399 Church Street N, Cambridge

$649,900
399 Church Street N

$649,900

Price Change
27d
DetachedBungalow

399 Church Street N, Cambridge

Total Monthly Obligation $3,289

Beds
3
Baths
2
Park
3
Sqft
700-1100
DOM
27d
Score
20
Yield
5.0%
Cash on Cash
-2.4%
Cap Rate
4.1%
5Y IRR
13.7%
10Y IRR
13.1%
Property Type-Detached
MLS® Number-X13832284
Beds-3
Bathrooms-2
Size-700-1100 sqft
Lot Size-62.11 × 74.93 ft
Listed on site-Sep 26, 2026
Style-Bungalow
Building Type-Detached
Age-51-99
Taxes-$3,510 (2025)
Parking-4 - Attached
Basement-Full, Finished
Heating-Forced Air (Gas)
Brokerage-KING REALTY INC.
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Facing-North
Exterior-Brick
Roof-Asphalt Shingle
Foundation-Poured Concrete
Sewer-Sewer
Possession-Immediate
Title-Residential Freehold

No agent assigned

Welcome to 399 Church St N, a fully renovated bungalow where fresh modern finishes meet the comfort and simplicity of one-level living. Set on a generous lot with impressive frontage, this home has been thoughtfully updated inside and offers a bright, welcoming layout that feels easy from the moment you walk through the door. The main floor features two comfortable bedrooms, a full bathroom, an inviting living room, and a beautifully updated kitchen that creates a natural gathering place for everyday meals, morning coffee, and time with family and friends. Downstairs, the finished lower level adds even more room to enjoy, with a spacious recreation area, third bedroom, and second full bathroom, giving you the flexibility for guests, a home office, playroom, or additional family space. An attached single-car garage provides the everyday convenience of covered parking along with additional storage. Outside, the wide frontage and spacious lot give the property a great presence from the street while offering plenty of outdoor space to make your own. Whether you're starting out, downsizing, or simply looking for a move-in-ready home with a practical layout and room to enjoy, 399 Church St N brings together the charm of bungalow living with the benefit of a completely refreshed interior.

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(utilities, internet...)
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Closing Costs

Mortgage Amount
$519,920
Land Transfer Taxes$9,473
Legal Fees (Est.)
$
Total cash required for closing$140,953

Total Monthly Obligation

$3,289/mo
Mortgage $2,622
Monthly Loss $2,599
Principal$690
Interest$1,932
Property Tax$293
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.3%20
Cash-on-Cash
-7.4%1
5-Year IRR
9.8%34
10-Year IRR
10.4%
Returns Index
18.2/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
20/ 100
Avoid•Pass

Strategy: Buy & Hold — Weights: CFI 35% · RI 25%
RKI 20% · GI 20%

Assumptions & Inputs
$/mo
%
$
yr
%
Cash Flow
Weight: 35%
Gross Rent
$32,400/yr
NOI
$21,150/yr
Net Cash Flow
-$859/mo
Cash Margin
-31.8%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.679
LTV Ratio
80.0%18
Vacancy Buffer
2.9 mo48
Risk Index
25.2/ 100

*This analysis is independently generated NOT provided by TREB or CREA.

Comparables

Properties near 399 Church Street N

Time

Comparables are calculated within a 3km radius based on properties sold or leased within the past 6 months. This helps you understand the current market value and potential rental yield with high precision.

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Data last updated within the past 24 hours.