109 Ontario St is a 2-bedroom, 1-bathroom detached home in Thunder Bay, listed for $299,900. It has < 700 sq ft of living space.
1CHARM, CHARACTER & Modern comfort - just move in & enjoy!
2Ideal for first-time buyers, young couples, growing families or retirees who aren't quite ready to give up their beloved perennial gardens!
3An abundance of updated windows fills the home with natural sunlight, while the fully finished lower level offers a comfortable rec room and spacious third bedroom.
CHARM, CHARACTER & Modern comfort - just move in & enjoy! Welcome to this beautifully updated 2+1 bedroom dollhouse, perfectly situated in a trendy neighbourhood just minutes from the north side's vibrant restaurant and cultural district, Lakehead University, the Law School and the Hospital! Ideal for first-time buyers, young couples, growing families or retirees who aren't quite ready to give up their beloved perennial gardens! This charming home offers the perfect blend of original character and modern updates, featuring gorgeous hardwood flooring, an updated bathroom with a deep soaker tub, a delightful galley-style kitchen with a custom-built live edge breakfast bar and a cozy living room highlighted by a crystal electric fireplace with a custom-made mantel. An abundance of updated windows fills the home with natural sunlight, while the fully finished lower level offers a comfortable rec room and spacious third bedroom. Step outside onto the huge backyard deck overlooking an expansive, beautifully treed, fully fenced and private backyard - a gardener's delight with plenty of room for perennial gardens, outdoor entertaining and relaxing evenings around the firepit! Additional features include a garden/tool shed, car shelter and an impressive four-car off-street parking area. Shingles replaced in 2009, high-efficiency furnace and central air installed in 2016, and appliances are included. All the work has been done - simply move in, unpack and start enjoying your new home!
2 bedrooms, 1 bathroom, about 700 sq ft, works out to roughly $428 per square foot. Chat with Zara if you'd like a deeper read on whether this detached fits your budget and timing.
Inside 109 Ontario St
Every detail from the listing, in one place.
Type
Detached
Style
Bungalow
Living space
< 700 sq ftas stated on the listing
Parking
4 spaces
Basement
Full, Finished
Features & systems
Parking & garage
Parking spaces
4
Interior
Basement
Full · Finished
Lot & land
Lot size (sqft)
0
Listing & possession
Property style
Bungalow
Property class
Detached
109 Ontario St Price & Sale History
Earlier listings of this property, list-price changes, and the most recent annual property tax on the listing.
For saleListedThis listingMLS® X14143562$299,900
Sourced from MLS®. Includes earlier listings of this property on record.
What's it worth?
How 109 Ontario St Compares to the Thunder Bay Market
Zara compares it with recent sales of similar homes nearby. It's a guide, not an appraisal.
Independent mortgage broker · OAC · rates subject to change and underwritingMortgage Squad →
Referral disclosure: Summitly may refer you to Mortgage Squad Advisors, an affiliated mortgage partner. You are free to choose any lender or mortgage professional.
Monthly cost
Enter a rate to see the monthly cost
An estimate, not a quote. Utilities and insurance are extra.
Affordability calculator
Estimated monthly payment
$1,473
/mo
based on the purchase price of $299,900
$59,980 cash
$239,920 financed
$202,076 total interest
Principal54%$239,920
Interest46%$202,076
20% down · 25-yr amortization · 5.50% rate. Principal & interest only — taxes, condo fees, and insurance not included.
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Figures are Summitly estimates for illustration only — not from TRREB or the MLS® feed, and not a mortgage approval, appraisal, or financial advice.
Rental income potential
Est. monthly rent
low–high
Gross yield
rent × 12 ÷ price
Cap rate (est.)
net of tax + fees
Summitly AI estimate for discussion only — not from TRREB or the MLS® feed, and not an appraisal or investment advice. Yield and cap rate are derived from the estimated rent versus the asking price.
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Mortgage financing is arranged through Mortgage Squad Advisors. Summitly is the technology platform that powers this site. Estimated values, AI insights, calculator results, and rental projections shown on this page are generated by Summitly and are not provided by, reviewed by, or sourced from TRREB, the MLS®, or the listing brokerage; they are not appraisals or opinions of value. 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.
Similar homes for sale nearby in Thunder Bay
Other 2–4 bed homes for sale in Thunder Bay around $300K.
Average days on market26Homes sold in about 26 days on average.
Sale-to-list ratio105.9%On average, homes sold at or above asking.
Active listings178Homes for sale here right now.
Median vs prior 90 days−4.1%Compared with May 7 – Aug 5, 2026: prices down.
Based on 496 sales from Aug 5 – Nov 3, 2026 (324 in the prior 90 days). Aggregate MLS® figures for closed sales; individual sold prices are shown only to signed-in members.
Questions About 109 Ontario St
How much is 109 Ontario St listed for?
109 Ontario St is listed at $299,900 (MLS® X14143562). Summitly updates the price as soon as the MLS® record changes.
Is $299,900 a good price for 109 Ontario St?
Summitly rates it Good Deal: the asking price is 3% to 10% below Zara's estimate, an estimate built from recent sales in Thunder Bay. The rating is an automated opinion, not an appraisal; "What's it worth?" on this page shows how it is worked out. See Zara's estimate
Has the price of 109 Ontario St changed?
No — 109 Ontario St is still listed at its original asking price of $299,900.
How many bedrooms and bathrooms does 109 Ontario St have?
109 Ontario St has 2 bedrooms and 1 bathroom, with about 700 square feet of living space. It is a detached home in Thunder Bay.
How much would the monthly mortgage be on 109 Ontario St?
About $1,473 a month — principal and interest on $299,900 with 20% down ($59,980), a 25-year amortization and an assumed 5.5% interest rate. The mortgage calculator on this page lets you change the down payment, amortization and rate.
How does 109 Ontario St compare with other homes in Thunder Bay?
Its asking price of $299,900 is about 25% below the median sold price in Thunder Bay over the last 90 days, $402,000, across 496 closed sales on the TRREB MLS®. A city median mixes every type and size of home, so the comparable sales on this page are the closer guide.
Has 109 Ontario St been sold before?
Summitly has no earlier MLS® sale or lease of 109 Ontario St on record from the last two years. Older records aren't shown under TRREB rules.
Where is 109 Ontario St?
109 Ontario St is in Thunder Bay, ON. Schools, transit, parks and shops nearby are under Location & lifestyle on this page.
How long has 109 Ontario St been on the market?
109 Ontario St was listed today (November 3, 2026).
What is the price per square foot of 109 Ontario St?
About $428 per square foot: the asking price of $299,900 over the 700 sq ft the listing gives.
Does 109 Ontario St have parking or a garage?
Yes — the listing gives 4 parking spaces.
Does 109 Ontario St have a basement, and is it finished?
The listing describes the basement as: Full, Finished.
