$499,900
Est. payment $2,213/moCalculate yours
346 Bay Street, Midland, ON L4R 1K2
Midland, Midland, ON L4R 1K2
- 2 Beds
- 2 Baths
- 1 Garage
- 1,100 Sq Ft
Listing courtesy of RIGHT AT HOME REALTY MLS® S13783804
About this home
Welcome to this charming red-brick home, where timeless character meets modern updates. Filled with warmth and personality, this home features beautiful hardwood floors, custom trim work and an inviting three-season porch, along with beautifully landscaped gardens and a private backyard retreat. Inside, the open-concept main floor creates a wonderful flow between the kitchen and living space, making everyday living and entertaining effortless. The kitchen features modern cabinetry, stainless steel appliances and a charming window seat. Right off the kitchen, an additional space offers the perfect opportunity to customize and create a convenient powder room or main-floor laundry. Step outside and discover your own backyard retreat, complete with mature gardens, an interlock driveway and a fenced-in yard. A detached single-car garage/workshop with its own electrical panel, fully insulated interior and attached greenhouse offers incredible versatility for hobbies, projects, gardening or additional storage. Located just minutes from Midland’s vibrant downtown and beautiful Georgian Bay waterfront, you’ll have shops, restaurants, parks, trails and the waterfront lifestyle close to your doorstep. Recent updates include a new furnace, air conditioning and hot water tank (2026), adding peace of mind to this charming home.
Property details
Overview
- Property Type
- Detached
- Style
- 1 1/2 Storey
- For
- For Sale
- Status
- New
- Size
- 1,100 sqft
Interior
- Bedrooms
- 2
- Bathrooms
- 2
- Kitchens
- 1
- Basement
- Partial Basement, Unfinished
Building & Systems
- Heating
- Forced Air (Gas)
- Cooling
- Central Air
- Exterior
- Brick, Vinyl Siding
- Foundation
- Stone
- Roof
- Asphalt Shingle
- Water
- Municipal
- Sewer
- Sewer
Lot & Parking
- Lot Size
- 48.6 x 120 Feet
- Parking
- Detached garage · 6 total
- Zoning
- RM1
Financial
- Property Taxes
- $2,831 (2025)
Location
- Neighbourhood
- Midland
- Cross Street
- Bay Street Between Russell & Charles Street
- Direction Faces
- North
Listing
- MLS® Number
- S13783804
- Days on Market
- 33
- Listed On
- 2026-09-15
- Possession
- Flexible
- Listed By
- RIGHT AT HOME REALTY
Rooms
Features
Interior
- Auto Garage Door Remote
- Water Heater Owned
Pool
- None
- Included
- Refrigerator, Stove, Rangehood Microwave, Convection Oven, Window Coverings, ELFs, Garage Door Opener, All Outdoor Furniture & Decor (Backyard), BBQ, Firepit
Mortgage calculator
Estimated mortgage payment
$2,213 per month
- Principal and interest
- $2,213
- Property tax
- $236
- Condo fees
- $0
- Estimated monthly cost
- $2,449
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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