21 CHURCH Street, Penetanguishene, ON

$625,000
MLS#:S12385408
4 beds
2 baths
700-1100 sqft
4.0 parking
Residential Freehold
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Property Highlights

Welcome to this remarkable Bungalow-Raised detached located in the coveted neighborhood of Penetanguishene. Expertly crafted featuring premium vinyl siding and brick veneer construction, this residence presents an exceptional opportunity offered at $625,000 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.

  • 4 Bedrooms and 2 Bathrooms with 2 functional kitchens
  • Generous living space spanning 700-1100 sqft on a premium 96.98 x 115.65 ft lot
  • Features a finished with walk-out, separate entrance basement, adding superb versatility for recreation, a home gym, or extra storage
  • 4.0 total parking spaces available
  • Notable attributes: Accessory Apartment, In-Law Suite, In-Law Capability
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

WELCOME TO 21 CHURCH STREET IN THE BEAUTIFUL TOWN OF PENETANGUISHENE! BUILT IN 2012, THIS RAISED BUNGALOW OFFERS A SPACIOUS AND FLEXIBLE DESIGN WITH TWO KITCHENS, MAKING IT IDEAL FOR MULTI-GENERATIONAL LIVING OR LARGE FAMILIES.THE MAIN LEVEL, WITH 844 SQ. FT., FEATURES THE FIRST KITCHEN, 2 BEDROOMS, AND A 4-PIECE BATH, ACCESSED CONVENIENTLY FROM THE GROUND-LEVEL FRONT ENTRANCE. THE UPPER LEVEL, WITH 951 SQ. FT., HAS ITS OWN PRIVATE BACK ENTRANCE VIA DEDICATED STAIRS AND INCLUDES THE SECOND KITCHEN, 2 BEDROOMS, A 4-PIECE BATH, SECONDARY LAUNDRY HOOK-UP, AND A QUAINT OFFICE/FLEX SPACE. OUTSIDE, ENJOY A LOW-MAINTENANCE YARD AND THE BONUS OF A STORAGE SHED INCLUDED WITH THE PROPERTY, ALSO ENJOY A WALKOUT BASEMENT & NO STEP ENTRY. LOCATED JUST 45 MINUTES TO BARRIE, UNDER AN HOUR TO ORILLIA, AND ABOUT 90 MINUTES TO TORONTO, WITH SCHOOLS, SHOPPING, PARKS, AND THE SHORES OF GEORGIAN BAY ONLY MINUTES AWAY, THIS HOME PERFECTLY COMBINES SMALL-TOWN CHARM WITH EASY ACCESS TO CITY AMENITIES. BOOK YOUR PERSONAL TOUR TODAY!

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Key Features

Bedrooms
4
Bathrooms
2
Kitchens
2
Living Area
700-1100 sqft
Property Type
Residential Freehold

Additional Details

StatusPrice Change
Listed Date9/1/2025
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural StyleBungalow-Raised
ConstructionVinyl Siding, Brick Veneer
BasementFinished with Walk-Out, Separate Entrance
Lot Size96.98 × 115.65 Feet
CountySimcoe
Annual Tax$3,560.7
Legal DescriptionPT LTS 2,3 & 4 W/S CLARENCE AV PL 542 BEING PTS 3 & 4 PL 51R35939, S/T EASEMENT OVER PT 3 PL 51R35939 IN FAVOUR OF PT 2 PL 51R35939 AS IN SC649369; PENETANGUISHENE

Parking & Garage

Parking Spaces4.0
Garage Spaces4
Garage TypeNone

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

Beach, Lake Access, Marina, Park, Library, School

Interior Features

Accessory Apartment, In-Law Suite, In-Law Capability

Security Features

Community Features

Location

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21 CHURCH Street, Penetanguishene, 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 21 CHURCH Street, Penetanguishene, ON L9M 1A9

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 Penetanguishene.

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Interest Rate5.25%
Down Payment$37,500 (6.0%)
* Minimum Canadian down payment required for this price is $37,500.
Amortization Period25 Years
Estimated Monthly Payment$3,501Based on a loan of $587,500 over 25 years.
Purchase Price$625,000
Loan Amount$587,500
Provincial Land Transfer Tax:$8,975
Total Estimated Closing Taxes:$8,975

About Purchasing a Home in Penetanguishene, ON

For a property listed at $625,000 in Penetanguishene, the legal minimum down payment is $37,500 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 $8,975 for this transaction. As this listing is in Penetanguishene (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $8,975.

Nearby Listings

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No current listings found in Penetanguishene.

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City & Neighborhood Guide

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

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$706,517

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

James Keating
Public20 Lorne Avenue, Penetanguishene, Ontario, L9M 1B2
2.2
Burkevale
Public39 Burke Street, Penetanguishene, Ontario, L9M 1C4
7.6
St Ann's
Public5 Dunlop Street, Penetanguishene, Ontario, L9M 1J2
6.1
St-Joseph
Public30 Poyntz Street, Penetanguishene, Ontario, L9M 1N4
5.7
Canadian Martyrs
Public7 Bellisle Road, Penetanguishene, Ontario, L9M 1N6
2.0

Secondary Schools

Le Caron
Public22 John Street, Penetanguishene, Ontario, L9M 1N8
4.8

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.