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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 53 daysPrice drop · $84,000 off (-13.4%)

    21 Cardinal Avenue

    South Bruce Peninsula·South Bruce Peninsula, ON·N0H 2T0·Near Spry Lake RD

    • 5 beds
    South Bruce Peninsula real estate›X13126210
    • 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 home to this spacious 5-bedroom, 3-bathroom property located just a short walk or bike ride from the beautiful shores of Lake Huron. Whether you're searching for a year-round residence or the perfect seasonal getaway, this home offers comfort, flexibility, and room for the whole family. The upper level features three bedrooms, a 4-piece bathroom, and a bright open-concept kitchen, dining, and living area designed for gathering with family and friends. The kitchen is a chef's dream, with ample cupboard space, a large island, a built-in oven, and a cooktop, making both everyday living and entertaining effortless. The primary bedroom serves as a private retreat, complete with a walk-in closet and a 4-piece ensuite. The lower level offers two additional bedrooms, a 3-piece bathroom, a spacious family room, and a versatile bonus room ready to suit your needs - whether it's a home office, gym, hobby room, or extra living space. Step outside and enjoy both front and back decks, perfect for morning coffee at sunrise or relaxing evenings watching the sunset. With ample parking for family and guests, this property is ready to welcome everyone and create lasting memories for years to come.

    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
    Jul 5, 2026Price reducedCurrentReduced$545,000−$84,000 (13.4%)X13126210This page
    May 14, 2026ListedCurrentFor sale$629,000 —X13126210This 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

      4
      Heating
      Forced Air
      Air conditioning
      Central Air
      Water source
      Well
      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.

    📍 21 Cardinal Avenue
    What's nearby

    Points of interest classified by the MLS® feed.

    • Beach
    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
    $2,677
    20% down · 25y · 5.50% — adjust below ↓
    Est. monthly property tax
    $323
    0.71% mill rate · ON
    The market

    How this home sits in the South Bruce Peninsula market

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

    The South Bruce Peninsula market right now

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

    • Avg sold price
      $530,873
      Last 30 days
    • Median sold price
      $520,000
      Middle of the market
    • Days on market
      53 d
      Avg from list to close
    • Closed last 30d
      59
      MLS® transactions
    Full South Bruce Peninsula market report
    Buy with Coldwell Banker Summit Realty

    We'll get you into 21 Cardinal Avenue — 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 21 Cardinal Avenue 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 21 Cardinal Avenue listed for?

      21 Cardinal Avenue is listed at $545,000 on the MLS® (listing X13126210). The price refreshes on Summitly within minutes of any MLS® change.

    • How many bedrooms, bathrooms, and square feet does 21 Cardinal Avenue 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. 2500-3000 sqft
  3. Detached
  4. Built 6-15
  5. Asking
    $545,000
    $0 / sqft · MLS® X13126210
    Chat Zara
  6. Zara AI Estimate
    Live · refreshes nightly
    Estimated value
    $721,987
    $664,228Confidence range$779,746
    Asking vs estimate
    ↓below
    −$176,987
    (-24.5%)
    Asking is below estimate
    Run the affordability numbers

    Based on the city's average sold price, adjusted for 5 bedrooms (no sqft on file).

    Market analytics

    Homes like this in South Bruce Peninsula sell in about 53 days — this one has been listed 53 days.

    Avg sold price
    $530,873
    Median sold
    $520,000
    Avg days on market
    53
    Recently sold
    59
    See comparable sales
    Walk through online
    Listing agent has provided two interactive tours
    Open virtual tourWatch video tour
    Welcome home to this spacious 5-bedroom, 3-bathroom property located just a short walk or bike ride from the beautiful shores of Lake Huron.
  7. The kitchen is a chef's dream, with ample cupboard space, a large island, a built-in oven, and a cooktop, making both everyday living and entertaining effortless.
  8. The primary bedroom serves as a private retreat, complete with a walk-in closet and a 4-piece ensuite.
  9. With ample parking for family and guests, this property is ready to welcome everyone and create lasting memories for years to come.
  10. Ask Zara a follow-up
    Septic
  11. Parking & garage

    3
    Garage
    None
    Parking spaces
    8
    Driveway
    Private
  12. Interior

    5
    Basement
    Walk-Out, Partially Finished
    Family room
    Y
    Kitchens
    1
    Total rooms
    15
    Laundry level
    Upper Level
  13. Exterior & construction

    4
    Exterior
    Vinyl Siding, Stone
    Roof
    Asphalt Shingle
    Foundation
    Slab
    Pool
    None
  14. Lot & land

    1
    Year built
    6-15
  15. Listing & possession

    3
    Occupancy
    Seller can be flexible
    Property style
    2-Storey
    Property class
    Detached
  16. Room-by-room · 15 rooms

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

    Room dimensions

    Upper level

    9 rooms
    • Kitchen
      15.1 × 13.0 ft
    • Living Room
      18.6 × 12.2 ft
    • Foyer
      5.7 × 4.3 ft
    • Bathroom
      9.2 × 5.1 ft
    • Primary Bedroom
      12.1 × 13.1 ft
    • Bedroom
      12.2 × 10.2 ft
    • Bathroom
      4 Pc Ensuite
      12.8 × 8.9 ft
    • Dining Room
      13.0 × 9.5 ft
    • Bedroom
      12.2 × 11.1 ft

    Lower level

    6 rooms
    • Recreation
      39.0 × 11.2 ft
    • Bedroom
      14.0 × 12.9 ft
    • Other
      19.3 × 11.2 ft
    • Furnace Room
      14.4 × 12.9 ft
    • Bathroom
      8.1 × 7.5 ft
    • Bedroom
      12.9 × 12.2 ft
    Combined estimate
    $3,000
    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
    $2,677
    /mo
    based on the purchase price of $545,000
    $109,000 cash
    $436,000 financed
    $367,226 total interest
    Monthly payment$2,677/ month
    Principal54%$436,000
    Interest46%$367,226

    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 South Bruce Peninsula

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

    • 673 Gould Street
      Sold
      Sign in for price
      673 Gould Street
      Detached
    • 8 Pine Tree Drive
      Sold
      Sign in for price
      8 Pine Tree Drive
      Detached
    • 364 Berford Lake Road
      Sold
      Sign in for price
      364 Berford Lake Road
      Detached
    • 138 Third Avenue
      Sold
      Sign in for price
      138 Third Avenue
      Detached
    • 50 Everett Road
      Sold
      Sign in for price
      50 Everett Road
      Detached
    • 925 King Edward Avenue
      Sold
      Sign in for price
      925 King Edward Avenue
      Detached
    AddressBd / BaSqftSold$/sqft% of askSold
    21 Cardinal AvenueThis home5 / 325,003,000$545,000ask———
    673 Gould Street4 / 21,500—
    8 Pine Tree Drive4 / 42,000—
    Sold prices are hidden under TRREB rules. Sign in to reveal them.

    More detacheds in South Bruce Peninsula

    Active listings within ±20% of this asking price.

    • 711 Bruce Rd 9 Road
      $625,900
      711 Bruce Rd 9 Road
      Detached 5 2
    • 7175 Highway 21
      $550,000
      7175 Highway 21
      Detached 4 3
    • 603 Third Avenue
      $649,000
      603 Third Avenue
      Detached 4 2
    • 352 Berford Street
      $599,900
      352 Berford Street
      Detached 4 2
    • 172 BRYANT Street
      $649,000
      172 BRYANT Street
      Detached 7 3
    • 24 QUEEN Street
      $489,000
      24 QUEEN Street
      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.

  17. One team, no handoffs

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

  18. Showings on YOUR schedule

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

  19. Mortgage that closes

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

  20. Public listing courtesy of Sutton-Sound Realty · displayed on Summitly per MLS® data-share rules

    21 Cardinal Avenue is a 5-bedroom, 3-bath, 2500-3000 sqft. Full room dimensions and floor breakdown are in the 'Rooms' section of this page.

  21. When was 21 Cardinal Avenue built?

    21 Cardinal Avenue was built in 6-15. Construction style, foundation, roof material, and EnerGuide rating (when published) are in the 'Features' section above.

  22. What is the property tax for 21 Cardinal Avenue?

    The 'Property tax' tab in the History section shows the most recent annual tax for 21 Cardinal Avenue plus a 5-year breakdown with YoY % change. Monthly equivalent is shown alongside.

  23. How much would the monthly mortgage be on 21 Cardinal Avenue?

    The affordability calculator on this page shows an estimated monthly mortgage for $545,000 at 20% down, 25-year amortization, and 5.5% rate. Adjust the sliders to model your own down payment and rate.

  24. Has 21 Cardinal Avenue been sold before?

    The 'Listing history' tab above lists every previous MLS® listing of 21 Cardinal Avenue with its list date, sold price (when sold), and final status. Each row is colour-coded with price-change arrows.

  25. What neighbourhood is 21 Cardinal Avenue in?

    21 Cardinal Avenue is in South Bruce Peninsula, South Bruce Peninsula. The 'Neighbourhood' section below links to the live South Bruce Peninsula real estate hub with average sold price, days on market, and current inventory.

  26. Is South Bruce Peninsula a good place to live?

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

  27. 364 Berford Lake Road
    4 / 3
    2,500
    —
    138 Third Avenue4 / 11,100—
    50 Everett Road4 / 42,000—
    925 King Edward Avenue5 / 21,500—