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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 7 days

    189 Garden Street

    Pembroke·Pembroke, ON·K8A 2H4·Near MACKAY STREET TO GARDEN STREET

    • 3 beds
    Pembroke real estate›X13465094
    • 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 189 Garden Street, a well-maintained 3-bedroom, 2-bathroom home located in one of Pembroke's most desirable family-friendly neighbourhoods. Offering 3 levels of living space, a finished lower-level family room, and a beautifully landscaped lot, this move-in ready property is ideal for first-time buyers, growing families, downsizers, or anyone seeking a comfortable home close to schools, parks, shopping, healthcare, and everyday amenities. Step inside to discover a bright and inviting main floor featuring a spacious living room, functional kitchen with ample cabinetry and counter space, and a dedicated dining area with patio doors leading directly to the backyard deck. Large windows throughout the home allow for abundant natural light, creating a warm and welcoming atmosphere. The upper level offers three comfortable bedrooms, including a generous primary bedroom, along with a full bathroom and practical family layout. The finished lower level provides valuable additional living space with a large family room, second bathroom, utility area, and flexibility for a home office, recreation room, gym, or hobby space. Outside, you'll appreciate the impressive backyard, mature landscaping, established gardens, and detached storage shed/workshop. The private deck creates the perfect setting for summer barbecues, entertaining guests, or simply enjoying a quiet morning coffee. The generous lot offers plenty of room for children, pets, gardening enthusiasts, and outdoor living. Located in the heart of Pembroke, this property combines comfort, convenience, and value. Enjoy easy access to schools, parks, walking trails, shopping, restaurants, healthcare services, and commuter routes while living in a quiet, established residential neighbourhood. Whether you're searching for a family home in Pembroke, a move-in ready property with a finished basement, or a home with a large backyard and detached workshop, 189 Garden Street delivers exceptional value and opportunity.

    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
    Jun 17, 2026ListedCurrentFor sale$399,900 —X13465094This page
    Oct 9, 2024Previously listedExp$414,900 —X9521166View
    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.

    📍 189 Garden 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
    $1,965
    20% down · 25y · 5.50% — adjust below ↓
    Est. monthly property tax
    $348
    1.04% mill rate · ON
    The market

    How this home sits in the Pembroke market

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

    The Pembroke market right now

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

    • Avg sold price
      $433,388
      Last 30 days
    • Median sold price
      $392,500
      Middle of the market
    • Days on market
      30 d
      Avg from list to close
    • Closed last 30d
      98
      MLS® transactions
    Full Pembroke market report
    Buy with Coldwell Banker Summit Realty

    We'll get you into 189 Garden 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 189 Garden 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 189 Garden Street listed for?

      189 Garden Street is listed at $399,900 on the MLS® (listing X13465094). The price refreshes on Summitly within minutes of any MLS® change.

    • How many bedrooms, bathrooms, and square feet does 189 Garden 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. 700-1100 sqft
  3. Detached
  4. Asking
    $399,900
    $0 / sqft · MLS® X13465094
    Chat Zara
  5. Zara AI Estimate
    Live · refreshes nightly
    Estimated value
    $433,388
    $398,717Confidence range$468,059
    Asking vs estimate
    ≈in-line
    −$33,488
    (-7.7%)
    Asking is in line
    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 Pembroke sell in about 30 days — this one has been listed 7 days.

    Avg sold price
    $433,388
    Median sold
    $392,500
    Avg days on market
    30
    Recently sold
    98
    See comparable sales
    Walk through online
    Listing agent has provided two interactive tours
    Open virtual tourWatch video tour
    AI highlights by Zara
    • Welcome to 189 Garden Street, a well-maintained 3-bedroom, 2-bathroom home located in one of Pembroke's most desirable family-friendly neighbourhoods.
    • Outside, you'll appreciate the impressive backyard, mature landscaping, established gardens, and detached storage shed/workshop.
    • The generous lot offers plenty of room for children, pets, gardening enthusiasts, and outdoor living.
    • Enjoy easy access to schools, parks, walking trails, shopping, restaurants, healthcare services, and commuter routes while living in a quiet, established residential neighbourhood.
    Ask Zara a follow-up
    Sewer
  6. Parking & garage

    3
    Garage
    None
    Parking spaces
    2
    Driveway
    2
  7. Interior

    4
    Basement
    Finished, Partial Basement
    Family room
    N
    Kitchens
    1
    Total rooms
    9
  8. Exterior & construction

    4
    Exterior
    Brick, Other
    Roof
    Asphalt Shingle
    Foundation
    Block
    Pool
    None
  9. Listing & possession

    3
    Occupancy
    TBD
    Property style
    Sidesplit
    Property class
    Detached
  10. Room-by-room · 7 rooms

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

    Room dimensions

    Main level

    3 rooms
    • Living Room
      15.2 × 14.1 ft
    • Kitchen
      10.3 × 8.6 ft
    • Dining Room
      8.6 × 8.0 ft

    Second level

    3 rooms
    • Bedroom 3
      9.6 × 9.0 ft
    • Primary Bedroom
      13.2 × 12.2 ft
    • Bedroom 2
      11.4 × 10.0 ft

    Lower level

    1 room
    • Recreation
      25.0 × 11.2 ft
    Combined estimate
    $2,313
    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
    $1,965
    /mo
    based on the purchase price of $399,900
    $79,980 cash
    $319,920 financed
    $269,457 total interest
    Monthly payment$1,965/ month
    Principal54%$319,920
    Interest46%$269,457

    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 Pembroke

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

    • 66 Sandy Beach Road
      Sold
      Sign in for price
      66 Sandy Beach Road
      Detached
    • 257 Fraser Street
      Sold
      Sign in for price
      257 Fraser Street
      Detached
    • 698 Moffat Street
      Sold
      Sign in for price
      698 Moffat Street
      Detached
    • 152 Reta Crescent
      Sold
      Sign in for price
      152 Reta Crescent
      Detached
    • 607 Elizabeth Street
      Sold
      Sign in for price
      607 Elizabeth Street
      Detached
    • 736 Pembroke Street
      Sold
      Sign in for price
      736 Pembroke Street
      Detached
    AddressBd / BaSqftSold$/sqft% of askSold
    189 Garden StreetThis home3 / 27,001,100$399,900ask———
    66 Sandy Beach Road2 / 2700—
    257 Fraser Street2 / 1700—
    Sold prices are hidden under TRREB rules. Sign in to reveal them.

    More detacheds in Pembroke

    Active listings within ±20% of this asking price.

    • 92 Ken Avenue
      $464,900
      92 Ken Avenue
      Detached 3 1
    • 27 Achray Road
      $324,900
      27 Achray Road
      Detached 2 1
    • 652 Moffat Street
      $339,000
      652 Moffat Street
      Detached 4 2
    • 130 Town Line Road
      $367,500
      130 Town Line Road
      Detached 3 2
    • 375 Centre Street
      $374,900
      375 Centre Street
      Detached 3 2
    • 625 First Avenue
      $339,000
      625 First Avenue
      Detached 4 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.

  11. One team, no handoffs

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

  12. Showings on YOUR schedule

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

  13. Mortgage that closes

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

  14. Public listing courtesy of ROYAL LEPAGE TEAM REALTY · displayed on Summitly per MLS® data-share rules

    189 Garden Street is a 3-bedroom, 2-bath, 700-1100 sqft. Full room dimensions and floor breakdown are in the 'Rooms' section of this page.

  15. When was 189 Garden Street built?

    The year built for 189 Garden Street isn't published in this MLS® feed — ask a Summitly realtor for the construction year from the seller's disclosure.

  16. What is the property tax for 189 Garden Street?

    The 'Property tax' tab in the History section shows the most recent annual tax for 189 Garden Street plus a 5-year breakdown with YoY % change. Monthly equivalent is shown alongside.

  17. How much would the monthly mortgage be on 189 Garden Street?

    The affordability calculator on this page shows an estimated monthly mortgage for $399,900 at 20% down, 25-year amortization, and 5.5% rate. Adjust the sliders to model your own down payment and rate.

  18. Has 189 Garden Street been sold before?

    The 'Listing history' tab above lists every previous MLS® listing of 189 Garden Street with its list date, sold price (when sold), and final status. Each row is colour-coded with price-change arrows.

  19. What neighbourhood is 189 Garden Street in?

    189 Garden Street is in Pembroke, Pembroke. The 'Neighbourhood' section below links to the live Pembroke real estate hub with average sold price, days on market, and current inventory.

  20. Is Pembroke a good place to live?

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

  21. 698 Moffat Street
    5 / 2
    2,500
    —
    152 Reta Crescent4 / 41,500—
    607 Elizabeth Street4 / 21,500—
    736 Pembroke Street2 / 2700—