14 Coldwater Road, Severn, ON

$699,000
MLS#:S12798008
0 beds
0 baths
Commercial
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Property Highlights

Welcome to this remarkable investment located in the coveted neighborhood of Coldwater. Offering a sublime balance of structural integrity and modern aesthetic appeal, 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.

  • 0 Bedrooms and 0 Bathrooms
  • Premium 29.99 x 94.05 ft lot size
  • equipped with yes central cooling and highly efficient gas forced air open heating

Description

Century commercial building backing onto Coldwater River in the business heart of the Town of Coldwater. Lots of character and charm in this building. This multi use building offers retail on the mail level and a 2 bedroom plus den apartment on upper. The main floor retail space has 12 foot ceilings and a sunroom addition with a walk out to the scenic river. There is also an unfinshed dry basement with a 2 pc bathroom and great storage. The upper apartment also has high ceiling, laundry in suite and a walk out to the deck from the kitchen. 2 A + tenants who would like to continue to rent. All appliances included. Separate meters and furnaces for both units.

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Key Features

Property Type
Commercial

Additional Details

StatusActive
Listed Date2/18/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeInvestment
Lot Size29.99 × 94.05 Feet
CountySimcoe
Annual Tax$3,092.86

Parking & Garage

Garage TypeNone

Heating & Cooling

Heat TypeGas Forced Air Open
CoolingYes

Features

Property Features

Interior Features

Security Features

Community Features

Location

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14 Coldwater Road, Severn, 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 14 Coldwater Road, Severn, ON L0K 1E0

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 Severn.

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Interest Rate5.25%
Down Payment$44,900 (6.4%)
* Minimum Canadian down payment required for this price is $44,900.
Amortization Period25 Years
Estimated Monthly Payment$3,898Based on a loan of $654,100 over 25 years.
Purchase Price$699,000
Loan Amount$654,100
Provincial Land Transfer Tax:$10,455
Total Estimated Closing Taxes:$10,455

About Purchasing a Home in Severn, ON

For a property listed at $699,000 in Severn, 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 Severn (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 Coldwater, Severn.

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$660,711

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.