$799,000
↓ $100,000 from $899,000
Est. payment $3,538/moCalculate yours
190 4th Street W, Owen Sound, ON N4K 3J9
Owen Sound, Owen Sound, ON N4K 3J9
- 3 Beds
- 2 Baths
- 2,500 Sq Ft
Listing courtesy of Chestnut Park Real Estate MLS® X13062872
About this home
A remarkable transformation defines this elegant Waterfront century home, where timeless character meets thoughtful stylish upgrades. Set on one of Owen Sound’s most desirable streets, this stately & distinguished residence offers a rare opportunity to enjoy refined living in a truly picturesque setting. Striking curb appeal draws you in, while the private backyard opens onto the sparkling waters of the Sydenham River creating a serene, ever-changing natural backdrop that can be enjoyed year-round. Inside, this impressive home has been beautifully revitalized. Carpeting has been removed revealing the original hardwood floors that have been restored, now showcasing their full warmth and character throughout. The home’s original wiring has also been replaced, offering peace of mind alongside its historic charm. The main floor features inviting principal rooms, including a comfortable living room, a formal dining space ideal for entertaining, a convenient 2-piece bath and a well-designed kitchen with an adjoining breakfast nook overlooking the river. A standout feature is the sunroom, filled with natural light and framed by expansive windows that capture breathtaking views of the river, gardens and surrounding wildlife in every season. Follow the newly refinished wood staircase to the upper level where a thoughtfully designed layout includes a cozy reading nook, a spacious 4-piece bath and a generous primary bedroom complete with a bright office or sitting area perfect for quiet mornings or working from home. An unfinished loft offers exciting potential for additional living space, studio, or guest accommodations, while the attached inside entry potting shed provides practical enclosed storage. This is more than a home …. it’s a stunning yet charming Riverside Retreat where history, nature and traditional comfort come together seamlessly.
Property details
Overview
- Property Type
- Detached
- Style
- 2 1/2 Storey
- For
- For Sale
- Status
- Price Change
- Approximate Age
- 100+
- Size
- 2,500 sqft
Interior
- Bedrooms
- 3
- Bathrooms
- 2
- Kitchens
- 1
- Basement
- Unfinished, Walk-Out
Building & Systems
- Heating
- Forced Air (Gas)
- Cooling
- Central Air
- Exterior
- Brick
- Foundation
- Stone
- Roof
- Asphalt Shingle
- Water
- Municipal
- Sewer
- Sewer
Lot & Parking
- Lot Size
- 67 x 110 Feet
- Parking
- None garage · 2 total
- Zoning
- R2 & ZH
Financial
- Property Taxes
- $6,312 (2025)
Location
- Neighbourhood
- Owen Sound
- Cross Street
- 2nd Ave E & 4th St W
- Direction Faces
- North
Listing
- MLS® Number
- X13062872
- Days on Market
- 171
- Listed On
- 2026-04-30
- Possession
- Flexible
- Listed By
- Chestnut Park Real Estate
Rooms
Features
Interior
- Sump Pump
- Workbench
Property
- Hospital
- Library
- Park
- Rec./Commun.Centre
- River/Stream
- School
Pool
- None
- Included
- Refrigerator, stove, dishwasher, washer, dryer, all window coverings, all interior and exterior light fixtures, bathroom mirrors & fixtures, upright freezer in lower level, canoe and 2 paddles
- Excluded
- Personal & staging items.
- Rental items
- Gas hot water heater.
Mortgage calculator
Estimated mortgage payment
$3,538 per month
- Principal and interest
- $3,538
- Property tax
- $526
- Condo fees
- $0
- Estimated monthly cost
- $4,064
Your mortgage
- Mortgage amount
- $639,200
- Mortgage insurance
- Not needed
- Interest over 25 years
- $422,140
Cash to close
- Down payment
- $159,800
- Land transfer tax
- $12,455
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $172,255
With less than 20% down, a 30-year amortization is available to first-time buyers and buyers of newly built homes.
Talk to me about financingEstimates only, not a mortgage offer or financial advice. Uses the Canadian fixed-rate convention (interest compounded twice a year), 2026 mortgage insurance premiums and Ontario land transfer tax. Your lender will confirm your actual rate and payment.
Location
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