Homula Realty Brokerage
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265 Stewart Street, Peterborough, ON K9J 3M8

5 beds · 2 baths · 1 kitchen · 10 rooms · 4 parking spaces · 1500-2000 sq ft · Duplex
$499,000
Property tax
$4,069 / year

This Victorian-era duplex in the heart of downtown Peterborough, currently operating as an investment property with separate units generating a total of $3,200 per month. The 2-storey property offers the flexibility to continue as a rental income opportunity or unlock its full potential through a complete renovation. The main floor features hardwood flooring, newer windows for abundant natural light, a spacious living room large enough to accommodate a dining area, and an eat-in kitchen with laminate flooring, a breakfast area, side-door entrance, laundry area with newer machines, two fridges, two microwaves, and convenient access to a recently renovated 3-piece bathroom with tile flooring, vanity, and separate shower. The second floor offers broadloom throughout, generous bedrooms, a 4-piece bathroom with tile flooring, vanity, and frosted privacy window, plus a unique bedroom with vinyl flooring, sink, pantry, and potential second kitchen space with room to add appliances. The partially finished basement includes above-grade windows, a cold room, and recreation area, offering excellent development potential for additional living space, or future customization. Recent utility updates include central air conditioning, hot water tank, and furnace motor, with LED lighting for improved energy efficiency. Outside, enjoy a private laneway with parking for 4 vehicles and a large fully fenced backyard with planters and garden shed, offering space to create a peaceful outdoor escape. Perfectly situated near the Otonabee River, Little Lake, James Stevenson Park, Nicholls Oval Park, Liftlock Golf Club, Kawartha Golf Club, nearby schools including St. Peter Catholic Secondary School, Queen Mary Public School & more. Plus historical landmarks, museums, art galleries, shopping, restaurants, community centres, Galaxy Cinemas, public transit, Peterborough Regional Hospital, and convenient access to the Trans-Canada Highway for travel throughout Northern Ontario and into Quebec.

MLS number
X13531100
Type
Duplex
Status
Active
Bedrooms
5
Bathrooms
2
Postal code
K9J 3M8
Photos
42
67days · this listing
Total days on market across every earlier listing of this propertyRegistration and sign-in required

This listing’s own days on market are shown above. How long the property has been for sale across every earlier listing is drawn from records the board releases only to registered users — a free account opens it, along with the sale history below.

Listing history

No previous listings found for this address.

Where this property is

Where this address sits, matched against open government data.

Matched to a published address point for this address.

Schools

The school boundaries this address is inside, and the schools nearest it. Boards redraw boundaries and cap programs — confirm with the board before this affects a decision.

Other schools nearby

By distance from this address, not school boundary — a school 400 m away can be in another school’s attendance area.

SchoolLevelDistanceRating
Peterborough Collegiate and Vocational School
Kawartha Pine Ridge DSB
Secondary928 mNot reported
Prince of Wales Public School
Kawartha Pine Ridge DSB
Elementary883 m5.4 / 10
54% met the standard
ÉÉC Monseigneur-Jamot
CS catholique MonAvenir
Elementary1.1 km7.1 / 10
71% met the standard
Queen Mary Public School
Kawartha Pine Ridge DSB
Elementary1.1 km5.5 / 10
55% met the standard
Immaculate Conception Catholic Elementary School
Peterborough Victoria Northum Clarington CDSB
Elementary1.3 km6.9 / 10
69% met the standard
St. John Catholic Elementary School
Peterborough Victoria Northum Clarington CDSB
Elementary1.9 km6.3 / 10
63% met the standard
How the rating is calculated

EQAO — Ontario’s testing agency — publishes, for each school, the percentage of students meeting the provincial standard in Grade 3 and Grade 6 reading, writing and mathematics. The rating is the average of those percentages divided by ten. A school where 72% of students met the standard rates 7.2 out of 10.

Nothing is weighted or adjusted, and schools are not ranked against each other. Where EQAO withholds a result to protect the privacy of a small group of students, that measure is left out rather than counted as zero — so a rating built on fewer than six measures says so.

What it does not measure. It is one year of standardised testing in three subjects. It says nothing about teaching, programs, or whether a school suits a particular child, and it tracks neighbourhood household income closely enough that it partly measures the neighbourhood rather than the school. Treat it as one figure among many.

Source: Ontario Ministry of Education, School Information and Student Demographics (2024–25), Open Government Licence – Ontario.

H-Value

our estimate of this home is for registered usersWhat comparable homes nearby actually sold for, worked into an estimate for this one — with the range it sits in and how far the method has been off in testing.Create a free accountAlready have one? Sign in.

This neighbourhood

Statistics Canada 2021 Census, for the surrounding few blocks — about 619 people.

$38,800Median household income
9.3%Own their home
13%Detached houses
34Median age
8.2%Born outside Canada
16.7%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35150070 — the few blocks around this address, home to 619 people. It describes the area, not this property.

619Population
42.7Average age
1.9Household size
$46,000Average household income
$38,800Median household income
9%Own their home
91%Rent
0%Condominiums
8%Born outside Canada
17%University degree
$400,000Average home value
36%Low income
82%Not in the labour force
51%Never married
Under $5,0002%
$10,000 to $14,9997%
$15,000 to $19,99914%
$20,000 to $24,9998%
$25,000 to $29,9997%
$30,000 to $34,9993%
$35,000 to $39,9998%
$40,000 to $44,9997%
$45,000 to $49,9997%
$50,000 to $59,9995%
$60,000 to $69,9998%
$70,000 to $79,9997%
$80,000 to $89,9992%
$90,000 to $99,9992%
$100,000 and over7%
$100,000 to $124,9993%
$125,000 to $149,9992%
$150,000 to $199,9992%

Percentages are of the 295 responses in this category. Statistics Canada rounds counts and withholds small ones to keep individuals unidentifiable, so categories with too few people to publish are absent rather than shown as zero.

Source: Statistics Canada, 2021 Census of Population. Contains information licensed under the Open Government Licence – Canada.

Work out the numbers

Everything below is calculated in your browser from figures you can change. Nothing is sent anywhere.

$99,800 · minimum here is $24,950
$2,209.46per month
Borrowed before insurance$399,200
Total borrowed$399,200
Interest over 25 years at 4.5%$263,639

If you rented it out

-$2,548.55per month out of pocket
Rent$0.00
Everything it costs to hold$2,548.55
How this is calculated, and what it leaves out

Canadian fixed-rate mortgages compound semi-annually, not monthly, so the monthly rate here is (1 + rate/2)1/6 − 1. Most calculators use rate ÷ 12, which is the American convention and overstates the payment by tens of dollars a month.

Below 20% down, default insurance is mandatory and is added to the loan rather than paid at closing: 2.80% at 85% loan-to-value, 3.10% at 90%, 4.00% at 95%. It is unavailable at or above $1.5M, which is why 20% is a hard floor there.

Not included: vacancy, property management, capital repairs, income tax, and the fact that a lender qualifies you at a stress-test rate rather than the one you are quoted. This is arithmetic on the numbers above, not a mortgage approval or an opinion of what you can afford.

Listed by SUTTON GROUP-ADMIRAL REALTY INC.. Listing data provided by the Toronto Regional Real Estate Board.