20 Wilmot Street, North Bay

$524,900
20 Wilmot Street

$524,900

New
24d
DetachedBungalow-Raised

20 Wilmot Street, North Bay

Total Monthly Obligation $2,818

Beds
3
Baths
2
Park
3
Sqft
700-1100
DOM
24d
Score
43
Yield
8.2%
Cash on Cash
11.0%
Cap Rate
7.0%
5Y IRR
24.5%
10Y IRR
22.1%
Property Type-Detached
MLS® Number-X13840372
Beds-3
Bathrooms-2
Size-700-1100 sqft
Lot Size-236.41 × 68.53 ft
Listed on site-Sep 29, 2026
Style-Bungalow-Raised
Building Type-Detached
Age-51-99
Taxes-$3,910.38 (2026)
Parking-4 - Attached
Basement-Full, Finished
Heating-Baseboard (Electric)
Brokerage-Century 21 Blue Sky Region Realty Inc., Brokerage
Cooling-Window Unit(s)
Laundry-No
Fireplace-Electric, Wood
Pool-None
Facing-North
Exterior-Brick
Roof-Asphalt Shingle
Foundation-Concrete Block
Sewer-Septic
Possession-Immediate
Neighbourhood-Airport
Title-Residential Freehold

No agent assigned

Hi there! I'm 20 Wilmot Street - I'm a little bit country, a little bit city, and not quite what you'd expect to find within North Bay city limits. I'm tucked into the escarpment on over half an acre, surrounded by mature trees (the colours are spectacular this time of year!), with the sounds of the nearby creek and Trout Lake just steps away. It feels wonderfully connected to nature here, yet groceries, dining, shopping and everyday amenities are only a short drive from my front door. Come inside and I'll show you what I have to offer! I'm an all-brick raised bungalow with a bright, welcoming interior and plenty of space to settle in. My main living area pairs a large picture window with a warm wood feature wall and electric fireplace, while my kitchen offers plenty of cabinetry and workspace for everything from weekday breakfasts to Sunday dinners. I have 2 bedrooms upstairs, another bedroom plus a den downstairs, and 1 & a 1/2 bathrooms - giving you options as life changes - kids, guests, hobbies, a home office or simply some extra breathing room. Downstairs, you'll find even more comfortable living space and a wood fireplace ready for those classic Northern Ontario winter nights. Outside might just be where I shine brightest! My covered front deck, private deck out back, cozy campfire spot and untouched forest give you plenty of ways to enjoy the outdoors with room to entertain, garden, play or dream up something entirely your own. I sit in a quiet cul-de-sac with very little traffic, have plenty of parking, and my attached heated garage is something you'll be especially thankful for once winter arrives! I could be a wonderful fit for a family, a down-sizer who isn't ready to give up space, or anyone craving a little more nature without sacrificing the conveniences of city living. A little unexpected, a lot inviting - and ready for someone new to call me home. Come meet me. I have a feeling you'll want to stay awhile!

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$
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$
$
(utilities, internet...)
$
%
%

Closing Costs

Mortgage Amount
$419,920
Land Transfer Taxes$6,973
Legal Fees (Est.)
$
Total cash required for closing$113,453

Total Monthly Obligation

$2,818/mo
Mortgage $2,117
Monthly Loss $2,261
Principal$557
Interest$1,560
Property Tax$326
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
5.8%48
Cash-on-Cash
4.5%20
5-Year IRR
19.4%90
10-Year IRR
18.2%
Returns Index
53.6/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeC
43/ 100
Poor•Caution

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

Assumptions & Inputs
$/mo
%
$
yr
%
Cash Flow
Weight: 35%
Gross Rent
$43,200/yr
NOI
$30,470/yr
Net Cash Flow
$422/mo
Cash Margin
11.7%34
Cash Flow Index
34.2/ 100
Risk Profile
Weight: 20%
DSCR
1.2045
LTV Ratio
80.0%18
Vacancy Buffer
3.3 mo57
Risk Index
40.0/ 100

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

Comparables

Properties near 20 Wilmot Street

Time

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