9 River Street, Severn, ON

$845,900
MLS#:S13440808
4 beds
3 baths
2500-3000 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 Coldwater. Expertly crafted featuring premium board & batten and brick construction, this residence presents an exceptional opportunity offered at $845,900 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.

  • 4 Bedrooms and 3 Bathrooms with 2 functional kitchens
  • Generous living space spanning 2500-3000 sqft on a premium 96 x 231 ft lot
  • Features a unfinished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 6.0 total parking spaces available
  • Notable attributes: Accessory Apartment, Brick & Beam, Carpet Free
  • Efficient forced air heating via gas

Description

Visit the REALTOR website for further information about this listing. Quietly set just foot steps away from the Village of Coldwater's unique amenities including the famous Em's Cafe, Restaurants (Shannon's Kitchen, 4age, Tiffany's, the Legion), the Arena, Library, LCBO, Foodland, Post Office and many other shops, as well as the Coldwater Fall Fair! This character home features approx. 2,800 sq ft including nearly 1,800 sq ft of original home (c. 1870) tastefully updated by the architect-owner in recent years as well as nearly 700 sq ft legal and bright one bedroom apartment. The main home features 9 ft ceilings on the main floor with an exceptional kitchen with granite counters and an authentic vintage tin ceiling. Other rooms include three bedrooms, a bright office / den, a 3 piece washroom and powder room, as well as a dining room and living room both with bay windows. Tall baseboards and generous unique trim throughout. Laundry room is strategically located between the main house and the apartment. The generously sized apartment (recently vacated to sell) was created in 2020 and can generate considerable revenue. It features a huge window to the rear yard. Designed for sound isolation and flexibility to allow use as a rented legal apartment, a granny suite, or for other family members with a degree of independence or potential home based business.

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Key Features

Bedrooms
4
Bathrooms
3
Kitchens
2
Living Area
2500-3000 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
Listed Date6/12/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural Style2-Storey
ConstructionBoard & Batten , Brick
BasementUnfinished
Lot Size96 × 231 Feet
CountySimcoe
Annual Tax$3,944
Legal DescriptionLT 7 E/S COLDWATER RD PL 445 MEDONTE; LT 8 E/S COLDWATER RD PL 445 MEDONTE; SEVERN

Parking & Garage

Parking Spaces6.0
Garage Spaces6
Garage TypeNone

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingNone

Features

Property Features

Fenced Yard, Level, Library, Other, Rec./Commun.Centre, School

Interior Features

Accessory Apartment, Brick & Beam, Carpet Free, In-Law Capability, In-Law Suite, Other, Separate Heating Controls, Storage, Sump Pump, Upgraded Insulation, Ventilation System, Water Heater, Water Meter

Security Features

Carbon Monoxide Detectors, Heat Detector, Smoke Detector

Community Features

Location

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9 River Street, 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 9 River Street, 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.

Market Trend
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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$59,590 (7.0%)
* Minimum Canadian down payment required for this price is $59,590.
Amortization Period25 Years
Estimated Monthly Payment$4,686Based on a loan of $786,310 over 25 years.
Purchase Price$845,900
Loan Amount$786,310
Provincial Land Transfer Tax:$13,393
Total Estimated Closing Taxes:$13,393

About Purchasing a Home in Severn, ON

For a property listed at $845,900 in Severn, the legal minimum down payment is $59,590 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 $13,393 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 $13,393.

Nearby Listings

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No current listings found in Severn.

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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.