686 Montreal Street is a legal 6-unit apartment building (6-plex) approx: 3,200-4,600 sq ft range (sources vary) 8 bedrooms total. 4 x 1 bedroom apartments and 2 x 2-bedroom apartments. Features: separate hydro meters per unit (tenant-paid utilities) shared laundry (basement). additional garage/workshop structure on site. Roof approx 10 yrs old. Electrical up grade 2 yrs ago. Common forced air furnace. Each tenant pays for their own hot water tank rental. From an investor standpoint: this is a classic Kingston cash-flow asset-older stock, separately metered, low operating complexity. planning / zoning insight (important for your project) from your pre-consult file (d00-139-1015) and city feedback: zoning: mui - mixed use 1 official plan: mixed use. What that means in practice: supports: multi-unit residential. conversions / intensification additional dwelling units (subject to site constraints)
9 bedrooms, 6 bathrooms, about 3,000 sq ft, works out to roughly $333 per square foot. Chat with Zara if you'd like a deeper read on whether this multiplex fits your budget and timing.Ask Zara a follow-up
Inside 686 Montreal St
Every detail from the listing, in one place.
Type
Multiplex
Style
2-Storey
Living space
3000-3500 sq ftas stated on the listing
Parking
8 spacesYes garage
Basement
Unfinished
Features & systems
Parking & garage
Garage
Yes
Parking spaces
8
Interior
Basement
Unfinished
Lot & land
Lot size (sqft)
0
Listing & possession
Property style
2-Storey
Property class
Multiplex
686 Montreal St Price & Sale History
Earlier listings of this property, list-price changes, and the most recent annual property tax on the listing.
For saleListedThis listingMLS® X13104206$999,900
Sourced from MLS®. Includes earlier listings of this property on record.
What's it worth?
How 686 Montreal St Compares to the Kingston Market
Zara compares it with recent sales of similar homes nearby. It's a guide, not an appraisal.
Independent mortgage broker · OAC · rates subject to change and underwritingMortgage Squad →
Referral disclosure: Summitly may refer you to Mortgage Squad Advisors, an affiliated mortgage partner. You are free to choose any lender or mortgage professional.
Monthly cost
Enter a rate to see the monthly cost
An estimate, not a quote. Utilities and insurance are extra.
Affordability calculator
Estimated monthly payment
$4,912
/mo
based on the purchase price of $999,900
$199,980 cash
$799,920 financed
$673,743 total interest
Principal54%$799,920
Interest46%$673,743
20% down · 25-yr amortization · 5.50% rate. Principal & interest only — taxes, condo fees, and insurance not included.
Want rate-drop alerts and a saved shortlist?
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
Own a home on Montreal Street? See what yours is worth
Get an instant estimate for your own home, based on recent sales around you. A free account shows the number and emails you the full report.
Free · No obligation · Backed by Coldwell Banker
Book a tour of 686 Montreal St with a licensed buyer's agent
Your agent is usually paid from the seller's side. We'll confirm the co-operating commission on this listing before you sign anything.
Zara, any time
Zara · AI virtual agent
Ask about 686 Montreal St day or night. Zara reads this listing and answers in plain words. When you want a person, she hands you to a licensed agent.
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.
Similar homes for sale nearby in Kingston
Other 8–10 bed homes for sale in Kingston around $1000K.
Average days on market33Homes sold in about 33 days on average.
Sale-to-list ratio97.3%On average, homes sold below asking.
Active listings707Homes for sale here right now.
Median vs prior 90 days−2.2%Compared with Apr 13 – Jul 12, 2026: prices down.
Based on 680 sales from Jul 12 – Oct 10, 2026 (466 in the prior 90 days). Aggregate MLS® figures for closed sales; individual sold prices are shown only to signed-in members.
Questions About 686 Montreal St
How much is 686 Montreal St listed for?
686 Montreal St is listed at $999,900 (MLS® X13104206). Summitly updates the price as soon as the MLS® record changes.
Is $999,900 a good price for 686 Montreal St?
Summitly rates it Excellent Deal: the asking price is 10% or more below Zara's estimate, an estimate built from recent sales in Kingston. The rating is an automated opinion, not an appraisal; "What's it worth?" on this page shows how it is worked out. See Zara's estimate
Has the price of 686 Montreal St changed?
No — 686 Montreal St is still listed at its original asking price of $999,900.
How many bedrooms and bathrooms does 686 Montreal St have?
686 Montreal St has 9 bedrooms and 6 bathrooms, with about 3,000–3,500 square feet of living space. It is a multiplex in Kingston.
How much would the monthly mortgage be on 686 Montreal St?
About $4,912 a month — principal and interest on $999,900 with 20% down ($199,980), a 25-year amortization and an assumed 5.5% interest rate. The mortgage calculator on this page lets you change the down payment, amortization and rate.
How does 686 Montreal St compare with other homes in Kingston?
Its asking price of $999,900 is about 68% above the median sold price in Kingston over the last 90 days, $594,250, across 680 closed sales on the TRREB MLS®. A city median mixes every type and size of home, so the comparable sales on this page are the closer guide.
Has 686 Montreal St been sold before?
Summitly has no earlier MLS® sale or lease of 686 Montreal St on record from the last two years. Older records aren't shown under TRREB rules.
Where is 686 Montreal St?
686 Montreal St is in Kingston, ON. Schools, transit, parks and shops nearby are under Location & lifestyle on this page.
How long has 686 Montreal St been on the market?
156 days — 686 Montreal St was listed on May 7, 2026.
What is the price per square foot of 686 Montreal St?
About $286 to $333 per square foot: the asking price of $999,900 over the 3,000–3,500 sq ft the listing gives as its size range.
Does 686 Montreal St have parking or a garage?
Yes — the listing gives 8 parking spaces. Garage: Yes.
Does 686 Montreal St have a basement, and is it finished?
The listing describes the basement as: Unfinished.
