$564,500
Est. payment $2,499/moCalculate yours
4 Gray Street, Severn, ON L0K 1E0
Coldwater, Severn, ON L0K 1E0
- 3 Beds
- 2 Baths
- 1,100 Sq Ft
Listing courtesy of Royal LePage In Touch Realty MLS® S13825072
About this home
Welcome to this charming family home in the heart of Coldwater! Offering the perfect blend of character and modern updates, this 3-bedroom, 1.5-bath home is ideal for first-time home buyers, young families, or anyone looking to enjoy the charm of small-town living. Inside, you’ll find bright, spacious rooms with soaring ceilings, original hardwood flooring in the living room, and recently renovated bathrooms that add modern comfort while preserving the home’s timeless appeal. Major updates have already been completed, including a metal roof, newer windows, a high-efficiency furnace (2021), and a pergola (2021), providing peace of mind for years to come. The oversized, private lot offers exceptional outdoor living with plenty of room for children and pets to play, gardening, entertaining, or simply relaxing. Multiple outdoor spaces and ample storage make this property as functional as it is inviting. Located just steps from downtown Coldwater, you’ll enjoy easy access to local shops, restaurants, parks, walking trails, schools, and recreational facilities. With Highway 12 and Highway 400 only minutes away, commuting to Midland, Orillia, Barrie, and surrounding communities is quick and convenient. If you’ve been searching for an updated character home with an oversized lot, excellent location, and incredible value, this is one you won’t want to miss.
Property details
Overview
- Property Type
- Detached
- Style
- 1 1/2 Storey
- For
- For Sale
- Status
- New
- Approximate Age
- 100+
- Size
- 1,100 sqft
Interior
- Bedrooms
- 3
- Bathrooms
- 2
- Kitchens
- 1
- Basement
- Crawl Space
Building & Systems
- Heating
- Forced Air (Gas)
- Cooling
- None
- Exterior
- Vinyl Siding
- Foundation
- Block
- Roof
- Metal
- Water
- Municipal
- Sewer
- Sewer
Lot & Parking
- Lot Size
- 45.53 x 190.31 Feet
- Parking
- None garage · 6 total
- Zoning
- R2
Financial
- Property Taxes
- $1,673 (2025)
Location
- Neighbourhood
- Coldwater
- Cross Street
- Sturgeon Bay/River
- Direction Faces
- South
Listing
- MLS® Number
- S13825072
- Days on Market
- 24
- Listed On
- 2026-09-24
- Possession
- flexible
- Listed By
- Royal LePage In Touch Realty
Rooms
Features
Interior
- Carpet Free
- Primary Bedroom - Main Floor
Property
- Fenced Yard
- Level
- Park
- Place Of Worship
- Rec./Commun.Centre
- School
Pool
- None
- Included
- Refrigerator, Stove, Dishwasher, Dryer, Washer, Window Coverings (excluding living room), Gazebo, White fridge in Shed off back deck
- Excluded
- Living room curtains & wall hanging vase, TV mounts, Live edge shelves & brackets in Kitchen, Shelves in lg bdrm upstairs, Hall & Main Floor Bdrm Mirrors, Dragonfly door knocker in porch, . Outside - lights on fence, garden lights, lights around and in the gazebo, curtains, rods, hooks & lights shed
- Rental items
- Hot Water Heater
Mortgage calculator
Estimated mortgage payment
$2,499 per month
- Principal and interest
- $2,499
- Property tax
- $139
- Condo fees
- $0
- Estimated monthly cost
- $2,639
Your mortgage
- Mortgage amount
- $451,600
- Mortgage insurance
- Not needed
- Interest over 25 years
- $298,245
Cash to close
- Down payment
- $112,900
- Land transfer tax
- $7,765
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $120,665
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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