DetachedOn market 50 days

12 Fifth St, Smiths Falls

Name: 12 Fifth Street
SKU: X13795386
Price: 399900 CAD
Availability: InStock

Smiths Falls, ON · · MLS® X13795386Updated October 29, 2026

$399,900Est. $1,965/mo mortgage

Bedrooms: 3
Bathrooms: 1
Living space: 1100–1500sq ft
Parking spaces: 3

Type Detached
Garage Yes
Basement Unfinished

What you should know

12 Fifth St is a 3-bedroom, 1-bathroom detached home in Smiths Falls, listed for $399,900. It has 1100-1500 sq ft of living space.

Motivated Seller and this home is charming and move-in ready, this 3-bedroom bungalow sits on a generous lot in Smiths Falls.
Thoughtfully maintained and tastefully updated, this is truly a move-in ready home.The backyard is where this property truly shines.
A sparkling in-ground pool takes centre stage, surrounded by a spacious patio and a brand new deck which is just perfect for entertaining, lounging in the sun, or winding down on warm summer evenings.

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3 Bed, 1 Bath Detached Home in Smiths Falls

About 12 Fifth Street

Motivated Seller and this home is charming and move-in ready, this 3-bedroom bungalow sits on a generous lot in Smiths Falls. Just a short walk to downtown and minutes from the iconic Rideau Waterway lock system.First impressions count, and this home delivers. Brand new siding and trim give the exterior a crisp, fresh look, while exterior rigid foam insulation beneath adds a layer of energy efficiency you won't find in most homes. Several windows have also been replaced, letting in beautiful natural light while keeping heating and cooling costs in check. The result is a home that looks sharp, performs better, and costs less to maintain.Inside, the updates continue with new flooring throughout, a refreshed kitchen, a new hot water tank, and freshly painted walls create a bright, welcoming feel from the moment you walk in. Thoughtfully maintained and tastefully updated, this is truly a move-in ready home.The backyard is where this property truly shines. A sparkling in-ground pool takes centre stage, surrounded by a spacious patio and a brand new deck which is just perfect for entertaining, lounging in the sun, or winding down on warm summer evenings. The generous lot offers plenty of room for kids, pets, and garden lovers alike, making it as functional as it is beautiful.Stylish, efficient, and exceptionally located. Taxes are estimated.

3 bedrooms, 1 bathroom, about 1,100 sq ft, works out to roughly $364 per square foot. Chat with Zara if you'd like a deeper read on whether this detached fits your budget and timing.

Inside 12 Fifth St

Every detail from the listing, in one place.

Type: Detached
Style: 1 1/2 Storey
Living space: 1100-1500 sq ftas stated on the listing
Parking: 3 spacesYes garage
Basement: Unfinished

Features & systems

Parking & garage

Garage: Yes
Parking spaces: 3

Interior

Basement: Unfinished

Exterior & construction

Pool: Yes

Lot & land

Lot size (sqft): 0

Listing & possession

Property style: 1 1/2 Storey
Property class: Detached

12 Fifth St Price & Sale History

Earlier listings of this property, list-price changes, and the most recent annual property tax on the listing.

Sep 17, 2026For saleListedThis listingMLS® X13795386$399,900

Sourced from MLS®. Includes earlier listings of this property on record.

What's it worth?

How 12 Fifth St Compares to the Smiths Falls Market

Zara compares it with recent sales of similar homes nearby. It's a guide, not an appraisal.

Zara’s estimate

Fair Price· based on 109 recent sales

Value your own home →How accurate are Zara’s estimates?

Summitly estimate, not from TRREB, the MLS® or the listing brokerage. Not an appraisal. How it works

Smiths Falls market, last 90 days

Median sold price: $370,000
Average sold price: $368,947
Average days on market: 54
Homes sold: 59

Closed sales on the TRREB MLS®.

Full Smiths Falls market report

Recently sold nearby in Smiths Falls

Sold prices are shown free to signed-in members, as board rules require.

6 nearby sales vs. this home

Closed sales from MLS®, compared with this home's asking price.

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Home	Sold price	$ / sqft	% of asking	Sold
This home12 Fifth Street 3 bd · 1 ba · 1,100 sqft	$399,900asking	$364	—	—
287 Wood Avenue 2 bd · 2 ba · 1,100 sqft
120 Queen Street 2 bd · 1 ba · 700 sqft
3 McKenzie Avenue 2 bd · 1 ba · 700 sqft
56 MARSHA Drive 3 bd · 1 ba · 700 sqft
19 Churchill Crescent 3 bd · 1 ba · 700 sqft
23 Strathcona Street 4 bd · 2 ba · 1,500 sqft

287 Wood Avenue
2 bd · 2 ba · 1,100 sqft
120 Queen Street
2 bd · 1 ba · 700 sqft
3 McKenzie Avenue
2 bd · 1 ba · 700 sqft
56 MARSHA Drive
3 bd · 1 ba · 700 sqft
19 Churchill Crescent
3 bd · 1 ba · 700 sqft
23 Strathcona Street
4 bd · 2 ba · 1,500 sqft

Living in Smiths Falls: Location & Amenities

Transit, schools, parks and everyday places near this home. Select any place to open it on Google Maps.

Costs, Mortgage & Rental Return for 12 Fifth St

What it could cost each month, today's rates from our mortgage partner, and what it could return as a rental.

Mortgage: $1,965; 20% down · 25 years · 5.5% assumed
Property tax: $220; 0.66% mill rate · ON
Total per month: $2,185; Before utilities, insurance and fees

Figures are Summitly estimates for illustration only — not from TRREB or the MLS® feed, and not a mortgage approval, appraisal, or financial advice.

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Monthly cost

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Down payment

Rate (%)

Years

An estimate, not a quote. Utilities and insurance are extra.

Affordability calculator

Estimated monthly payment

$1,965

/mo

based on the purchase price of $399,900

Down payment20%

$79,980 cash

Amortization25 yr

$319,920 financed

Rate5.50%

$269,457 total interest

Principal54%$319,920

Interest46%$269,457

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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Listing brokerage: RE/MAX FRONTLINE REALTY, BrokerageMLS® X13795386 · Listing data last updated October 29, 2026

Listing data comes from the Toronto Regional Real Estate Board (TRREB) and is deemed reliable but not guaranteed. Shown on Summitly by Coldwell Banker Summit Realty, Brokerage, which is not the listing brokerage. The information provided herein must only be used by consumers that have a bona fide interest in the purchase, sale, or lease of real estate and may not be used for any commercial purpose or any other purpose. © 2026 Toronto Regional Real Estate Board. All rights reserved.

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.

For sale· listed Sep 16· $364/sq ft

Estimated monthly mortgage$1,965/moMortgage only · 20% down · 5.5% assumed

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5.0 · Google rating for Coldwell Banker Summit Realty, Brokerage · as of September 2026

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