DuplexListed yesterday

45 Bell St N, West Centre Town

Name: 45 Bell Street N
SKU: X14130934
Price: 679900 CAD
Availability: InStock

West Centre Town, ON · · MLS® X14130934Updated October 30, 2026

$679,900Est. $3,340/mo mortgage

Bedrooms: 4
Bathrooms: 2
Living space: 2000–2500sq ft
Parking spaces: 2

Type Duplex
Basement Unfinished

What you should know

45 Bell St N is a 4-bedroom, 2-bathroom duplex in West Centre Town, listed for $679,900. It has 2000-2500 sq ft of living space.

This well-maintained and recently renovated LEGAL duplex offers the perfect combination of strong cash flow, owner-occupancy flexibility, and long-term value in one of Ottawa's most desirable urban neighbourhoods.
Featuring two spacious 2-bedroom units, each with its own private entrance, separate hydro meter, and in-unit laundry, this turnkey property is ideal for investors and homeowners alike.
A rare bonus for Centretown, the property includes 3 parking spaces, a highly sought-after feature for both tenants and owners.

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4 Bed, 2 Bath Duplex in West Centre Town

About 45 Bell Street North

Exceptional investment opportunity in the heart of Centretown! This well-maintained and recently renovated LEGAL duplex offers the perfect combination of strong cash flow, owner-occupancy flexibility, and long-term value in one of Ottawa's most desirable urban neighbourhoods. Featuring two spacious 2-bedroom units, each with its own private entrance, separate hydro meter, and in-unit laundry, this turnkey property is ideal for investors and homeowners alike. Numerous updates include renovated kitchens and bathrooms, updated plumbing and electrical, fire escapes brought up to code, fresh paint throughout, updated flooring, fencing improvements, and countless other upgrades that contribute to the property's excellent condition and tenant appeal. A rare bonus for Centretown, the property includes 3 parking spaces, a highly sought-after feature for both tenants and owners. Investors will appreciate the potential for a return exceeding 7.0%, while owner-occupants can live in one unit and rent the other to significantly offset mortgage costs. Landlord pays heat and water, while tenants pay their own hydro through separate meters. Ideally located steps from Bank Street, Chinatown, Little Italy, public transit, parks, cafés, restaurants, shopping, entertainment, government offices, and some of Ottawa's most vibrant urban amenities. Residents enjoy easy access to Dow's Lake, the Rideau Canal, LeBreton Flats, Carleton University, the University of Ottawa, and downtown employment hubs. With strong rental demand, exceptional walkability, and major updates already completed, this is a rare opportunity to acquire a quality income property in one of Ottawa's most established and sought-after neighbourhoods.

4 bedrooms, 2 bathrooms, about 2,000 sq ft, works out to roughly $340 per square foot. Chat with Zara if you'd like a deeper read on whether this duplex fits your budget and timing.

Inside 45 Bell St N

Every detail from the listing, in one place.

Type: Duplex
Style: 2-Storey
Living space: 2000-2500 sq ftas stated on the listing
Parking: 2 spaces
Basement: Unfinished

Features & systems

Parking & garage

Parking spaces: 2

Interior

Basement: Unfinished

Lot & land

Lot size (sqft): 0

Listing & possession

Property style: 2-Storey
Property class: Duplex

45 Bell St N Price & Sale History

Earlier listings of this property, list-price changes, and the most recent annual property tax on the listing.

Oct 29, 2026For saleListedThis listingMLS® X14130934$679,900

Sourced from MLS®. Includes earlier listings of this property on record.

What's it worth?

How 45 Bell St N Compares to the West Centre Town Market

Zara compares it with recent sales of similar homes nearby. It's a guide, not an appraisal.

Zara’s estimate

Excellent Deal· based on 109 recent sales

Value your own home →How accurate are Zara’s estimates?

Summitly estimate, not from TRREB, the MLS® or the listing brokerage. Not an appraisal. How it works

West Centre Town market, last 90 days

Median sold price: $580,000
Average sold price: $629,517
Average days on market: 37
Homes sold: 53

Closed sales on the TRREB MLS®.

Recently sold nearby in West Centre Town

Sold prices are shown free to signed-in members, as board rules require.

6 nearby sales vs. this home

Closed sales from MLS®, compared with this home's asking price.

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Home	Sold price	$ / sqft	% of asking	Sold
This home45 Bell Street N 4 bd · 2 ba · 2,000 sqft	$679,900asking	$340	—	—
86 Merton Street 3 bd · 2 ba · 1,100 sqft
6 Hilda Street 3 bd · 2 ba · 1,500 sqft
38 MELROSE Avenue 5 bd · 4 ba · 1,500 sqft
116 Cambridge Street 5 bd · 4 ba · 2,000 sqft
133 Bayswater Avenue 4 bd · 3 ba · 2,500 sqft
68 Lyndale Avenue 3 bd · 2 ba · 1,500 sqft

86 Merton Street
3 bd · 2 ba · 1,100 sqft
6 Hilda Street
3 bd · 2 ba · 1,500 sqft
38 MELROSE Avenue
5 bd · 4 ba · 1,500 sqft
116 Cambridge Street
5 bd · 4 ba · 2,000 sqft
133 Bayswater Avenue
4 bd · 3 ba · 2,500 sqft
68 Lyndale Avenue
3 bd · 2 ba · 1,500 sqft

Living in West Centre Town: Location & Amenities

Transit, schools, parks and everyday places near this home. Select any place to open it on Google Maps.

How long is your commute?

From 45 Bell St N. Typical times without traffic delays; transit times aren't available yet.

Costs, Mortgage & Rental Return for 45 Bell St N

What it could cost each month, today's rates from our mortgage partner, and what it could return as a rental.

Mortgage: $3,340; 20% down · 25 years · 5.5% assumed
Property tax: $374; 0.66% mill rate · ON
Total per month: $3,714; Before utilities, insurance and fees

Figures are Summitly estimates for illustration only — not from TRREB or the MLS® feed, and not a mortgage approval, appraisal, or financial advice.

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Monthly cost

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Down payment

Rate (%)

Years

An estimate, not a quote. Utilities and insurance are extra.

Affordability calculator

Estimated monthly payment

$3,340

/mo

based on the purchase price of $679,900

Down payment20%

$135,980 cash

Amortization25 yr

$543,920 financed

Rate5.50%

$458,123 total interest

Principal54%$543,920

Interest46%$458,123

20% down · 25-yr amortization · 5.50% rate. Principal & interest only — taxes, condo fees, and insurance not included.

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Figures are Summitly estimates for illustration only — not from TRREB or the MLS® feed, and not a mortgage approval, appraisal, or financial advice.

Rental income potential

Est. monthly rent

low–high

Gross yield

rent × 12 ÷ price

Cap rate (est.)

net of tax + fees

Summitly AI estimate for discussion only — not from TRREB or the MLS® feed, and not an appraisal or investment advice. Yield and cap rate are derived from the estimated rent versus the asking price.

For homeowners nearby

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Listing brokerage: TRU REALTY, BrokerageMLS® X14130934 · Listing data last updated October 30, 2026

Listing data comes from the Toronto Regional Real Estate Board (TRREB) and is deemed reliable but not guaranteed. Shown on Summitly by Coldwell Banker Summit Realty, Brokerage, which is not the listing brokerage. The information provided herein must only be used by consumers that have a bona fide interest in the purchase, sale, or lease of real estate and may not be used for any commercial purpose or any other purpose. © 2026 Toronto Regional Real Estate Board. All rights reserved.

Mortgage financing is arranged through Mortgage Squad Advisors. Summitly is the technology platform that powers this site. Estimated values, AI insights, calculator results, and rental projections shown on this page are generated by Summitly and are not provided by, reviewed by, or sourced from TRREB, the MLS®, or the listing brokerage; they are not appraisals or opinions of value. The trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by the Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. The Coldwell Banker® name and logo are trademarks of Coldwell Banker Real Estate LLC.

For sale· listed Oct 28· $340/sq ft

Estimated monthly mortgage$3,340/moMortgage only · 20% down · 5.5% assumed

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5.0 · Google rating for Coldwell Banker Summit Realty, Brokerage · as of September 2026

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