646 High Street, North Bay, ON

$440,000
MLS#:X13839104
4 beds
2 baths
1500-2000 sqft
4.0 parking
Residential Freehold
Residential Freehold for sale - 4 Bed, 2 Bath Home at 646 High Street North Bay ON listed at $440,000 (MLS# X13839104) - Main View
For Sale
Added:Sep 29, 2026(today)
Updated:Sep 29, 2026(today)
Last Checked:19 minutes ago

Property Highlights

Welcome to this remarkable Bungalow duplex located in the coveted neighborhood of Central. Expertly crafted featuring premium brick and vinyl siding construction, this residence presents an exceptional opportunity offered at $440,000 to acquire a beautiful home in a highly sought-after setting. Designed for both comfortable daily living and elegant entertaining, the layout maximizes natural light, functional flow, and lifestyle utility.

  • 4 Bedrooms and 2 Bathrooms with 2 functional kitchens
  • Generous living space spanning 1500-2000 sqft on a premium 125 x 46 ft lot
  • Features a finished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 4.0 total parking spaces available
  • Notable attributes: Accessory Apartment, In-Law Capability, On Demand Water Heater
  • equipped with other central cooling and highly efficient water heating via gas

Description

average hydro for both units 200 per month , water 120 per month, living room wall in the main unit can be opened up again to make the two units one

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Property Summary

This duplex located at 646 High Street, North Bay is currently for sale and has been available on SousaSells for 0 days. This property is listed at $440,000 with an estimated mortgage of $1,465* per month. It has 4 beds, 2 bathrooms, and is 1500-2000 square feet. 646 High Street, North Bay is in the Central neighborhood.

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* Estimated mortgage assumes a 30% down payment, 4.00% interest rate, and 30-year amortization.
Is this a Good Home for Families?

Yes! Featuring 4 bedrooms and 2 bathrooms, this home offers ample space and comfort for growing families in Central, North Bay.

Highly Recommended for Families
What We Love About This Home
  • •4 spacious bedroom layout offering versatile living space
  • •2 well-appointed bathrooms
  • •1500-2000 sqft of generous functional square footage
Standout Features & Layout
Who Should Buy This Home?

Growing families needing multi-bedroom flexibility and space in Central, North Bay.

Target Buyer Match

Key Features

Bedrooms
4
Bathrooms
2
Kitchens
2
Living Area
1500-2000 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
Price$440,000
AddedSep 29, 2026 (today)
UpdatedSep 29, 2026 (today)
Last Checked19 minutes ago
Transaction TypeFor Sale
List Office NameCentury 21 Blue Sky Region Realty Inc., Brokerage

Property Details

Property Sub-TypeDuplex
Architectural StyleBungalow
ConstructionBrick, Vinyl Siding
BasementFinished
Lot Size125 × 46 Feet
CountyNipissing
Annual Tax$3,680
Rental Itemshot water tank, boiler system , seller to buy out upon closing
Legal DescriptionPCL 15872 SEC WF, PT LANE PL M32 WIDDIFIELD BTN HIGH ST & ROSE AVE BEING PART 2 36R6106, S/T LT 226580; NORTH BAY, DISTRICT OF NIPISSING. PIN 491560284 TOGETHER WITH PIN 491560407

Parking & Garage

Parking Total4.0
Parking Space4
Garage TypeNone

Heating & Cooling

Heat SourceGas
Heat TypeWater
CoolingOther

Features

Property Features

None listed

Interior Features

  • Accessory Apartment
  • In-Law Capability
  • On Demand Water Heater

Security Features

None listed

Community Features

None listed

Property History

No historical data available for this property.

This could be the first listing for this address.

North Bay Home Buyer Advisory & Market HubActive MLS® Listing in North Bay, Ontario

Looking to Buy a Home in North Bay?

If you are looking for a house in North Bay or researching North Bay real estate for sale, this 4-bedroom duplex at 646 High Street, North Bay, ON offers an exceptional opportunity to buy a home in North Bay, Ontario. Whether you are a first-time North Bay home buyer or comparing active North Bay MLS® homes for sale, working with a dedicated North Bay buyer agent ensures you receive priority showing access, unrepresented buyer protection, and aggressive price negotiation.

North Bay Homes for Sale & MLS® Listings

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Dedicated North Bay Buyer Agent

Under Ontario REBBA/TRESA regulations, the listing brokerage is legally bound to the seller's financial interests. Work with an experienced North Bay realtor & real estate broker who represents you 100%—at zero cost to you as a buyer.

North Bay Buyer Budget & Costs

Estimated mortgage: $1,465*/month*. Estimated Ontario Land Transfer Tax: $5,275. First-time North Bay home buyers may qualify for up to $8,475 in rebates.

Frequently Asked Questions: Buying a Home in North Bay

Frequently Asked Questions about 646 High Street, North Bay, ON

Q.What is the asking price for 646 High Street, North Bay, ON ?

The current listing price for 646 High Street, North Bay, ON in Central, North Bay is $440,000.

Q.How many bedrooms and bathrooms does this property have?

This property features 4 bedrooms and 2 bathrooms across approximately 1500-2000 sqft.

Q.What property type and architectural style is 646 High Street, North Bay, ON ?

646 High Street, North Bay, ON is a Duplex (Bungalow) featuring a Finished basement.

Q.What interior features are included in this home?

Interior highlights include: Accessory Apartment, In-Law Capability, On Demand Water Heater.

Q.Is parking available at this property?

Yes, this property offers parking space for 4.0 vehicles (None).

Q.What heating and cooling systems are installed?

Heating is provided via Gas and cooling via Other.

Location

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646 High Street, North Bay, ON

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Neighborhood Safety Index

Neighborhood Safety & Crime Analytics

Central, North Bay

SAFETY RATING9.4 / 10
Low Incident Area
Total Annual Incidents35 incidents / yr
Average Per Month2.9 incidents / mo
Population BenchmarkArea Average residents
Personal Safety
Very Low

8 assaults (30.0/100k)

Property Security
Very Low

8 B&E (30.0/100k)

Auto Theft Risk
Low Risk

10 thefts (35.0/100k)

1-Year Trend
â–¼ 6%

Improving vs previous year

How Per-Capita Rate (Per 100,000 Residents) Is Calculated:

Formula: (Annual Occurrences / Population) × 100,000. This standard policing calculation normalizes incident frequencies across different population sizes, allowing accurate safety comparisons between quiet residential pockets and dense urban centres.

Source: Official Police Services ArcGIS Open Data
Halton & GTA Police Network

Disclaimer: Crime and safety analytics are compiled from official municipal and regional police open data records for general consumer informational and demographic research purposes only. Data is deemed reliable but is not guaranteed and does not constitute a legal representation or guarantee of future safety.

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Pricing & Value Insights

Data-driven valuation for 646 High Street, North Bay, ON P1B 6R8

Estimated Sales Range
$418,000 - $431,000

Based on 0 recent similar sales in the pocket.

Market Speed
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Properties in this area are selling at a steady pace.

Market Trend
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Mortgage & Affordability Audit

Calculate your monthly payment, minimum downpayment, and land transfer taxes for this home in North Bay.

Configure Loan Settings

Interest Rate4.00%
Down Payment$132,000 (30.0%)
* Minimum Canadian down payment required for this price is $22,000.
Amortization Period30 Years
Estimated Monthly Payment$1,465Based on a loan of $308,000 over 30 years.
Purchase Price$440,000
Loan Amount$308,000
Provincial Land Transfer Tax:$5,275
Total Estimated Closing Taxes:$5,275

About Purchasing a Home in North Bay, ON

For a property listed at $440,000 in North Bay, the legal minimum down payment is $22,000 under current Canadian banking regulations. This calculation applies a 5% requirement on the first $500,000, 10% on the next $499,999, and a flat 20% on any amount exceeding $1,000,000.

Additionally, buyers in Ontario must budget for the Provincial Land Transfer Tax, which is estimated at $5,275 for this transaction. As this listing is in North Bay (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $5,275.

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Central, North Bay Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for Central, North Bay.

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$601,013

People & Families

Age Distribution

Household Composition

One-person households
25%
Families with children
50%
Couples without children
24%
Other households
0%

Top Ethnic Origins

Chinese11%
English9%
Indian9%
Irish8%

Best Schools in Central, North Bay

Elementary Schools

Mother St Bride
Public414 Second Avenue West, North Bay, Ontario, P1B 3L2
0.9
Saint-Vincent
Public124 King Street East, North Bay, Ontario, P1B 1P2
3.0
St Hubert
Public850 Lorne Avenue, North Bay, Ontario, P1B 8M2
4.1
Alliance
Public700 Stones Street, North Bay, Ontario, P1B 6C1
5.9
Saints-Anges
Public681 Chippewa Street West, North Bay, Ontario, P1B 6G8
4.3

Secondary Schools

Algonquin
Public555 Algonquin Avenue, North Bay, Ontario, P1B 4W8
3.1
St. Joseph-Scollard Hall
Catholic675 O'Brien Street, North Bay, Ontario, P1B 9R3
5.4
Chippewa
Public539 Chippewa Street West, North Bay, Ontario, P1B 6G8
5.5
Odyssée
Public480 Norman Avenue, North Bay, Ontario, P1B 0A8
6.9

Central, North Bay Demographic Home information

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied65%
Rented35%

Need more details or a custom CMA?

Generate a full market evaluation or explore city guides using the sidebar links.

Notice: Market Insights are generated by analyzing real-time data and should be used for informational purposes only. Consult with a licensed professional for exact valuations.

Disclaimer: AI Insights are generated by an automated system and should be used for informational purposes only. While we strive for accuracy using current market data and deep-learning models, these assessments do not constitute professional real estate, legal, or financial advice. All property values, predictions, and scores are estimates. We strongly recommend verifying all property details and conducting independent due diligence with a licensed professional before making any purchase decisions.

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