For Sale MLS® X13839104

646 High Street

Central · North Bay · ON · P1B 6R8

On market 10 days

4 Beds
2 Baths
4 Parking
125 ft frontage Lot
Other Type

About this property

Finished basement

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

Type Duplex · Bungalow
Lot 125 ft frontage
Taxes $3,680/yr
Days on market 10
Neighbourhood Central
Property details
Property type Duplex
Style Bungalow
Rooms & baths
Bedrooms above / below 4
Building & utilities
Basement Finished
Parking
Total 4
Lot
Width / Depth 125 ft
Financial
Taxes $3,680/yr

Mortgage calculator

$2,056/moMonthly payment
$352,000Mortgage amount
$264,712Total interest
$704,712Total cost

Location

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Market Overview

North Bay

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MLS® X13839104 Brokerage Century 21 Blue Sky Region Realty Inc., Brokerage Listed Sep 29, 2026 Updated Oct 5, 2026

Listing data provided by the Toronto Regional Real Estate Board (TRREB).

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The listing data is provided under copyright by the Toronto Regional Real Estate Board (TRREB). The listing data is deemed reliable but is not guaranteed accurate by TRREB. 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.

Last updated: October 9, 2026.

$440,000 4 bd · 2 ba
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