320 Mackay Street, Pembroke, ON

$399,900
MLS#:X13419648
3 beds
2 baths
1500-2000 sqft
5.0 parking
Residential Freehold
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Property Highlights

Welcome to this remarkable 1 1/2 Storey detached located in the coveted neighborhood of 530 - Pembroke. Expertly crafted featuring premium other construction, this residence presents an exceptional opportunity offered at $399,900 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 spacious lot (Feet)
  • Features a full, finished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 5.0 total parking spaces available with a convenient detached configuration
  • Notable attributes: Auto Garage Door Remote, Carpet Free, Central Vacuum
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

This charming two storey, three bedroom home is centrally located and in walking distance to downtown shopping, restaurants, schools and churches. Upstairs has three good sized bedrooms and a four piece washroom. The primary bedroom steps down into extra space which could be used as an office or hobby area. The main floor is tastefully decorated with a functional central kitchen, formal dining room, bright den and living room which includes a cozy gas fireplace. Both the living room and den have patio doors leading to a fully fenced backyard urban oasis with an in-ground pool surrounded by stamped concrete, two tiered deck and a hot tub - the perfect backyard for relaxing with family or entertaining friends. Downstairs is a large family room complete with wet bar, second washroom with attached laundry room and lots of extra storage closets. The large garage offers plenty of storage, a workshop and a changing room for the pool. Recent upgrades include new electric panel 2021, new shingles 2021, new patio doors 2021, partial kitchen renovation 2021, new furnace 2023, new AC 2023, some new windows 2024, new pool heater 2024 and new pool pump 2024. Added bonus the property backs onto beautiful Pansy Patch park with a path direct from the yard. 48 hour irrevocable on offers.

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Key Features

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

Additional Details

StatusPrice Change
Listed Date6/9/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural Style1 1/2 Storey
ConstructionOther
BasementFull, Finished
CountyRenfrew
Annual Tax$4,616.83
Legal DescriptionPT LT 95 & PT LT 129, PL 57 AS IN R335722 ; CITY OF PEMBROKE

Parking & Garage

Parking Spaces5.0
Garage Spaces3
Garage TypeDetached

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

Fenced Yard, Hospital, Library, Marina, Park, Place Of Worship

Interior Features

Auto Garage Door Remote, Carpet Free, Central Vacuum, Upgraded Insulation, Workbench, Water Heater, Storage

Security Features

Carbon Monoxide Detectors, Smoke Detector

Community Features

Location

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320 Mackay Street, Pembroke, 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 320 Mackay Street, Pembroke, ON K8A 1C7

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 Pembroke.

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Interest Rate5.25%
Down Payment$19,995 (5.0%)
* Minimum Canadian down payment required for this price is $19,995.
Amortization Period25 Years
Estimated Monthly Payment$2,264Based on a loan of $379,905 over 25 years.
Purchase Price$399,900
Loan Amount$379,905
Provincial Land Transfer Tax:$4,474
Total Estimated Closing Taxes:$4,474

About Purchasing a Home in Pembroke, ON

For a property listed at $399,900 in Pembroke, the legal minimum down payment is $19,995 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 $4,474 for this transaction. As this listing is in Pembroke (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $4,474.

Nearby Listings

Distance:

No current listings found in Pembroke.

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City & Neighborhood Guide

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

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$484,809

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

Cathedral
Public200 Isabella Street, Pembroke, Ontario, K8A 5S7
6.8
L'Équinoxe
Public399 Isabella Street, Pembroke, Ontario, K8A 5T4
4.7
Champlain Discovery
Public390 Bell Street, Pembroke, Ontario, K8A 2K5
3.0
Our Lady of Lourdes
Public535 Irving Street, Pembroke, Ontario, K8A 2V2
8.1
Holy Name
Public299 First Avenue North, Pembroke, Ontario, K8A 5C3
3.6

Secondary Schools

Bishop Smith
Public362 Carmody Street, Pembroke, Ontario, K8A 4G2
7.3
Fellowes
Public420 Bell Street, Pembroke, Ontario, K8A 2K5
4.6
Jeanne-Lajoie
Public1257 Pembroke Street West, Pembroke, Ontario, K8A 5R3
8.2

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.