Property Type: Detached HouseOwnership: Freehold

643 Kennedy St

Nanaimo, BC V9R2J9

$550,000

1 bed2 bath4 parking890 sqftBuilt 1920
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Property Details

Property & Lot

Sub-type
House
Lot size
4,686 square feet
Zoning
Residential

R14

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$3,475.44

Interior

Heating
Baseboard heaters
Cooling / A/C
None
Fireplace
Yes (2)

Parking

Total spaces
4

Room Dimensions

RoomLevelDimensions
KitchenMain level7'7 x 8'1
Primary BedroomMain level8'11 x 11'6
BathroomMain level9'7 x 9'8
BathroomMain level5'10 x 7'4
KitchenAdditional Accommodation13'4 x 11'6
Living roomMain level16'3 x 14'2
StorageLower level32'0 x 26'7

Listing Information

MLS®
1044016
Listed
July 28, 2026
Time on market
On the market for 34 days
Data last synced
August 28, 2026

Listing provided by: REMAX Professionals (NA) · Data source: CREA DDF.

Description

Discover this beautifully renovated Old City character home that perfectly blends historic charm with modern convenience. All big upgrades you like to see in old homes includes but not limited to natural gas service, upgraded electrical, upgraded plumbing, and two high-efficiency gas fireplaces. The old central wood fireplace and chimney were removed to enhance space and flow. Enjoy hardwood floors throughout and a luxurious bathroom featuring a walk-in shower, ceramic tile from floor to ceiling, granite vanity, and a stacking washer and gas dryer. The home also includes a newly renovated suite on the main floor, with a galley kitchenette, granite countertops, and modern appliances, perfect for guests, older kids or as an in-law suite. Located in the vibrant Old City neighborhood, this home is close to shops, restaurants, and parks, offering urban convenience and historic charm. Don’t miss this rare opportunity to own a piece of Old City history, updated for modern living. All data and measurements are approximate and should be verified if important (id:63159)

Values & Trends

This listing

$618/sqft

Building average

No other active listings in this building

Old City average

$412/sqft

15 active listing(s)

Parking: 4 stall(s) includedStorage locker: Not indicated

Per-stall/locker dollar values aren't itemized in our data source — shown as included/not indicated only, not a fabricated estimate. $/sqft averages are computed live from other active listings, not a third-party model.

Location Insights

Weather

Partly Cloudy

13°C

Partly Cloudy

Humidity 89%

Wind WSW 6 km/h

Tonight

12°

Tuesday

21°

Tuesday night

14°

Wednesday

16°

Wednesday night

11°

Thursday

17°

Source: Environment and Climate Change Canada.

Population

99,863

(2021 Census)

+10.3% since 2016

Density: 1,104.1/km²

Dwellings: 45,138

Median household income: $75,500

After-tax: $68,500

Immigrant population: 16.1%

Top countries of origin (% of total population)

  • United Kingdom3.5% · 3,495
  • China1.3% · 1,285
  • United States of America1.2% · 1,155
  • India1.1% · 1,075
  • Philippines1% · 1,040
  • Germany0.6% · 635
  • Korea, South0.5% · 470
  • Viet Nam0.5% · 455

Source: Statistics Canada, 2021 Census of Population.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

48

7/9 categories nearby

Transit

Not enough data yet

How this is calculated

Amenities: points awarded per category (restaurants, cafes, grocery, parks, shopping, gyms, pharmacies, banks/ATMs, healthcare) based on distance to the nearest one — 3 points under 200m, 2 points under 500m, 1 point under 800m — summed across all 9 categories and scaled to 0–100.

Transit: based on the number of transit stops within 800m and their mode (SkyTrain weighted highest, then streetcar/ferry, then bus). This reflects stop type and count only — our data doesn't include how often a route actually runs, so frequency is never factored in.

Both scores depend on how much of the surrounding area has been synced from OpenStreetMap and TransLink's GTFS feed. A lower score can mean fewer amenities nearby, or simply that this area hasn't been fully synced yet — not a confident measurement of the location itself.

Nearby Schools

SchoolTypeDistance
Bayview ElementaryElementary508 m
Georgia Avenue ElementaryElementary1.2 km
Pauline Haarer ElementaryElementary1.3 km
John Barsby SecondarySecondary1.5 km
Learning AlternativesSecondary1.5 km
Park Avenue ElementaryElementary1.6 km
Fairview ElementaryElementary1.8 km
Nanaimo District SecondarySecondary1.9 km

Schools shown by distance from this property. This does not indicate school catchment or enrollment eligibility — contact the school district to confirm catchment boundaries.

Nearby Transit

No TransLink stops within an ~10-minute walk.

Nearby Places

Restaurants (5+)

  • MGM · 240 Nicol Street145 m
  • Indian Grill's426 m
  • Bar Luna · Victoria Road 7557 m
  • Bamboo Garden · 67 Victoria Crescent648 m
  • Thai Cook · 22 Victoria Crescent696 m

Cafes (1)

  • The Vault Cafe · 499 Wallace Street701 m

Grocery (1)

  • Superette422 m

Parks (5+)

  • Deverill Square Gyro 2 Park · 200 Irwin Street329 m
  • View Street Park · 38 View Street349 m
  • Nob Hill Park · 400 Milford Crescent437 m
  • Rosamond Park · 1 Rosamond Street445 m
  • Pioneer Square Park603 m

Gyms (1)

  • Dolly's Gym · 111 Nicol Street315 m

Pharmacies (1)

  • Central Drugs617 m

Banks & ATMs (2)

  • Superette Foods - Bitcoin Well ATM · 687 Albert Street430 m
  • TD699 m

Nearby places data: © OpenStreetMap contributors.

School district: Nanaimo-Ladysmith (SD68)

Mortgage & Ownership Cost Calculator

Minimum required: 5.5% ($30,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$440,000.00
Periodic payment — Principal & Interest (monthly)$2,838.73
Additional monthly expenses (strata, tax, utilities, etc.)$334.62
Total monthly cost$3,173.35
Interest paid over 5-yr term$126,105.26
Balance at end of term$395,781.42

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$30,000
Stress test qualifying rate8.09%
Payment you must qualify for$3,998.62

Cash Needed at Closing

Minimum down payment$30,000
Estimated BC PTT$9,000
Legal / closing costs (typical estimate)$1,500
Total cash needed$40,500

Minimum down payment: 5% on the first $500,000, 10% on the portion up to $1.5M, 20% at/above $1.5M. Stress test: OSFI's minimum qualifying rate, the greater of contract rate + 2% or 5.25% — this is what lenders require you to qualify at, not what you'll actually pay. Closing costs are a typical-range estimate, not a quote — actual legal fees vary. Verify all figures with a mortgage broker and lawyer before relying on them.

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