21 Elm Street, Smiths Falls, ON

$319,900
MLS#:X14177356
3 Bedrooms
1 baths
1500-2000 sqft
3.0 parking
Residential Freehold
Residential Freehold for sale - 3 Bed, 1 Bath Home at 21 Elm Street Smiths Falls ON listed at $319,900 (MLS# X14177356) - Main View
For Sale
Added:Nov 13, 2026(1 day ago)
Updated:Nov 13, 2026(1 day ago)
Last Checked:21 minutes ago

Property Highlights

Welcome to this remarkable 2-Storey detached located in the coveted neighborhood of Smiths Falls. Expertly crafted featuring premium brick and vinyl siding construction, this residence presents an exceptional opportunity offered at $319,900 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 1 Bathroom
  • Generous living space spanning 1500-2000 sqft on a premium 64 x 118 ft lot
  • Features a unfinished basement, adding superb versatility for recreation, a home gym, or extra storage
  • Ample parking with 0.0 garage spaces (3.0 total parking spaces)
  • Notable attributes: Other
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

Step back in time and discover the charm and character of this inviting 3-bedroom, 1-bath home, nestled on a quiet street in a well-established neighbourhood. Filled with the warmth and appeal of yesteryear, this property offers a wonderful opportunity for those who appreciate the character of an older home and have the vision to make it their own. Ideally situated just one block from the historic Rideau Canal and beautiful Victoria Park, the location is truly something special. Imagine morning strolls along the canal, afternoons enjoying the park, and the convenience of having schools, downtown shops, restaurants, and everyday amenities all within easy walking distance. It's a lifestyle that combines the peaceful charm of a residential neighbourhood with the convenience of in-town living. Outside, the expansive rear yard is a rare and welcome feature, offering plenty of room to relax, garden, entertain, or simply enjoy the beauty and shade of the mature trees. Adding to the property's appeal is a barn that offers exciting possibilities for storage, a workshop, or a creative space for hobbies and projects. Whether you're looking to restore some of its original charm, add your own personal touches, or create a home that blends timeless appeal with modern comforts, the possibilities are yours to explore. A property with history, heart, and potential, waiting for someone with the vision to bring it to life. Discover the opportunity to create something truly special in a location where small-town charm and everyday convenience come together!

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Property Summary

This detached home located at 21 Elm Street, Smiths Falls is currently for sale and has been available for 1 day. This property is listed at $319,900 with an estimated mortgage of $1,065* per month. It has 3 beds, 1 bathroom, and is 1500-2000 square feet. 21 Elm Street, Smiths Falls is in the Smiths Falls neighborhood.

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* Estimated mortgage assumes a 30% down payment, 4.00% interest rate, and 30-year amortization.
Is this a Good Home for Families?

Yes! Featuring 3 bedrooms and 1 bathroom, this home offers ample space and comfort for growing families in Smiths Falls, Smiths Falls.

Highly Recommended for Families
What We Love About This Home
  • •3 spacious bedroom layout offering versatile living space
  • •1 well-appointed bathroom
  • •1500-2000 sqft of generous functional square footage
Standout Features & Layout
Who Should Buy This Home?

Families, couples, or downsizers looking for a well-proportioned home in Smiths Falls.

Target Buyer Match

Key Features

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

Additional Details

StatusActive
Price$319,900
AddedNov 13, 2026 (1 day ago)
UpdatedNov 13, 2026 (1 day ago)
Last Checked21 minutes ago
Transaction TypeFor Sale
List Office NameRE/MAX AFFILIATES MARQUIS

Property Details

Property Sub-TypeDetached
Architectural Style2-Storey
ConstructionBrick, Vinyl Siding
BasementUnfinished
Lot Size64 × 118 Feet
CountyLanark
Annual Tax$3,615
Rental ItemsHot Water Heater
Legal DescriptionPT LT 258 W/S BROCKVILLE ST BLK F PL 13884 LANARK S SOUTH ELMSLEY AS IN RS55120 ; TOWN OF SMITHS FALLS

Parking & Garage

Parking Total3.0
Parking Space3
Garage Parking0.0
Garage TypeNone

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

None listed

Interior Features

  • Other

Security Features

None listed

Community Features

None listed

Property History

No historical data available for this property.

This could be the first listing for this address.

Smiths Falls Home Buyer Advisory & Market HubActive MLS® Listing in Smiths Falls, Ontario

Looking to Buy a Home in Smiths Falls?

If you are looking for a house in Smiths Falls or researching Smiths Falls real estate for sale, this 3-bedroom detached at 21 Elm Street, Smiths Falls, ON offers an exceptional opportunity to buy a home in Smiths Falls, Ontario. Whether you are a first-time Smiths Falls home buyer or comparing active Smiths Falls MLS® homes for sale, working with a dedicated Smiths Falls buyer agent ensures you receive priority showing access, unrepresented buyer protection, and aggressive price negotiation.

Smiths Falls Homes for Sale & MLS® Listings

Browse all verified Smiths Falls real estate listings, compare active Smiths Falls houses for sale, and view brand new MLS® inventory before it hits the open market.

Dedicated Smiths Falls Buyer Agent

Under Ontario REBBA/TRESA regulations, the listing brokerage is legally bound to the seller's financial interests. Work with an experienced Smiths Falls realtor & real estate broker who represents you 100%—at zero cost to you as a buyer.

Smiths Falls Buyer Budget & Costs

Estimated mortgage: $1,065*/month*. Estimated Ontario Land Transfer Tax: $3,274. First-time Smiths Falls home buyers may qualify for up to $8,475 in rebates.

Frequently Asked Questions: Buying a Home in Smiths Falls

Frequently Asked Questions about 21 Elm Street, Smiths Falls, ON

Q.What is the asking price for 21 Elm Street, Smiths Falls, ON ?

The current listing price for 21 Elm Street, Smiths Falls, ON in Smiths Falls, Smiths Falls is $319,900.

Q.How many bedrooms and bathrooms does this property have?

This property features 3 bedrooms and 1 bathroom across approximately 1500-2000 sqft.

Q.What property type and architectural style is 21 Elm Street, Smiths Falls, ON ?

21 Elm Street, Smiths Falls, ON is a Detached (2-Storey) featuring a Unfinished basement.

Q.What interior features are included in this home?

Interior highlights include: Other.

Q.Is parking available at this property?

Yes, this property offers parking space for 3.0 vehicles (None).

Q.What heating and cooling systems are installed?

Heating is provided via Gas and cooling via Central Air.

Location

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21 Elm Street, Smiths Falls, ON

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Neighborhood Safety Index

Neighborhood Safety & Crime Analytics

Smiths Falls, Smiths Falls

SAFETY RATING9.4 / 10
Low Incident Area
Total Annual Incidents35 incidents / yr
Average Per Month2.9 incidents / mo
Population BenchmarkArea Average residents
Personal Safety
Very Low

8 assaults (30.0/100k)

Property Security
Very Low

8 B&E (30.0/100k)

Auto Theft Risk
Low Risk

10 thefts (35.0/100k)

1-Year Trend
▼ 6%

Improving vs previous year

How Per-Capita Rate (Per 100,000 Residents) Is Calculated:

Formula: (Annual Occurrences / Population) × 100,000. This standard policing calculation normalizes incident frequencies across different population sizes, allowing accurate safety comparisons between quiet residential pockets and dense urban centres.

Source: Official Police Services ArcGIS Open Data
Halton & GTA Police Network

Disclaimer: Crime and safety analytics are compiled from official municipal and regional police open data records for general consumer informational and demographic research purposes only. Data is deemed reliable but is not guaranteed and does not constitute a legal representation or guarantee of future safety.

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Pricing & Value Insights

Data-driven valuation for 21 Elm Street W, Smiths Falls, ON K7A 4G9

Estimated Sales Range
$304,000 - $314,000

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 Smiths Falls.

Configure Loan Settings

Interest Rate4.00%
Down Payment$95,970 (30.0%)
* Minimum Canadian down payment required for this price is $15,995.
Amortization Period30 Years
Estimated Monthly Payment$1,065Based on a loan of $223,930 over 30 years.
Purchase Price$319,900
Loan Amount$223,930
Provincial Land Transfer Tax:$3,274
Total Estimated Closing Taxes:$3,274

About Purchasing a Home in Smiths Falls, ON

For a property listed at $319,900 in Smiths Falls, the legal minimum down payment is $15,995 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 $3,274 for this transaction. As this listing is in Smiths Falls (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $3,274.

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Smiths Falls, Smiths Falls Neighborhood Guide

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

Verified Local Data
City Population2,794,356
City Median Age39.2 Yrs
City Ownership48% Owners
Avg Area List Price$496,912

People & Families

Age Distribution

Household Composition

One-person households
32%
Families with children
36%
Couples without children
24%
Other households
8%

Top Ethnic Origins

Chinese11%
English9%
Canadian8%
East Indian8%

Best Schools in Smiths Falls, Smiths Falls

Elementary Schools

Duncan J Schoular
Public41 McGill Street South, Smiths Falls, Ontario, K7A 3M9
2.6
St Francis de Sales
Public4 Ross Street, Smiths Falls, Ontario, K7A 4L5
2.9
Chimo
Public11 Ross Street, Smiths Falls, Ontario, K7A 4V7
3.7

Secondary Schools

St. Luke Catholic
Catholic5 Catherine Street, Smiths Falls, Ontario, K7A 3Z9
0.9
Smiths Falls
Public10 Ontario Street, Smiths Falls, Ontario, K7A 4P9
3.7

Smiths Falls, Smiths Falls Demographic Home information

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied48%
Rented52%

Need more details or a custom CMA?

Generate a full market evaluation or explore city guides using the sidebar links.

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.

MLS® Active
$319,900

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