4 Pearl Street, Unit UNIT "O", Smiths Falls, ON

$269,000
MLS#:X13886086
3 beds
1 baths
1400-1599 sqft
1.0 parking
Residential Condo & Other
Residential Condo & Other for sale - 3 Bed, 1 Bath Home at 4 Pearl Street Smiths Falls ON listed at $269,000 (MLS# X13886086) - Main View
For Sale
Added:Oct 11, 2026(today)
Updated:Oct 11, 2026(today)
Last Checked:25 minutes ago

Property Highlights

Welcome to this remarkable Multi-Level condo townhouse located in the coveted neighborhood of Smiths Falls. Expertly crafted featuring premium brick and aluminum siding construction, this residence presents an exceptional opportunity offered at $269,000 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.

  • 3 Bedrooms and 1 Bathroom
  • Generous living space spanning 1400-1599 sqft
  • Ample parking with 0.0 garage spaces (1.0 total parking spaces)
  • Notable attributes: Water Heater Owned
  • Efficient baseboard heating via electric

Description

AN INCREDIBLE & SPACIOUS 4-LEVEL END-UNIT CONDO TOWNHOME IN THE HEART OF SMITHS FALLS! Welcome to this affordable and uniquely designed 4-level end-unit townhome, offering an incredible amount of living space, versatility, and convenience! Ideally situated directly behind Settler's Ridge Mall in Smiths Falls, this property puts shopping, restaurants, and everyday amenities just moments from your doorstep. Step inside to discover a bright and inviting main level featuring carpet-free living with laminate and ceramic flooring, a comfortable living and dining area, and a functional kitchen perfect for everyday living and entertaining. The second level offers two generously sized bedrooms and a full 4-piece bathroom, while the third level features a spacious primary bedroom and the added convenience of a separate laundry room.But there's more! Head up to the fourth-level loft, an impressive and versatile space with endless possibilities! Whether you envision a cozy family room, home office, kids' playroom, entertainment retreat, or potential fourth bedroom, this bonus level provides the flexibility to suit your lifestyle. Outside, enjoy your own patio overlooking green space, the perfect spot to relax with your morning coffee or unwind after a busy day.Adding even more value, the condo fees include building insurance, common area maintenance, property management, water, sewer and parking, making for convenient, low-maintenance living. Whether you're a first-time buyer, growing family, downsizer, or investor looking for an affordable opportunity, this unique property has so much to offer! Four levels of living space, a fantastic location, and exceptional value, all in one incredible package! QUICK POSSESSION AVAILABLE!

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Property Summary

This townhouse located at 4 Pearl Street, Smiths Falls is currently for sale and has been available for 0 days. This property is listed at $269,000 with an estimated mortgage of $895* per month. It has 3 beds, 1 bathroom, and is 1400-1599 square feet. 4 Pearl 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
  • •1400-1599 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
Bathrooms
1
Kitchens
1
Living Area
1400-1599 sqft
Property Type
Residential Condo & Other

Additional Details

StatusActive
Price$269,000
Maintenance Fee$462.69/mo
AddedOct 11, 2026 (today)
UpdatedOct 11, 2026 (today)
Last Checked25 minutes ago
Transaction TypeFor Sale
List Office NameCENTURY 21 SYNERGY REALTY INC.

Property Details

Property Sub-TypeCondo Townhouse
Architectural StyleMulti-Level
ConstructionBrick, Aluminum Siding
BasementNone
CountyLanark
Annual Tax$1,939
Rental ItemsNone

Parking & Garage

Parking Total1.0
Parking Space1
Garage Parking0.0
Garage TypeNone

Heating & Cooling

Heat SourceElectric
Heat TypeBaseboard
CoolingNone

Features

Property Features

None listed

Interior Features

  • Water Heater Owned

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 condo apartment at 4 Pearl Street, Unit UNIT "O", 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

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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: $895*/month*. Estimated Ontario Land Transfer Tax: $2,510. 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 4 Pearl Street, Unit UNIT "O", Smiths Falls, ON

Q.What is the asking price for 4 Pearl Street, Unit UNIT "O", Smiths Falls, ON ?

The current listing price for 4 Pearl Street, Unit UNIT "O", Smiths Falls, ON in Smiths Falls, Smiths Falls is $269,000.

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

This property features 3 bedrooms and 1 bathroom across approximately 1400-1599 sqft.

Q.What property type and architectural style is 4 Pearl Street, Unit UNIT "O", Smiths Falls, ON ?

4 Pearl Street, Unit UNIT "O", Smiths Falls, ON is a Condo Townhouse (Multi-Level) featuring a None basement.

Q.What interior features are included in this home?

Interior highlights include: Water Heater Owned.

Q.Is parking available at this property?

Yes, this property offers parking space for 1.0 vehicle (None).

Q.What heating and cooling systems are installed?

Heating is provided via Electric and cooling via None.

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Location

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4 Pearl Street, Unit UNIT "O", 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
â–Ľ 6%

Improving vs previous year

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

Formula: (Annual Occurrences / Population) Ă— 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 4 Pearl Street UNIT "O", Smiths Falls, ON K7A 5B5

Estimated Sales Range
$256,000 - $264,000

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.

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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$80,700 (30.0%)
* Minimum Canadian down payment required for this price is $13,450.
Amortization Period30 Years
Estimated Monthly Payment$895Based on a loan of $188,300 over 30 years.
Purchase Price$269,000
Loan Amount$188,300
Provincial Land Transfer Tax:$2,510
Total Estimated Closing Taxes:$2,510

About Purchasing a Home in Smiths Falls, ON

For a property listed at $269,000 in Smiths Falls, the legal minimum down payment is $13,450 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 $2,510 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 $2,510.

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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.

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