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310-3100 Steeles Ave W, Vaughan, ON, L4K 3R1
1-333-345-6868info@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 Listed 4 days ago

    12 Florence Street

    Smiths Falls·Smiths Falls, ON·K7A 4A3·Near Brockville Street & Broadview East

    • 3 beds
    Smiths Falls real estate›X13442320
    • 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

    Welcome to this classic brick bungalow in the heart of Smiths Falls - the kind of home that just feels right the moment you walk in. Stylishly updated and meticulously cared for, it delivers the perfect blend of charm, function, and flexibility for families, professionals, or downsizers who still want space to spread out. The bright main level offers three bedrooms, an updated kitchen designed for everyday ease, and a refreshed full bathroom. Engineered hardwood flooring adds warmth and character, while oversized windows flood the living spaces with natural light. It's comfortable, welcoming, and completely move-in ready. Downstairs, the finished lower level brings the bonus space everyone wants. A spacious family room with a cozy gas fireplace sets the scene for movie nights and relaxed evenings. The den or office could easily serve as an additional bedroom, giving you flexibility for guests or growing needs, complemented by a full bathroom and excellent storage. Durable vinyl flooring keeps the space practical and polished. Out back, the rear deck is ready for summer evenings and weekend barbecues, all set within a walkable neighbourhood close to shopping, parks, and the water. A home with heart, flexibility, and lasting value - ready for its next chapter.

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

    AI highlights by Zara
    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
    Jun 13, 2026ListedCurrentFor sale$529,900 —X13442320This page
    Feb 11, 2026Previously listedTer$529,900 —X12781810View
    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

      4
      Heating
      Forced Air
      Air conditioning
      Central Air
      Water source
      Municipal
      Sewer
    Location & lifestyle

    Getting around, schools & the block

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

    📍 12 Florence 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
    $2,603
    20% down · 25y · 5.50% — adjust below ↓
    Est. monthly property tax
    $308
    0.70% mill rate · ON
    The market

    How this home sits in the Smiths Falls market

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

    The Smiths Falls market right now

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

    • Avg sold price
      $435,902
      Last 30 days
    • Median sold price
      $436,250
      Middle of the market
    • Days on market
      59 d
      Avg from list to close
    • Closed last 30d
      70
      MLS® transactions
    Full Smiths Falls market report
    Buy with Coldwell Banker Summit Realty

    We'll get you into 12 Florence 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 12 Florence 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 12 Florence Street listed for?

      12 Florence Street is listed at $529,900 on the MLS® (listing X13442320). The price refreshes on Summitly within minutes of any MLS® change.

    • How many bedrooms, bathrooms, and square feet does 12 Florence 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. 2 baths
  2. 1100-1500 sqft
  3. Detached
  4. Asking
    $529,900
    $0 / sqft · MLS® X13442320
    Chat Zara
  5. Zara AI Estimate
    Live · refreshes nightly
    Estimated value
    $435,902
    $401,030Confidence range$470,774
    Asking vs estimate
    ↑↑well-above
    +$93,998
    (+21.6%)
    Asking is well above
    Run the affordability numbers

    Based on the city's average sold price, adjusted for 3 bedrooms (no sqft on file).

    Market analytics

    Homes like this in Smiths Falls sell in about 59 days — this one has been listed 4 days.

    Avg sold price
    $435,902
    Median sold
    $436,250
    Avg days on market
    59
    Recently sold
    70
    See comparable sales
    Walk through online
    Listing agent has provided two interactive tours
    Open virtual tourWatch video tour
  6. Stylishly updated and meticulously cared for, it delivers the perfect blend of charm, function, and flexibility for families, professionals, or downsizers who still want space to spread out.
  7. The bright main level offers three bedrooms, an updated kitchen designed for everyday ease, and a refreshed full bathroom.
  8. Engineered hardwood flooring adds warmth and character, while oversized windows flood the living spaces with natural light.
  9. A spacious family room with a cozy gas fireplace sets the scene for movie nights and relaxed evenings.
  10. Ask Zara a follow-up
    Sewer
  11. Parking & garage

    4
    Garage
    Attached
    Garage spaces
    1
    Parking spaces
    3
    Driveway
    2
  12. Interior

    4
    Basement
    Full, Partially Finished
    Family room
    Y
    Kitchens
    1
    Total rooms
    10
  13. Exterior & construction

    4
    Exterior
    Brick
    Roof
    Asphalt Shingle
    Foundation
    Block
    Pool
    None
  14. Listing & possession

    3
    Occupancy
    Immediate
    Property style
    Bungalow
    Property class
    Detached
  15. Room-by-room · 9 rooms

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

    Room dimensions

    Main level

    6 rooms
    • Living Room
      12.0 × 14.4 ft
    • Primary Bedroom
      13.0 × 11.0 ft
    • Dining Room
      6.4 × 11.4 ft
    • Kitchen
      11.0 × 11.0 ft
    • Bedroom
      8.4 × 9.4 ft
    • Bedroom
      12.0 × 8.4 ft

    Lower level

    3 rooms
    • Family Room
      18.0 × 12.0 ft
    • Den
      13.0 × 12.0 ft
    • Other
      16.0 × 23.0 ft
    Combined estimate
    $2,911
    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
    $2,603
    /mo
    based on the purchase price of $529,900
    $105,980 cash
    $423,920 financed
    $357,052 total interest
    Monthly payment$2,603/ month
    Principal54%$423,920
    Interest46%$357,052

    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 Smiths Falls

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

    • 227 Lera Street
      Sold
      Sign in for price
      227 Lera Street
      Detached
    • 1181 Holbrook Road
      Sold
      Sign in for price
      1181 Holbrook Road
      Detached
    • 183 Cromwell Crescent
      Sold
      Sign in for price
      183 Cromwell Crescent
      Detached
    • 120 Kilmarnock Road
      Sold
      Sign in for price
      120 Kilmarnock Road
      Detached
    • 7367 Roger Stevens Drive
      Sold
      Sign in for price
      7367 Roger Stevens Drive
      Detached
    • 130 Station Road
      Sold
      Sign in for price
      130 Station Road
      Detached
    AddressBd / BaSqftSold$/sqft% of askSold
    12 Florence StreetThis home3 / 211,001,500$529,900ask———
    227 Lera Street2 / 21,100—
    1181 Holbrook Road3 / 2700—
    Sold prices are hidden under TRREB rules. Sign in to reveal them.

    More detacheds in Smiths Falls

    Active listings within ±20% of this asking price.

    • 80 Abel Street
      $449,000
      80 Abel Street
      Detached 4 2
    • 80 Abel Street
      $449,000
      80 Abel Street
      Detached 4 2
    • 107 Lorne Street
      $512,500
      107 Lorne Street
      Detached 3 1
    • 120 Queen Street
      $499,900
      120 Queen Street
      Detached 2 2
    • 39 Mcewen Avenue
      $519,000
      39 Mcewen Avenue
      Detached 5 2
    • 172 Queen Street
      $495,000
      172 Queen Street
      Detached 2 1
    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.

  16. One team, no handoffs

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

  17. Showings on YOUR schedule

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

  18. Mortgage that closes

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

  19. Public listing courtesy of REAL BROKER ONTARIO LTD. · displayed on Summitly per MLS® data-share rules

    12 Florence Street is a 3-bedroom, 2-bath, 1100-1500 sqft. Full room dimensions and floor breakdown are in the 'Rooms' section of this page.

  20. When was 12 Florence Street built?

    The year built for 12 Florence Street isn't published in this MLS® feed — ask a Summitly realtor for the construction year from the seller's disclosure.

  21. What is the property tax for 12 Florence Street?

    The 'Property tax' tab in the History section shows the most recent annual tax for 12 Florence Street plus a 5-year breakdown with YoY % change. Monthly equivalent is shown alongside.

  22. How much would the monthly mortgage be on 12 Florence Street?

    The affordability calculator on this page shows an estimated monthly mortgage for $529,900 at 20% down, 25-year amortization, and 5.5% rate. Adjust the sliders to model your own down payment and rate.

  23. Has 12 Florence Street been sold before?

    The 'Listing history' tab above lists every previous MLS® listing of 12 Florence Street with its list date, sold price (when sold), and final status. Each row is colour-coded with price-change arrows.

  24. What neighbourhood is 12 Florence Street in?

    12 Florence Street is in Smiths Falls, Smiths Falls. The 'Neighbourhood' section below links to the live Smiths Falls real estate hub with average sold price, days on market, and current inventory.

  25. Is Smiths Falls a good place to live?

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

  26. 183 Cromwell Crescent
    3 / 3
    1,500
    —
    120 Kilmarnock Road3 / 22,000—
    7367 Roger Stevens Drive3 / 11,100—
    130 Station Road3 / 21,100—