
646 High Street
North Bay (Central), ON P1B 6R8
- 4Bedrooms
- 2Bathrooms
- 4Parking
- 1500–2000Sq Ft
- $3,680Tax
- 125×46 ftLot Size
- Free EstimateSee Free Estimate Report

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Free Home EvaluationHow Much Is My Home Worth?Homes for Sale NearbySale & Price History for 646 High Street, North Bay, Central
| Start Date | End Date | Price | Event | MLS# |
|---|---|---|---|---|
| 2026-09-29 | 2026-10-13 | Login to See Prices | Sold | x13839104 |
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About 646 High Street, North Bay, Central
Summarized Description
- Flexible layout allows for multiple rental units.
- Renovated features enhance overall appeal.
- Open concept design maximizes living space.
- Potential to combine units for larger living.
- Cozy den provides additional living area.
- Fenced backyard offers privacy and outdoor space.
- Convenient parking available for residents.
LIVE IN ONE SIDE & LET THE OTHER HELP PAY THE MORTGAGE! Here's an incredible opportunity for investors, first-time buyers, or anyone looking to build equity while owning income-producing real estate! This well maintained side-by-side duplex is ideally located in a central and convenient neighbourhood, close to schools, shopping, public transit, the waterfront, and so much more. UNIT 1 - VACANT & READY FOR YOU! The larger unit is currently vacant, giving you the opportunity to move right in or select your own tenant. The main floor features a sunken kitchen with a comfortable layout and a spacious living room. Upstairs, you'll find 3 bedrooms and a 4-piece bathroom, providing plenty of room for a family. The lower level adds even more living space with a generous recreation room and laundry room. This unit also comes complete with all appliances, making it a convenient option for immediate occupancy. With a side yard, newer concrete driveway, parking for 2, maybe 3. UNIT 2 - COZY & CURRENTLY RENTED The second unit is a charming 1-bedroom apartment, currently rented and providing immediate rental income. Featuring a nice size kitchen living room area, cozy gas fireplace. Outside unit 2, there is parking for 2, a nice-sized yard, and a storage shed for added convenience. For added flexibility, the partitioning wall between the two units can be removed for a simple conversion into a single dwelling unit. Whether you're looking to invest, add a solid income property to your portfolio, or are looking for a starter home with room to grow into, this duplex offers tremendous flexibility. Live in the larger unit while the income from the one-bedroom apartment helps offset your mortgage-or rent both units and build your investment portfolio. With its excellent central location, two separate living spaces, existing rental income, and vacant larger unit, this property offers the kind of versatility buyers are looking for.
Key Facts & Features
Property Costs
- Annual Property Tax Amount
- $3,680
- Land Transfer Tax Fee
- $5,275
Rental Items
- Rental Equipment
- hot water tank, boiler system , seller to buy out upon closing
- Under Contract
- Hot Water Tank-Gas
- Basement Type
- Finished
Interior Features
- Interior Extras
- Accessory Apartment, In-Law Capability, On Demand Water Heater
- Fireplace/Stove
- Yes
- Fireplace Features
- Natural Gas
- Elevator
- No
Exterior Features
- Pool
- None
Building
- Building Type
- Multiplex
- Building Style
- Bungalow
Construction
- Exterior Finish
- Brick, Vinyl Siding
- Roof
- Shingles
- Foundation Details
- Slab
- Special Designation
- Unknown
Lot
- Lot Front
- 125.00 ft
- Lot Depth
- 46.00 ft
Inclusions
- Inclusions
- 2 fridges, 1 stove, built in dishwasher, washer, dryer, range hood, 2 sheds, window coverings in the main unit, 2 sheds
Parking & Garages
- Garage Type
- None
- Garage Spaces
- 0
- Parking Spaces
- 4
- Total Garage And Parking Spaces
- 4
Heating & Cooling
- Heat Source
- Gas
- Heat Type
- Water
- Air Conditioning
- Other
- Water
- Municipal
- Sewers
- Sewer
- Bedrooms
- 4
- Washrooms
- 2
- Kitchens
- 2
Room sizes
- Other—Main level
- Kitchen—Main level
- Bedroom—Second level, Walk-In Closet(s)
- Other—Lower level
- Recreation—Lower level
- Bedroom—Second level
- Living Room—Main level, Gas Fireplace
- Kitchen—Main level, Sunken Room
- Bathroom—Main level, 4 Pc Bath
- Bedroom 3—Third level
- Bedroom—Main level
- Laundry—Lower level
- Bathroom—Second level, 4 Pc Bath
Washrooms
- 4-piece, Second
- 4-piece, Main
- Municipality
- North Bay
- Neighbourhood
- Central
- Main cross streets
- High/Galt
- Zoning
- R2
- Directions
- Algonquin to high
- MLS® number
- X13839104
- Data source
- Toronto Regional Real Estate Board
- Status change
- 2026-10-13
- Listed on
- 2026-09-29
- Days on market
- 14 days
- Possession date
- 2026-10-02
- Possession type
- Immediate
- Co-op commission
- 2%
- Seller
- Listed by
- Century 21 Blue Sky Region Realty Inc., Brokerage
Home Market Value
Current home valuation for 646 High Street, North Bay, Central, North Bay, ON. Listed for $440,000
HOMEH Estimate
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Estimated Sales Range
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HOMEH Estimate for 646 High Street, North Bay, Central
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Mortgage Payment Calculator
Compare up to 4 down payment scenarios
5% of purchase price for homes $500K or less
$22,000
| Scenario 1 | Scenario 2 | Scenario 3 | Scenario 4 | |
|---|---|---|---|---|
−Down payment | % $ | % $ | % $ | % $ |
+CMHC insurance | $16,720 | $12,276 | $10,472 | $0 |
=Total mortgage | $434,720 | $408,276 | $384,472 | $352,000 |
Amortization | ||||
Mortgage rate | % | % | % | % |
| Payment frequency | ||||
=Mortgage payment | $2,123monthly | $1,993monthly | $1,877monthly | $1,719monthly |
Land Transfer Tax
$5,275
$5,275
Around this home
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