615 Bay Street, Midland, ON

$613,900
MLS#:S13232622
3 beds
2 baths
1500-2000 sqft
6.0 parking
Residential Freehold
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Property Highlights

Welcome to this remarkable 2-Storey detached located in the coveted neighborhood of Midland. Expertly crafted featuring premium brick construction, this residence presents an exceptional opportunity offered at $613,900 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 1500-2000 sqft on a premium 66 x 150 ft lot
  • Features a unfinished, walk-up basement, adding superb versatility for recreation, a home gym, or extra storage
  • 6.0 total parking spaces available
  • Notable attributes: Water Heater Owned
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

Timeless Character Meets Modern Convenience in the Heart of Midland! Welcome to this beautifully maintained double-brick century home, where historic charm and modern updates come together seamlessly. Offering 3 bedrooms and 2 bathrooms, this inviting residence is ideally situated just steps from Midland's vibrant downtown, waterfront parks, town dock, and the scenic Rotary Trail. Inside, you'll find an updated kitchen designed to accommodate both everyday living and effortless entertaining. The main floor features a convenient bathroom with laundry, while the formal dining room showcases original pocket doors that beautifully preserve the home's rich character. The warm and welcoming living room is anchored by a cozy wood-burning fireplace, and the sitting room provides the perfect place to unwind with a book and a cup of tea. Step outside to enjoy the partly fenced backyard, complete with a spacious deck, a campfire pit area for relaxing evenings under the stars, and two storage sheds for added convenience. With parking for up to six vehicles, a newer furnace, and central air conditioning, this move-in-ready home offers comfort, functionality, and peace of mind. Experience the best of century home living with modern-day conveniences in one of Midland's most walkable neighbourhoods. Full list of improvements available upon request.

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Property Summary

This detached home located at 615 Bay Street, Midland is currently for sale and has been available on SousaSells for 43 days. This property is listed at $613,900 with an estimated mortgage of $2,043* per month. It has 3 beds, 2 bathrooms, and is 1500-2000 square feet. 615 Bay Street, Midland is in the Midland neighborhood.

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

Key Features

Bedrooms
3
Bathrooms
2
Kitchens
1
Living Area
1500-2000 sqft
Property Type
Residential Freehold

Additional Details

StatusPrice Change
Listed Date6/3/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural Style2-Storey
ConstructionBrick
BasementUnfinished, Walk-Up
Lot Size66 × 150 Feet
CountySimcoe
Annual Tax$3,380
Legal DescriptionPT LT 7 E/S FOURTH ST, 8 E/S FOURTH ST, 9 E/S FOURTH ST PL 306 MIDLAND; PT LANE PL 306 MIDLAND W OF THIRD ST & E OF FOURTH ST BTN KENT ST & CLIFTON ST CLOSED BY RO1213130 AS IN RO1392488; S/T RO1202772; MIDLAND

Parking & Garage

Parking Spaces6.0
Garage Spaces6
Garage TypeNone

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

Interior Features

Water Heater Owned

Security Features

Community Features

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Location

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615 Bay Street, Midland, 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 615 Bay Street, Midland, ON L4R 1L7

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 Midland.

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Interest Rate4.00%
Down Payment$184,170 (30.0%)
* Minimum Canadian down payment required for this price is $36,390.
Amortization Period30 Years
Estimated Monthly Payment$2,043Based on a loan of $429,730 over 30 years.
Purchase Price$613,900
Loan Amount$429,730
Provincial Land Transfer Tax:$8,753
Total Estimated Closing Taxes:$8,753

About Purchasing a Home in Midland, ON

For a property listed at $613,900 in Midland, the legal minimum down payment is $36,390 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 $8,753 for this transaction. As this listing is in Midland (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $8,753.

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City & Neighborhood Guide

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

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$662,087

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

Huron Park
Public425 Robert Street, Midland, Ontario, L4R 2M2
6.0
Mundy's Bay
Public340 Sixth Street, Midland, Ontario, L4R 3Y4
4.4
Sacred Heart
Public241 Elizabeth Street, Midland, Ontario, L4R 1Y5
2.6
Bayview
Public845 Ottawa Street, Midland, Ontario, L4R 1C9
5.8
Monsignor Castex
Public120 Penetanguishene Road, Midland, Ontario, L4R 4Z6
5.8

Secondary Schools

Georgian Bay District
Public865 Hugel Avenue, Midland, Ontario, L4R 1X8
5.3
St. Theresa’s
Catholic347 Galloway Boulevard, Midland, Ontario, L4R 5B2
5.2

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.