54 Main Street, Kearney, ON

$699,000
MLS#:X12218468
3 beds
1 baths
< 700 sqft
1.0 parking
Residential Freehold
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Property Highlights

Welcome to this remarkable 1 1/2 Storey detached located in the coveted neighborhood of Kearney. Expertly crafted featuring premium vinyl siding construction, this residence presents an exceptional opportunity offered at $699,000 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 1 Bathroom
  • Generous living space spanning < 700 sqft on a premium 59.97 x 133.11 ft lot
  • Features a partial basement, unfinished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 1.0 total parking spaces available with a convenient attached configuration
  • Notable attributes: Sump Pump, Water Treatment
  • Efficient radiant heating via propane

Description

This beautifully restored early-1900s cottage in Kearney offers over 1,100 square feet of living space, three bedrooms, one bath, and high ceilings. Extensive updates include a high-efficiency boiler, radiant in-floor heating, Energy Star-rated windows, new insulation, and LED lighting for optimal comfort and efficiency. The 2018 renovations also featured new roof shingles, siding, wrap-around veranda, updated electrical and plumbing, and a fully modernized kitchen with granite countertops and stainless steel appliances. Enjoy your morning coffee on the veranda while overlooking Hassard Lake across the street. Though not waterfront, the property offers direct lake access with 7 miles of boating and a peaceful public beach perfect for canoeing, kayaking, and swimming in the Magnetawan River system. Located just north of Muskoka, this home is part of a warm, welcoming community with local dining within walking distance and Huntsville just 30 minutes away. Kearney's vibrant spirit shines through in its famous dog sled races, winter carnival, and summer regatta. For outdoor enthusiasts, Algonquin Provincial Park is within easy reach, offering hiking, biking, fishing, and winter sports. Snowmobile and ATV trails start right close by, and countless secluded fishing lakes are minutes away. End your day around the backyard fire pit, surrounded by nature and tranquility.

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Property Summary

This detached home located at 54 Main Street, Kearney is currently for sale and has been available on SousaSells for 398 days. This property is listed at $699,000 with an estimated mortgage of $2,327* per month. It has 3 beds, 1 bathroom, and is < 700 square feet. 54 Main Street, Kearney is in the Kearney neighborhood.

* Estimated mortgage assumes a 30% down payment, 4.00% interest rate, and 30-year amortization.

Key Features

Bedrooms
3
Bathrooms
1
Kitchens
1
Living Area
< 700 sqft
Property Type
Residential Freehold

Additional Details

StatusSold
Sold DateJuly 24, 2025
Sold price information is available to members only
Listed Date6/12/2025
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural Style1 1/2 Storey
ConstructionVinyl Siding
BasementPartial Basement, Unfinished
Lot Size59.97 × 133.11 Feet
CountyParry Sound
Annual Tax$1,766
Legal DescriptionLT 1 E/S KINGMORE ST, 2 E/S KINGMORE ST PL 93 EXCEPT RO30122 & PT 2 PSR2108; KEARNEY

Parking & Garage

Parking Spaces1.0
Garage Spaces1
Garage TypeAttached

Heating & Cooling

Heat SourcePropane
Heat TypeRadiant
CoolingNone

Features

Property Features

Interior Features

Sump Pump, Water Treatment

Security Features

Community Features

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Location

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54 Main Street, Kearney, 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 54 Main Street, Kearney, ON P0A 1M0

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.

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Mortgage & Affordability Audit

Calculate your monthly payment, minimum downpayment, and land transfer taxes for this home in Kearney.

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Interest Rate4.00%
Down Payment$209,700 (30.0%)
* Minimum Canadian down payment required for this price is $44,900.
Amortization Period30 Years
Estimated Monthly Payment$2,327Based on a loan of $489,300 over 30 years.
Purchase Price$699,000
Loan Amount$489,300
Provincial Land Transfer Tax:$10,455
Total Estimated Closing Taxes:$10,455

About Purchasing a Home in Kearney, ON

For a property listed at $699,000 in Kearney, the legal minimum down payment is $44,900 under current Canadian banking regulations. This calculation applies a 5% requirement on the first $500,000, 10% on the next $499,999, and a flat 20% on any amount exceeding $1,000,000.

Additionally, buyers in Ontario must budget for the Provincial Land Transfer Tax, which is estimated at $10,455 for this transaction. As this listing is in Kearney (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $10,455.

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City & Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for Kearney, Kearney.

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$702,543

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

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Secondary Schools

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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.