20 RIVER Street, Smiths Falls, ON

$499,900
MLS#:X13001042
3 beds
2 baths
700-1100 sqft
2.0 parking
Residential Freehold
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Description

Property Highlights

Welcome to this remarkable ["2-Storey"] detached located in the coveted neighborhood of 901 - Smiths Falls. Expertly crafted featuring premium stone and vinyl siding construction, this residence presents an exceptional opportunity offered at $499,900 to acquire a beautiful home in a highly sought-after setting. Designed for both comfortable daily living and elegant entertaining, the layout maximizes natural light, functional flow, and lifestyle utility.

  • 3 Bedrooms and 2 Bathrooms
  • Generous living space spanning 700-1100 sqft on a premium 40 x 181 ft lot
  • Features a ["half", "unfinished"] basement, adding superb versatility for recreation, a home gym, or extra storage
  • 2.0 total parking spaces available
  • Notable attributes: Carpet Free
  • equipped with ["other"] central cooling and highly efficient baseboard heating via electric

Welcome to a rare opportunity in an exceptional location-this beautifully updated home sits on an oversized lot just steps from the UNESCO World Heritage Site Rideau Canal. From your backyard, enjoy direct access to scenic walking paths leading to Lower Reach Park, with fishing, paddling, and nature right at your doorstep. A short stroll brings you to the amenities of downtown, offering the perfect blend of convenience and lifestyle. The deep, lot is well framed by mature trees, including a towering pine, and features a thoughtfully designed outdoor space ideal for entertaining, complete with a built-in sandbox for the kids and plenty of room for family gatherings and relaxation. Inside, the home showcases extensive updates and timeless finishes, including maple hardwood flooring throughout both the main and second levels. The inviting living room is anchored by a cozy gas fireplace, while the bright dining area overlooks the backyard and flows seamlessly into a well-appointed, efficient kitchen. A convenient two-piece bath and main floor laundry add to the functionality of the space. Upstairs, the spacious primary bedroom offers a second gas fireplace and custom built-in dressers that maximize storage and style. Two additional bedrooms and a beautifully updated full bathroom complete the upper level. Situated on a quiet street in a sought-after neighbourhood, this is a fantastic family home offering comfort, charm, and an unbeatable lifestyle. Walking distance to both Chimo and St. Francis elementary Schools. Additionally, an opportunity to purchase the home next door currently used as an in-law suite and an income unit - ideal for multigenerational living. Opportunities like this don't come along often-call today!

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Key Features

Bedrooms
3
Bathrooms
2
Kitchens
1
Living Area
700-1100 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
Listed Date4/14/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
ConstructionStone, Vinyl Siding
Lot Size40 × 181 Feet
CountyLanark
Annual Tax$2,368
Legal DescriptionPT LT 20 N/S RIVER ST PL 13884 LANARK S SOUTH ELMSLEY AS IN RS180760 TOWN OF SMITHS FALLS

Parking & Garage

Parking Spaces2.0
Garage Spaces2
Garage TypeNone

Heating & Cooling

Heat SourceElectric
Heat TypeBaseboard
Cooling["Other"]

Features

Property Features

Community Features

Location

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20 RIVER Street, Smiths Falls, ON
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Property History

No historical data available for this property.

This could be the first listing for this address.

Pricing & Value Insights

Data-driven valuation for 20 RIVER Street, Smiths Falls, ON K7A 3S2

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

Market Speed
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Properties in this area are selling at a steady pace.

Market Trend
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Financial Audit

Estimated Costs

Loan Amount$399,920
Monthly Mortgage$2,324
Property Tax (Est.)$197
Utilities & Maint.$350
Total Monthly Cost$2,871

Nearby School Rankings

No schools found within 3 km of this property.

Within 2km radiusFraser Institute Ratings

Nearby Listings

Distance:

No current listings found in Smiths Falls.

City & Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for 901 Smiths Falls, Smiths Falls.

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$850,000

People & Families

Age Distribution

Household Composition

One-person households
25%
Families with children
50%
Couples without children
24%
Other households
0%

Top Ethnic Origins

Chinese11%
English9%
Indian9%
Irish8%

Local Schools Guide

Elementary Schools

Duncan J Schoular
Public41 McGill Street South, Smiths Falls, Ontario, K7A 3M9
2.6
Chimo
Public11 Ross Street, Smiths Falls, Ontario, K7A 4V7
3.7
St Francis de Sales
Public4 Ross Street, Smiths Falls, Ontario, K7A 4L5
2.9

Secondary Schools

St. Luke Catholic
Catholic5 Catherine Street, Smiths Falls, Ontario, K7A 3Z9
0.9
Smiths Falls
Public10 Ontario Street, Smiths Falls, Ontario, K7A 4P9
3.7

Homes & Housing

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied65%
Rented35%

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Notice: Market Insights are generated by analyzing real-time data and should be used for informational purposes only. Consult with a licensed professional for exact valuations.

Disclaimer: AI Insights are generated by an automated system and should be used for informational purposes only. While we strive for accuracy using current market data and deep-learning models, these assessments do not constitute professional real estate, legal, or financial advice. All property values, predictions, and scores are estimates. We strongly recommend verifying all property details and conducting independent due diligence with a licensed professional before making any purchase decisions.