The trademarks MLS®, Multiple Listing Service®, and the associated logos are owned by the Canadian Real Estate Association (CREA) and identify the quality of services provided by real estate professionals who are members of CREA. Listing data provided by the Toronto Regional Real Estate Board (TRREB). Data is deemed reliable but not guaranteed.
Welcome to 99 Durham Street! This legal non-conforming duplex offers a fantastic opportunity for buyers looking to make home ownership more affordable by living in one unit while generating rental income from the other. Centrally located and offering two self-contained units, this property provides flexibility for both owner-occupiers and investors.The main level features a comfortable two-bedroom layout with a bright living area, functional kitchen, in-suite laundry and its own dedicated driveway. Upstairs, the refreshed two-bedroom unit offers an updated kitchen and bathroom, generous living space and separate parking.Each unit operates independently with its own hydro meter and hot water tank, helping keep utilities simple and separate. With rental income already in place, a buyer could occupy one unit and use the income from the other to help offset monthly carrying costs and mortgage payments.Conveniently located close to downtown, the college, recreation centre, shopping and everyday amenities, 99 Durham Street is a versatile property with plenty of possibilities. Live in one unit and rent the other, or add a solid two-unit property to your investment portfolio.
Property Details
Listing
MLS® number
X13875370
Status
For Sale
Listed
Oct 8, 2026
Last updated
Oct 8, 2026
Possession
Flexible
Building
Type
Detached
Style
2-Storey
Approx. age
100+
Approx. size
1,100–1,500 ft²
Basement
Unfinished
Lot
Frontage
31.57 ft
Depth
100.67 ft
Lot area
≈ 3,178 ft² (calculated)
View
North
Community
Lindsay
Parking & utilities
Garage
None, 0 spaces
Driveway
Private Double, 4 spaces
Heating
Forced Air
Cooling
None
Water / sewer
Not provided by brokerage
Taxes
Property tax
$2,640 / 2025
Condo fee
N/A
Source
Data source
TRREB (VOW feed)
Listed by
Birdhouse Realty Inc.
Interior
Level
Room
Size
Features
Loading rooms…
Interior Features
Bedrooms above grade: 4
Kitchens: 2 above grade
Basement: Unfinished
Heating: Forced Air
Cooling: None
Exterior
Waterfront features: None
Pool features: None
Property features: Hospital, Library, Public Transit, Rec./Commun.Centre, School
Cross street: Durham Street West & Albert Street South
Demographic data is not available for this area yet.
Population—
Median household income—
Median age—
Age Groups
Age group data is not available.
Owners vs Renters
Ownership data is not available.
Household Type
Household data is not available.
What’s NearbyDistances approximate
No nearby school data is available for this listing.
Transit score information is not available for this listing.
Nearby everyday places are not available for this listing.
Always confirm school catchments with the local school board.
Estimated Rental Income
Rental estimate coming soon
We’re not showing a number until we have a data source we trust. When it’s connected, this section will show:
A monthly rent range from nearby leased homes of the same type and size
The leased comparables behind it (signed-in, VOW-gated)
Gross yield at the current list price
Monthly Cost
A quick estimate to plan with. Taxes come from the listing; change the other inputs to match your situation.
Estimated monthly$1,941/mo
Mortgage (principal + interest)$1,721
Property taxFrom listing: $2,640/yr$220
Minimum $23,000 down for this price; the slider moves in whole percent, starting at 5%. Under 20% adds mortgage default insurance. Confirm with a lender.
Mortgage uses Canadian semi-annual compounding. Houses-Gate doesn’t offer financing.
Estimated Budget
About how much cash you’ll need on closing day, besides the mortgage.
Down payment20% of the list price$92,000
Ontario land transfer taxProvincial brackets, no first-time refund$5,675
Legal fees & disbursementsTypical range $1,800–$2,800$1,800
Home inspectionTypical range $500–$800$600
Title insuranceTypical range $300–$600$400
Cash needed at closingEstimate$100,475
First-time buyers can get up to $4,000 back on Ontario land transfer tax. Kawartha Lakes has no municipal land transfer tax (Toronto does).
Uses Ontario’s land transfer tax brackets and the down payment set in Monthly Cost. Legal, inspection and title-insurance figures are typical ranges, not quotes.
Listing data is provided under copyright by the Toronto Regional Real Estate Board (TRREB). The data is deemed reliable but is not guaranteed to be accurate. The trademarks MLS®, Multiple Listing Service®, and the associated logos are owned by the Canadian Real Estate Association (CREA) and identify the quality of services provided by real estate professionals who are members of CREA.
The information provided herein must only be used by consumers that have a bona fide interest in the purchase, sale, or lease of real estate and may not be used for any commercial purpose or any other purpose.
All information deemed reliable but not guaranteed. All properties are subject to prior sale, change, or withdrawal. Neither listing broker(s) nor HousesGate shall be responsible for any typographical errors, misinformation, misprints, and shall be held totally harmless.
