$1.25M · 5 bed Duplex · 93 Gilmour Street, Ottawa, Ontario K2P 0N5

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About this home

Rare investment opportunity in the heart of Ottawa's prestigious Golden Triangle! This classic red-brick duplex offers the perfect blend of historic charm, modern updates, and urban convenience, making it a standout addition to any real estate portfolio. This property is ideal for multi-generational living, a high-yield rental investment, or an ideal live-rent setup.The property features a versatile layout with 5 spacious bedrooms, 3 full bathrooms, and independent laundry facilities. Inside, yo…

Property details

MLS#

X13038902

Status

Buy Now

Property class

Residential Freehold

Beds

Baths

3 full, 0 half

Rooms

Kitchens

Size

1500-2000Exact finished sqft not on MLS feed (often MPAC-only on broker systems)

Basement

Finished

Style

2-Storey

Type

Duplex

Year built

1916

PIN: 041170058
Roll / ARN: 061404200119902

Occupancy: Tenant Occupied
Washrooms: 4 pc · Ground; 3 pc · Basement; 4 pc · Second
Family room: No
Central vacuum: No
Ensuite laundry: No

Zoning: R4B (Residential Fourth Density)

Roof: Flat, Membrane
Foundation: Stone

Fireplaces: 0

Garage: None
Garage spaces: 0
Parking: 2 total
Lot: 21.03 × 109
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Pool: No
Waterfront: No
Exterior: Brick
Fronting on: North
Cross street: Gilmour Street/MacDonald Street
Stories: —
Utilities: —
Laundry: —
Laundry level: Upper Level
Interior: Carpet Free, Primary Bedroom - Main Floor, Separate Hydro Meter, Storage, Water Heater
Parking features: —

Price movement & seller pressure

↓ $100KPrice reduction

MLS shows the seller reduced the asking price by $100,000 (from $1,350,000 to $1,250,000).

Motivated SellerWhy this label

125 days on market — Listing has been active for 125 days — extended time on market can signal seller pressure.

Labels reflect MLS fields and listing history in our database — not an opinion on fair market value.

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $1,250,000✓ $8,068 tax✓ Gas✓ 1500-2000 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$9,182/mo

incl. closing costs (yr 1)

Annual total

$110,178

year 1

Mortgage only

$4,742/mo

principal + interest

Beyond mortgage

$2,192/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$250,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$672/mo

Utilities

Hydro / electricity$123/mo

≈ $0.07/ft² × ~1,750 ft² · ON avg ~$123/mo

Gas$125/mo

Typical ON gas-heated home · ~$125/mo

Water / sewer$60/mo

ON municipal avg ~$60/mo

Internet / TV / phone$70/mo

ON internet/TV avg ~$70/mo

Maintenance & upkeep

Maintenance reserve1.0%$12,500/yr

1% of value/yr — standard reserve

Landscaping & snow$0/mo

Landscaping & snow removal · $0 default

Home insurance$100/mo

$100/mo default · adjust for your home

Security system$0/mo

Optional monitoring · $0 default

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$21,475

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)52% $56,905/yr

Property taxes27% $29,543/yr

Utilities4% $4,530/yr

Insurance & security1% $1,600/yr

Maintenance11% $12,500/yr

Closing costs5% $5,100/yr

Mortgage is 52% of your true cost of ownership. The other 48% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$56,905	$4,742/mo
Government & taxes
Property tax	$8,068	$672/mo
Land transfer tax(closing)	$21,475	$1,790/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$1,470	$123/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$12,500	$1,042/mo
Closing costs (one-time)
Legal / lawyer(closing)	$2,500	$208/mo
Home inspection(closing)	$600	$50/mo
Moving costs(closing)	$2,000	$167/mo
Total	$110,178	$9,182/mo

Listing facts below · Ontario averages for utilities — drag sliders to match your home. CMHC added to loan principal only — not double-counted in chart.

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93 Gilmour Street

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Price movement & seller pressure

Sales History

Neighbourhood SOLDs

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Annual costs