$799,900
Est. payment $3,542/moCalculate yours
13 Church Street, Stirling-Rawdon, ON K0K 3E0
Stirling Ward, Stirling-Rawdon, ON K0K 3E0
- 7 Beds
- 4 Baths
- 2 Garage
- 3,500 Sq Ft
Listing courtesy of Royal Lepage Proalliance Realty MLS® X13791976
About this home
A standout 4-plex opportunity for investors, multi-generational buyers, or those looking to live in one unit while building equity through the others. This handsome red-brick building has been carefully maintained and continually improved by an owner who has tackled project after project. The four units include three 2-bedrooms and one 1-bedroom, with significant improvements completed throughout the building, including two recent top-to-bottom renovations. Importantly, the improvements go well beyond cosmetic updates, with mechanical systems and major components also upgraded along the way. The result is a property that looks the part today. Unit A is currently owner occupied and retains the building’s original charm with tall ceilings and classic mouldings, plus a full-height basement, multi-tier deck, and outdoor kitchen. Keep it as your home and let the other three units help carry the expenses, or set a new rent when it becomes vacant. For the investor, each unit has its own exterior entrance and is separately metered for heat and hydro. Newer furnaces and vinyl windows help keep operating costs manageable, while the basement can be separated from Unit A and accessed from outside for easy maintenance. The 28′ x 20′ detached garage with 60-amp hydro offers another avenue to grow the income. Large enough to divide into multiple secure storage spaces, it could generate additional rental income by offering dedicated storage to tenants or renting spaces separately. Ample parking and a newly paved driveway complete the package. The location is a strong draw for tenants, with downtown Stirling, parks, the Community Centre, grocery, laundromat, and everyday amenities all within walking distance. For commuters, the 401 is approximately 15 minutes away with easy access to Trenton and Belleville, while Highway 7 is also 15 minutes away.
Property details
Overview
- Property Type
- Fourplex
- Style
- 2-Storey
- For
- For Sale
- Status
- New
- Approximate Age
- 100+
- Size
- 3,500 sqft
Interior
- Bedrooms
- 7
- Bathrooms
- 4
- Kitchens
- 4
- Basement
- Full, Unfinished, Separate Entrance
Building & Systems
- Heating
- Forced Air (Electric)
- Cooling
- Window Unit(s)
- Exterior
- Brick
- Foundation
- Stone
- Roof
- Metal, Shingles
- Water
- Municipal
- Sewer
- Sewer
Lot & Parking
- Lot Size
- 66 x 165 Feet
- Parking
- Detached garage · 10 total
- Zoning
- R2
Financial
- Property Taxes
- $5,995 (2026)
Location
- Neighbourhood
- Stirling Ward
- Cross Street
- Church St / Hwy 14 (North St)
- Direction Faces
- South
Listing
- MLS® Number
- X13791976
- Days on Market
- 32
- Listed On
- 2026-09-16
- Possession
- Flexible
- Listed By
- Royal Lepage Proalliance Realty
Features
Interior
- Separate Heating Controls
- Separate Hydro Meter
Property
- Golf
- Library
- Place Of Worship
- School
Pool
- None
- Included
- Fridge (4), Stove (4), Electric Hot Water Heater (1)
- Excluded
- Tenants belongings; garage contents; Fridge, washer, dryer in basement
- Rental items
- Gas Hot Water Heaters (3)
Mortgage calculator
Estimated mortgage payment
$3,542 per month
- Principal and interest
- $3,542
- Property tax
- $500
- Condo fees
- $0
- Estimated monthly cost
- $4,041
Your mortgage
- Mortgage amount
- $639,920
- Mortgage insurance
- Not needed
- Interest over 25 years
- $422,615
Cash to close
- Down payment
- $159,980
- Land transfer tax
- $12,473
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $172,453
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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