$499,900
Est. payment $2,213/moCalculate yours
109 Elgin Street, Orillia, ON L3V 1S6
Orillia, Orillia, ON L3V 1S6
- 4 Beds
- 2 Baths
- 1,500 Sq Ft
Listing courtesy of HOMELIFE GOLCONDA REALTY INC. MLS® S13864522
About this home
Zoned C4i, this charming two-storey brick home offers exceptional flexibility for residential, commercial, rental income, or mixed-use possibilities. Ideally located just steps from the downtown waterfront and close to parks, shopping, and all amenities. This 4-bedroom, 2-bathroom property is freshly painted; some new windows. It is filled with character, featuring high ceilings on both levels, a classic wood staircase, carpet-free living with laminate and ceramic flooring throughout, and a wide front porch that sets the tone-ideal for morning coffee or evening unwinding. The main floor includes a large bedroom, a 3 pc bath, a well-sized kitchen, and a bright living area. Both the the front and rear entrances naturally support flexible live/work or multi-purpose space arrangements. The upper level includes an additional prep kitchen area with a sink, cabinetry, and counter space, 3 bright bedrooms, and a 4 pc bathroom, allowing for adaptable configurations such as a home-based business, professional office, live/work setup, or personalized retreat. 3 parking spaces offer convenience in the heart of the city. Rich in character and history, this centrally located property presents an excellent opportunity for investors, entrepreneurs, or homeowners seeking versatile space and potential supplemental income.
Property details
Overview
- Property Type
- Detached
- Style
- 2-Storey
- For
- For Sale
- Status
- New
- Size
- 1,500 sqft
Interior
- Bedrooms
- 4
- Bathrooms
- 2
- Kitchens
- 1
- Basement
- Full
Building & Systems
- Heating
- Forced Air (Gas)
- Cooling
- Central Air
- Exterior
- Brick
- Foundation
- Concrete Block
- Roof
- Asphalt Shingle
- Water
- Municipal
- Sewer
- Sewer
Lot & Parking
- Lot Size
- 46 x 70 Feet
- Parking
- None garage · 3 total
- Zoning
- C4i
Financial
- Property Taxes
- $3,083 (2026)
Location
- Neighbourhood
- Orillia
- Cross Street
- Front Street S
- Direction Faces
- South
Listing
- MLS® Number
- S13864522
- Days on Market
- 13
- Listed On
- 2026-10-05
- Possession
- Flexible
- Listed By
- HOMELIFE GOLCONDA REALTY INC.
Features
Interior
- Carpet Free
- In-Law Capability
Pool
- None
- Included
- Fridge, stove, range hood, washer
- Rental items
- Hot water tank
Mortgage calculator
Estimated mortgage payment
$2,213 per month
- Principal and interest
- $2,213
- Property tax
- $257
- Condo fees
- $0
- Estimated monthly cost
- $2,470
Your mortgage
- Mortgage amount
- $399,920
- Mortgage insurance
- Not needed
- Interest over 25 years
- $264,115
Cash to close
- Down payment
- $99,980
- Land transfer tax
- $6,473
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $106,453
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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