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310-3100 Steeles Ave W, Vaughan, ON, L4K 3R1
1-333-345-6868info@summitly.ca

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Listing data is provided by the Toronto Regional Real Estate Board (TRREB) via PropTx and is deemed reliable but not guaranteed. Coldwell Banker Summit Realty, Brokerage — an independently owned and operated Coldwell Banker franchise.

REALTOR® Disclosure▾

For listings in Canada, 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 trademarks MLS®, Multiple Listing Service® and the associated logos are owned by CREA and identify the quality of services provided by real estate professionals who are members of CREA. Used under license.

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    For sale On market 15 days

    649 Charlotte Street

    Town Ward 3·Peterborough, ON·K9J 2X2·Near CLONSILLA AVE AND CHARLOTTE ST

    • 5 beds
    Peterborough real estate›X12495148
    • Overview
    • History
    • Details
    • Location
    • Mortgage
    • Investment
    • Comparables
    • FAQ
    Open house & tour

    3 upcoming open houses

    Drop in during an open house, or tour online — no appointment needed.

    • Open house
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      Time TBD
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    • Open house
      Date TBD
      Time TBD
    Overview

    What this listing tells us

    Property description

    Introducing 649 Charlotte St, Peterborough - an exceptional fully tenanted triplex ideally located close to downtown, the hospital, and all of Peterborough's key amenities. This property combines modern updates, solid income, and investment versatility. The main 3-bedroom unit (approx. 1,200 sq. ft.) has been renovated top-to-bottom and is currently rented for $2,100/month plus hydro. It features its own forced-air gas furnace and separate hydro meter, ensuring efficient operation. The two bachelor apartments are fully leased at $863/month and $850/month (both inclusive), sharing a secondary gas furnace and also separately metered for hydro. With an annual gross income of $45,756 and estimated annual expenses of $14,223 (including taxes, utilities, and insurance), the property generates a strong net operating income of approximately $31,500. Parking is available at both the front and rear, providing convenience for tenants. This well-maintained, income-producing triplex offers an excellent opportunity to acquire a turnkey investment in a prime Peterborough location.

    Cleaned for readability — original MLS® text was lightly de-abbreviated and decapitalized.

    AI highlights by Zara
    History

    Listing, price, and tax history

    Every previous listing of this property, every list-price change, and 5 years of estimated annual property tax — switch tabs to drill in.

    DateEventStatusPriceChangeMLS®View
    Oct 30, 2025ListedCurrentFor sale$519,900 —X12495148This page
    Aug 29, 2024Previously listedTer$539,900 —X9283416View
    Jul 26, 2024Previously listedTer$549,900 —X9109559View
    Jun 6, 2024Previously listedTer$599,000 —X8410908View
    Mar 13, 2024Previously listedTer$639,900 —X8138360View
    Sourced from MLS® · includes all previous listings of this property · tap View to open the archived listing in a new tab
    Property details

    Inside this property

    Systems, finishes, room dimensions, and building information — pulled from the full MLS® feed.

    Features & systems

    Heating, cooling, parking, exterior, lot, possession, and more.

    • Systems

      4
      Heating
      Forced Air
      Air conditioning
      None
      Water source
      Municipal
      Sewer
    Location & lifestyle

    Getting around, schools & the block

    Walkability and transit, the nearest schools, an interactive map of the exact spot, and what's nearby.

    📍 649 Charlotte Street
    Financials

    The money — monthly cost, mortgage & return

    Everything financial in one place: what you'd pay each month, a live mortgage calculator at the asking price, and what it could return as a rental.

    Cost of ownership

    A monthly snapshot at typical assumptions — personalize the mortgage just below.

    Est. monthly mortgage
    $2,554
    20% down · 25y · 5.50% — adjust below ↓
    Est. monthly property tax
    $457
    1.05% mill rate · ON
    The market

    How this home sits in the Peterborough market

    Live neighbourhood stats, the closed sales you'd negotiate against, and comparable active listings.

    The Peterborough market right now

    Average sold price, days on market, and closed-transaction count for Peterborough — sourced from MLS®.

    • Avg sold price
      —
      Last 30 days
    • Median sold price
      —
      Middle of the market
    • Days on market
      —
      Avg from list to close
    • Closed last 30d
      —
      MLS® transactions
    Full Peterborough market report
    Buy with Coldwell Banker Summit Realty

    We'll get you into 649 Charlotte Street — the seller pays our commission

    On every MLS® listing in Canada, the seller's brokerage pays a cooperating commission to whoever brings the buyer. Buyer representation is free to you.

    Free buyer representation · Coldwell Banker® affiliate

    $0 to you. The seller pays our fee.

    On every MLS® listing in Canada, the seller's brokerage advertises a cooperating commission for the buyer's agent. A Coldwell Banker Summit Realty agent represents you — you owe us nothing.

    Call now
    Due diligence

    Property flags & disclosures

    An automated scan of public records and news for anything a buyer should know about this specific address — liens, outstanding work orders, or stigma-related history. We never invent flags.

    Nothing concerning surfaced — all clear.

    We scanned public records and news for liens, outstanding work orders, and stigma-related history (e.g. a former grow-op or fire) at 649 Charlotte Street and found nothing flagged. We re-check automatically as new records publish.

    Frequently asked

    Common questions about this property

    Tap a question to expand the answer. Short, direct answers tuned for AI search and voice assistants.

    • How much is 649 Charlotte Street listed for?

      649 Charlotte Street is listed at $519,900 on the MLS® (listing X12495148). The price refreshes on Summitly within minutes of any MLS® change.

    • How many bedrooms, bathrooms, and square feet does 649 Charlotte Street have?

    Coldwell Banker Summit Realty is a RECO-licensed Ontario real estate brokerage, independently owned and operated. Mortgage financing is arranged through Mortgage Squad Advisors. Summitly is the technology platform that powers this site. Listing data is sourced from MLS® and is provided for informational purposes only — not guaranteed accurate by the MLS® or its members. 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.

  1. 3 baths
  2. < 700 sqft
  3. Triplex
  4. < .50 ac lot
  5. Asking
    $519,900
    $743 / sqft · MLS® X12495148
    Chat Zara
  6. Zara AI Estimate
    Live valuation

    Not enough neighbourhood comparable data yet to estimate this listing. Chat with Zara for a private valuation.

    Ask Zara
    Market analytics

    Live market data for Peterborough.

    Avg sold price
    —
    Median sold
    —
    Avg days on market
    —
    Recently sold
    —
    See comparable sales
    Introducing 649 Charlotte St, Peterborough - an exceptional fully tenanted triplex ideally located close to downtown, the hospital, and all of Peterborough's key amenities.
  7. This property combines modern updates, solid income, and investment versatility.
  8. The main 3-bedroom unit (approx. 1,200 sq. ft.) has been renovated top-to-bottom and is currently rented for $2,100/month plus hydro.
  9. Parking is available at both the front and rear, providing convenience for tenants.
  10. Ask Zara a follow-up
    Sewer
  11. Parking & garage

    3
    Garage
    None
    Parking spaces
    6
    Driveway
    Private
  12. Interior

    4
    Basement
    Full
    Family room
    Y
    Kitchens
    3
    Total rooms
    11
  13. Exterior & construction

    4
    Exterior
    Brick
    Roof
    Shingles
    Foundation
    Block
    Pool
    None
  14. Lot & land

    1
    Zoning
    R2
  15. Listing & possession

    3
    Occupancy
    TBD
    Property style
    2-Storey
    Property class
    Triplex
  16. Room-by-room · 5 rooms

    Every room with its dimensions, level, and notable features.

    Room dimensions

    Main level

    2 rooms
    • Living Room
      9.0 × 23.0 ft
    • Kitchen
      Combined w/Dining
      14.0 × 23.0 ft

    Second level

    3 rooms
    • Primary Bedroom
      Walk-In Closet(s)
      9.0 × 11.0 ft
    • Bedroom 2
      12.0 × 9.0 ft
    • Bedroom 3
      9.0 × 8.0 ft
    Combined estimate
    $3,011
    Mortgage + tax · before condo / insurance

    Mortgage & affordability

    Today's best Canadian rates from Mortgage Squad, then a live calculator — adjust down payment, amortization, and rate, and email yourself the report.

    Today's rates · Powered by Mortgage Squad
    350+ lender access · Best rate matched in 2 min
    Lock my rate
    • Best
      5-yr Fixed · Insured
      4.09%
      0.40% below banks
    • 5-yr Fixed · Conventional
      4.34%
      APR · OAC
    • 3-yr Fixed · Conventional
      4.49%
      APR · OAC
    • 5-yr Variable · Variable
      4.85%
      APR · OAC
    Rates indicative · Updated today · OAC, subject to underwritingSee all Mortgage Squad rates →
    Affordability calculator
    Estimated monthly payment
    $2,554
    /mo
    based on the purchase price of $519,900
    $103,980 cash
    $415,920 financed
    $350,314 total interest
    Monthly payment$2,554/ month
    Principal54%$415,920
    Interest46%$350,314

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

    Email this mortgage report to yourself

    Save the full affordability breakdown — down payment, monthly, interest paid, and today's Mortgage Squad rate — in your inbox. Create a free Summitly account to save it, get rate-drop alerts, and build a shortlist.

    Create account & email meor send as guest
    Get pre-approved in minutes

    Know exactly what you can afford — a no-obligation pre-approval from Mortgage Squad.

    Get pre-approved

    Rental income & return

    What this home could rent for and the return at the asking price — an AI estimate against real property tax and condo fees.

    Est. monthly rent
    low–high
    Gross yield
    rent × 12 ÷ price
    Cap rate (est.)
    net of tax + fees

    AI estimate for discussion only — not an appraisal or investment advice. Yield and cap rate are derived from the estimated rent versus the asking price and real property tax.

    Comparable triplexs that just sold in Peterborough

    Swipe the closed sales, then use the table for a side-by-side $/sqft comparison against this home.

    • 730 Chemong Road
      Sold
      Sign in for price
      730 Chemong Road
      Triplex
    • 722 Chemong Road
      Sold
      Sign in for price
      722 Chemong Road
      Triplex
    • 554 Crystal Drive
      Sold
      Sign in for price
      554 Crystal Drive
      Triplex
    • 833 Crawford Drive
      Sold
      Sign in for price
      833 Crawford Drive
      Triplex
    • 530 Crystal Drive
      Sold
      Sign in for price
      530 Crystal Drive
      Triplex
    AddressBd / BaSqftSold$/sqft% of askSold
    649 Charlotte StreetThis home5 / 3700$519,900ask$743——
    730 Chemong Road4 / 31,500—
    722 Chemong Road4 / 31,500—
    Sold prices are hidden under TRREB rules. Sign in to reveal them.

    More triplexs in Peterborough

    Active listings within ±20% of this asking price.

    • 1306 Monaghan Road
      $619,000
      1306 Monaghan Road
      Triplex 5 4
    AI-first listing data

    Zara's valuation, full price history, room insights, and live MLS® refresh — all in one feed. No more comparing 4 sites.

  17. One team, no handoffs

    Your realtor, mortgage broker, and offer-night closing team work side-by-side. One conversation, not three.

  18. Showings on YOUR schedule

    Same-day showings for shortlisted homes, evenings + weekends. Your Coldwell Banker Summit Realty agent coordinates with the listing brokerage.

  19. Mortgage that closes

    Pre-approval, rate hold, and 350+ lender access via Mortgage Squad Advisors — no juggling lender chats yourself.

  20. Public listing courtesy of AFFINITY GROUP PINNACLE REALTY LTD. · displayed on Summitly per MLS® data-share rules

    649 Charlotte Street is a 5-bedroom, 3-bath, < 700 sqft. Full room dimensions and floor breakdown are in the 'Rooms' section of this page.

  21. When was 649 Charlotte Street built?

    The year built for 649 Charlotte Street isn't published in this MLS® feed — ask a Summitly realtor for the construction year from the seller's disclosure.

  22. What is the property tax for 649 Charlotte Street?

    The 'Property tax' tab in the History section shows the most recent annual tax for 649 Charlotte Street plus a 5-year breakdown with YoY % change. Monthly equivalent is shown alongside.

  23. How much would the monthly mortgage be on 649 Charlotte Street?

    The affordability calculator on this page shows an estimated monthly mortgage for $519,900 at 20% down, 25-year amortization, and 5.5% rate. Adjust the sliders to model your own down payment and rate.

  24. Has 649 Charlotte Street been sold before?

    The 'Listing history' tab above lists every previous MLS® listing of 649 Charlotte Street with its list date, sold price (when sold), and final status. Each row is colour-coded with price-change arrows.

  25. What neighbourhood is 649 Charlotte Street in?

    649 Charlotte Street is in Town Ward 3, Peterborough. The 'Neighbourhood' section below links to the live Peterborough real estate hub with average sold price, days on market, and current inventory.

  26. Is Peterborough a good place to live?

    Peterborough is one of ON's actively-tracked Summitly markets. The full Peterborough real estate hub covers live average sold price, days on market, and neighbourhood-level inventory.

  27. 554 Crystal Drive
    4 / 3
    2,000
    —
    833 Crawford Drive6 / 32,000—
    530 Crystal Drive4 / 3——