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310-3100 Steeles Ave W, Vaughan, ON, L4K 3R1
905-553-8500info@summitly.ca

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Listing data is provided by the Toronto Regional Real Estate Board (TRREB) via PropTx and is deemed reliable but not guaranteed. Coldwell Banker Summit Realty, Brokerage — an independently owned and operated Coldwell Banker franchise.

REALTOR® Disclosure▾

For listings in Canada, the trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by The Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. The trademarks MLS®, Multiple Listing Service® and the associated logos are owned by CREA and identify the quality of services provided by real estate professionals who are members of CREA. Used under license.

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    For sale On market 71 daysPrice drop · $150,100 off (-15.8%)

    109 Charlotte Street

    Merrickville·Merrickville-Wolford, ON·K0G 1N0·Near Main St E and Charlotte

    • 4 beds
    Merrickville-Wolford real estate›X13058654
    • Overview
    • History
    • Details
    • Location
    • Mortgage
    • Investment
    • Comparables
    • FAQ
    Open house & tour

    3 upcoming open houses

    Drop in during an open house, or tour online — no appointment needed.

    • Open house
      Date TBD
      Time TBD
    • Open house
      Date TBD
      Time TBD
    • Open house
      Date TBD
      Time TBD
    Overview

    What this listing tells us

    Property description

    Looking for a workshop? Welcome to beautiful Merrickville, where lifestyle and functionality come together in this unique live-work property. Ideal for buyers seeking exceptional workspace, this property features a standout two-storey outbuilding constructed with durable ICF. The main level offers a fully equipped shop with in-floor radiant gas heating, making it perfect for trades, hobbyists, or small business use. The second level is currently configured as office space but can be easily converted into a separate residential unit, offering excellent potential for rental income or multigenerational living. The well-appointed home offers 9-foot ceilings and a bright open-concept design, seamlessly connecting the kitchen and family room. A recent kitchen update showcases granite countertops and modern finishes, while a gas fireplace adds warmth and comfort to the main living space. The second level features four spacious bedrooms, all with maple flooring, complemented by maple handrails and quality craftsmanship throughout. The home includes 2.5 bathrooms and is equipped with in-floor radiant gas heating, gas hot water, and a heat recovery ventilator for year-round efficiency and comfort. Copper plumbing and thoughtful upgrades further enhance the home's appeal. Serviced by municipal water and sewer, this property offers the perfect balance of small-town charm and modern convenience-all within the highly desirable Merrickville community.

    Cleaned for readability — original MLS® text was lightly de-abbreviated and decapitalized.

    History

    Listing, price, and tax history

    Every previous listing of this property, every list-price change, and 5 years of estimated annual property tax — switch tabs to drill in.

    DateEventStatusPriceChangeMLS®View
    Jul 12, 2026Price reducedCurrentReduced$799,900−$150,100 (15.8%)X13058654This page
    Apr 28, 2026ListedCurrentFor sale$950,000 —X13058654This page
    Sourced from MLS® · includes all previous listings of this property · tap View to open the archived listing in a new tab
    Property details

    Inside this property

    Systems, finishes, room dimensions, and building information — pulled from the full MLS® feed.

    Features & systems

    Heating, cooling, parking, exterior, lot, possession, and more.

    • Systems

      5
      Heating
      Heat Pump
      Air conditioning
      Central Air
      Fireplaces
      1
      Water source
    Location & lifestyle

    Getting around, schools & the block

    Walkability and transit, the nearest schools, an interactive map of the exact spot, and what's nearby.

    📍 109 Charlotte Street
    Financials

    The money — monthly cost, mortgage & return

    Everything financial in one place: what you'd pay each month, a live mortgage calculator at the asking price, and what it could return as a rental.

    Cost of ownership

    A monthly snapshot at typical assumptions — personalize the mortgage just below.

    Est. monthly mortgage
    $3,930
    20% down · 25y · 5.50% — adjust below ↓
    Est. monthly property tax
    $374
    0.56% mill rate · ON
    The market

    How this home sits in the Merrickville-Wolford market

    Live neighbourhood stats, the closed sales you'd negotiate against, and comparable active listings.

    The Merrickville-Wolford market right now

    Average sold price, days on market, and closed-transaction count for Merrickville-Wolford — sourced from MLS®.

    • Avg sold price
      $502,095
      Last 30 days
    • Median sold price
      $421,500
      Middle of the market
    • Days on market
      51 d
      Avg from list to close
    • Closed last 30d
      20
      MLS® transactions
    Full Merrickville-Wolford market report
    Buy with Coldwell Banker Summit Realty

    We'll get you into 109 Charlotte Street — the seller pays our commission

    On every MLS® listing in Canada, the seller's brokerage pays a cooperating commission to whoever brings the buyer. Buyer representation is free to you.

    Free buyer representation · Coldwell Banker® affiliate

    $0 to you. The seller pays our fee.

    On every MLS® listing in Canada, the seller's brokerage advertises a cooperating commission for the buyer's agent. A Coldwell Banker Summit Realty agent represents you — you owe us nothing.

    Call now
    Due diligence

    Property flags & disclosures

    An automated scan of public records and news for anything a buyer should know about this specific address — liens, outstanding work orders, or stigma-related history. We never invent flags.

    Nothing concerning surfaced — all clear.

    We scanned public records and news for liens, outstanding work orders, and stigma-related history (e.g. a former grow-op or fire) at 109 Charlotte Street and found nothing flagged. We re-check automatically as new records publish.

    Frequently asked

    Common questions about this property

    Tap a question to expand the answer. Short, direct answers tuned for AI search and voice assistants.

    • How much is 109 Charlotte Street listed for?

      109 Charlotte Street is listed at $799,900 on the MLS® (listing X13058654). The price refreshes on Summitly within minutes of any MLS® change.

    • How many bedrooms, bathrooms, and square feet does 109 Charlotte Street have?

    Coldwell Banker Summit Realty is a RECO-licensed Ontario real estate brokerage, independently owned and operated. Mortgage financing is arranged through Mortgage Squad Advisors. Summitly is the technology platform that powers this site. Listing data is sourced from MLS® and is provided for informational purposes only — not guaranteed accurate by the MLS® or its members. The trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by the Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. The Coldwell Banker® name and logo are trademarks of Coldwell Banker Real Estate LLC.

  1. 3 baths
  2. 2000-2500 sqft
  3. Detached
  4. Built 16-30
  5. Asking
    $799,900
    $0 / sqft · MLS® X13058654
    Chat Zara
  6. Zara AI Estimate
    Live · refreshes nightly
    Estimated value
    $592,472
    $545,074Confidence range$639,870
    Asking vs estimate
    ↑↑well-above
    +$207,428
    (+35.0%)
    Asking is well above
    Run the affordability numbers

    Based on the city's average sold price, adjusted for 4 bedrooms (no sqft on file).

    Market analytics

    Homes like this in Merrickville-Wolford sell in about 51 days — this one has been listed 71 days.

    Avg sold price
    $502,095
    Median sold
    $421,500
    Avg days on market
    51
    Recently sold
    20
    See comparable sales
    Walk through online
    Listing agent has provided a interactive tour
    Open virtual tour
    AI highlights by Zara
    • Ideal for buyers seeking exceptional workspace, this property features a standout two-storey outbuilding constructed with durable ICF.
    • The second level is currently configured as office space but can be easily converted into a separate residential unit, offering excellent potential for rental income or multigenerational living.
    • The well-appointed home offers 9-foot ceilings and a bright open-concept design, seamlessly connecting the kitchen and family room.
    • A recent kitchen update showcases granite countertops and modern finishes, while a gas fireplace adds warmth and comfort to the main living space.
    Ask Zara a follow-up
    Municipal
    Sewer
    Sewer
  7. Parking & garage

    4
    Garage
    Other
    Garage spaces
    4
    Parking spaces
    10
    Driveway
    Private, Lane, Front Yard Parking, Inside Entry
  8. Interior

    7
    Basement
    None
    Family room
    Y
    Kitchens
    1
    Total rooms
    7
    Laundry level
    Main Level
    Elevator
    N
    Accessibility
    N
  9. Exterior & construction

    4
    Exterior
    Vinyl Siding
    Roof
    Asphalt Shingle
    Foundation
    Poured Concrete
    Pool
    None
  10. Lot & land

    2
    Year built
    16-30
    Zoning
    Residential
  11. Listing & possession

    3
    Occupancy
    To be determined
    Property style
    2-Storey
    Property class
    Detached
  12. Room-by-room · 11 rooms

    Every room with its dimensions, level, and notable features.

    Room dimensions

    Main level

    7 rooms
    • Family Room
      12.0 × 13.2 ft
    • Foyer
      7.3 × 6.4 ft
    • Powder Room
      4.9 × 5.4 ft
    • Living Room
      12.0 × 16.6 ft
    • Dining Room
      10.8 × 12.5 ft
    • Kitchen
      12.9 × 21.3 ft
    • Laundry
      12.6 × 11.0 ft

    Second level

    4 rooms
    • Bedroom 2
      11.7 × 10.1 ft
    • Bedroom 4
      11.5 × 10.2 ft
    • Bedroom 3
      11.9 × 10.3 ft
    • Primary Bedroom
      13.0 × 16.5 ft
    Combined estimate
    $4,304
    Mortgage + tax · before condo / insurance

    Mortgage & affordability

    Today's best Canadian rates from Mortgage Squad, then a live calculator — adjust down payment, amortization, and rate, and email yourself the report.

    Today's rates · Powered by Mortgage Squad
    350+ lender access · Best rate matched in 2 min
    Lock my rate
    • Best
      5-yr Fixed · Insured
      4.09%
      0.40% below banks
    • 5-yr Fixed · Conventional
      4.34%
      APR · OAC
    • 3-yr Fixed · Conventional
      4.49%
      APR · OAC
    • 5-yr Variable · Variable
      4.85%
      APR · OAC
    Rates indicative · Updated today · OAC, subject to underwritingSee all Mortgage Squad rates →
    Affordability calculator
    Estimated monthly payment
    $3,930
    /mo
    based on the purchase price of $799,900
    $159,980 cash
    $639,920 financed
    $538,981 total interest
    Monthly payment$3,930/ month
    Principal54%$639,920
    Interest46%$538,981

    20% down · 25-yr amortization · 5.50% rate. Principal & interest only — taxes, condo fees, and insurance not included.

    Email this mortgage report to yourself

    Save the full affordability breakdown — down payment, monthly, interest paid, and today's Mortgage Squad rate — in your inbox. Create a free Summitly account to save it, get rate-drop alerts, and build a shortlist.

    Create account & email meor send as guest
    Get pre-approved in minutes

    Know exactly what you can afford — a no-obligation pre-approval from Mortgage Squad.

    Get pre-approved

    Rental income & return

    What this home could rent for and the return at the asking price — an AI estimate against real property tax and condo fees.

    Est. monthly rent
    low–high
    Gross yield
    rent × 12 ÷ price
    Cap rate (est.)
    net of tax + fees

    AI estimate for discussion only — not an appraisal or investment advice. Yield and cap rate are derived from the estimated rent versus the asking price and real property tax.

    Comparable detacheds that just sold in Merrickville-Wolford

    Swipe the closed sales, then use the table for a side-by-side $/sqft comparison against this home.

    • 206 Weedmark Road
      Sold
      Sign in for price
      206 Weedmark Road
      Detached
    • 227 Ireland Road
      Sold
      Sign in for price
      227 Ireland Road
      Detached
    • 318 Main Street
      Sold
      Sign in for price
      318 Main Street
      Detached
    • 520 Wolford Centre Road
      Sold
      Sign in for price
      520 Wolford Centre Road
      Detached
    • 123 Charlotte Street
      Sold
      Sign in for price
      123 Charlotte Street
      Detached
    AddressBd / BaSqftSold$/sqft% of askSold
    109 Charlotte StreetThis home4 / 320,002,500$799,900ask———
    206 Weedmark Road3 / 1700—
    227 Ireland Road3 / 2700—
    Sold prices are hidden under TRREB rules. Sign in to reveal them.

    More detacheds in Merrickville-Wolford

    Active listings within ±20% of this asking price.

    • 485 PIONEER Road
      $749,900
      485 PIONEER Road
      Detached 4 3
    • 475 PIONEER Road
      $789,000
      475 PIONEER Road
      Detached 3 2
    • 465 Pioneer Road
      $839,000
      465 Pioneer Road
      Detached 3 2
    • LT 3 ARMSTRONG Road
      $769,000
      LT 3 ARMSTRONG Road
      Detached 3 2
    • LT 2 ARMSTRONG Road
      $769,000
      LT 2 ARMSTRONG Road
      Detached 3 2
    • 118 Brock Street
      $679,900
      118 Brock Street
      Detached 3 2
    AI-first listing data

    Zara's valuation, full price history, room insights, and live MLS® refresh — all in one feed. No more comparing 4 sites.

  13. One team, no handoffs

    Your realtor, mortgage broker, and offer-night closing team work side-by-side. One conversation, not three.

  14. Showings on YOUR schedule

    Same-day showings for shortlisted homes, evenings + weekends. Your Coldwell Banker Summit Realty agent coordinates with the listing brokerage.

  15. Mortgage that closes

    Pre-approval, rate hold, and 350+ lender access via Mortgage Squad Advisors — no juggling lender chats yourself.

  16. Public listing courtesy of HOMELIFE/DLK REAL ESTATE LTD · displayed on Summitly per MLS® data-share rules

    109 Charlotte Street is a 4-bedroom, 3-bath, 2000-2500 sqft. Full room dimensions and floor breakdown are in the 'Rooms' section of this page.

  17. When was 109 Charlotte Street built?

    109 Charlotte Street was built in 16-30. Construction style, foundation, roof material, and EnerGuide rating (when published) are in the 'Features' section above.

  18. What is the property tax for 109 Charlotte Street?

    The 'Property tax' tab in the History section shows the most recent annual tax for 109 Charlotte Street plus a 5-year breakdown with YoY % change. Monthly equivalent is shown alongside.

  19. How much would the monthly mortgage be on 109 Charlotte Street?

    The affordability calculator on this page shows an estimated monthly mortgage for $799,900 at 20% down, 25-year amortization, and 5.5% rate. Adjust the sliders to model your own down payment and rate.

  20. Has 109 Charlotte Street been sold before?

    The 'Listing history' tab above lists every previous MLS® listing of 109 Charlotte Street with its list date, sold price (when sold), and final status. Each row is colour-coded with price-change arrows.

  21. What neighbourhood is 109 Charlotte Street in?

    109 Charlotte Street is in Merrickville, Merrickville-Wolford. The 'Neighbourhood' section below links to the live Merrickville-Wolford real estate hub with average sold price, days on market, and current inventory.

  22. Is Merrickville-Wolford a good place to live?

    Merrickville-Wolford is one of ON's actively-tracked Summitly markets. The full Merrickville-Wolford real estate hub covers live average sold price, days on market, and neighbourhood-level inventory.

  23. 318 Main Street
    3 / 2
    1,100
    —
    520 Wolford Centre Road3 / 32,500—
    123 Charlotte Street3 / 21,500—