Available on mobile

Take Summitly with you.

Browse listings, get instant alerts, and talk to your AI concierge — all from your pocket.

Download on theApp StoreGet it onGoogle Play

Weekly market briefing

The smartest move starts here.

Curated listings, price trends, and neighbourhood insights — delivered Sunday morning.

Summitly

Your trusted partner in real estate. We help you find your perfect home, make informed decisions, and connect with expert professionals across Canada.

Explore

Map SearchBrowse ListingsBrowse RentalsSold HomesOpen Houses

Sell & Rent

Sell Your HomeHome ValuationList Your Rental — FreeRental PricingRenting on Summitly

Resources

CalculatorsGet Pre-QualifiedNews & InsightsGuidesBlogAI ConciergeFranchise

Company

AboutContactFind a RealtorCareers — Join SummitlyFAQs
310-3100 Steeles Ave W, Vaughan, ON, L4K 3R1
1-333-345-6868info@summitly.ca

©2026 Summitly. All rights reserved. Coldwell Banker Summit Realty, Brokerage.

Privacy PolicyTerms of UseCookiesSitemap

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.

    Summitly Logo
    Buy
    Sell
    Rent
    Pre-con
    Meet ZaraMy HomeNews & Insights
    HomeBuySell
    For sale On market 15 days

    21 Elm Street

    Gananoque·Gananoque, ON·K7G 2S8·Near KING ST WEST AND ELM ST

    • 3 beds
    Gananoque real estate›X12399341
    • 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

    Home is where you find your happy place! This 3 bedroom semi-detached home on the quiet west side of town is only steps from the waterfront, parks, shops and is even on the school bus route. With a large, paved drive and attached garage, combined with the landscaped and fenced rear yard, this home checks all the boxes even before we step inside. Once in, you will notice a great main floor layout, bright windows overlooking the back yard and a a main floor 2-pc bath. Upstairs features a large primary suite, 2 additional bedrooms and a 4-pc bath. The lower level is finished, has a nice rec room area for relaxing, working or home gym space, what do you prefer? Located just steps from all Gan has to offer, along with an easy commute to Kingston if needed, this home is the perfect blend of convenience and location great for walking, biking and taking in events throughout the town. Do not hesitate, book your showing today (From Sellers: Newer roof within the last five years, newer furnace and A/C, some new floor)

    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
    Sep 11, 2025ListedCurrentFor sale$419,900 —X12399341This 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
      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.

    📍 21 Elm 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
    $2,063
    20% down · 25y · 5.50% — adjust below ↓
    Est. monthly property tax
    $312
    0.89% mill rate · ON
    The market

    How this home sits in the Gananoque market

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

    The Gananoque market right now

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

    • Avg sold price
      $726,938
      Last 30 days
    • Median sold price
      $535,000
      Middle of the market
    • Days on market
      45 d
      Avg from list to close
    • Closed last 30d
      37
      MLS® transactions
    Full Gananoque market report
    Buy with Coldwell Banker Summit Realty

    We'll get you into 21 Elm 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 21 Elm 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 21 Elm Street listed for?

      21 Elm Street is listed at $419,900 on the MLS® (listing X12399341). The price refreshes on Summitly within minutes of any MLS® change.

    • How many bedrooms, bathrooms, and square feet does 21 Elm 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. Semi-Detached
  4. Asking
    $419,900
    $0 / sqft · MLS® X12399341
    Chat Zara
  5. Zara AI Estimate
    Live · refreshes nightly
    Estimated value
    $726,938
    $668,783Confidence range$785,093
    Asking vs estimate
    ↓below
    −$307,038
    (-42.2%)
    Asking is below estimate
    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 Gananoque sell in about 45 days — this one has been listed 15 days.

    Avg sold price
    $726,938
    Median sold
    $535,000
    Avg days on market
    45
    Recently sold
    37
    See comparable sales
    Walk through online
    Listing agent has provided two interactive tours
    Open virtual tourWatch video tour
    This 3 bedroom semi-detached home on the quiet west side of town is only steps from the waterfront, parks, shops and is even on the school bus route.
  6. With a large, paved drive and attached garage, combined with the landscaped and fenced rear yard, this home checks all the boxes even before we step inside.
  7. Once in, you will notice a great main floor layout, bright windows overlooking the back yard and a a main floor 2-pc bath.
  8. The lower level is finished, has a nice rec room area for relaxing, working or home gym space, what do you prefer?
  9. Ask Zara a follow-up
    Sewer
  10. Parking & garage

    4
    Garage
    Attached
    Garage spaces
    1
    Parking spaces
    5
    Driveway
    Front Yard Parking, Private Double
  11. Interior

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

    4
    Exterior
    Brick, Vinyl Siding
    Roof
    Asphalt Shingle
    Foundation
    Concrete
    Pool
    None
  13. Listing & possession

    3
    Occupancy
    FLEXIBLE
    Property style
    2-Storey
    Property class
    Semi-Detached
  14. Room-by-room · 10 rooms

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

    Room dimensions

    Main level

    4 rooms
    • Living Room
      9.6 × 17.5 ft
    • Bathroom
      2 Pc Bath
      6.0 × 5.0 ft
    • Dining Room
      9.4 × 8.6 ft
    • Kitchen
      9.1 × 8.9 ft

    Second level

    4 rooms
    • Bedroom 2
      9.1 × 14.8 ft
    • Bedroom 3
      9.4 × 11.3 ft
    • Bathroom
      4 Pc Bath
      9.1 × 7.4 ft
    • Primary Bedroom
      16.7 × 10.9 ft

    Basement level

    2 rooms
    • Recreation
      17.9 × 11.1 ft
    • Laundry
      10.7 × 10.4 ft
    Combined estimate
    $2,375
    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
    $2,063
    /mo
    based on the purchase price of $419,900
    $83,980 cash
    $335,920 financed
    $282,933 total interest
    Monthly payment$2,063/ month
    Principal54%$335,920
    Interest46%$282,933

    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 semi-detacheds that just sold in Gananoque

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

    • 835 Queen Street
      Sold
      Sign in for price
      835 Queen Street
      Semi-Detached
    • 68 Hickory Street
      Sold
      Sign in for price
      68 Hickory Street
      Semi-Detached
    • 201 Wilmer Avenue
      Sold
      Sign in for price
      201 Wilmer Avenue
      Semi-Detached
    • 122 BIRCH Street
      Sold
      Sign in for price
      122 BIRCH Street
      Semi-Detached
    • 381 James Street
      Sold
      Sign in for price
      381 James Street
      Semi-Detached
    AddressBd / BaSqftSold$/sqft% of askSold
    21 Elm StreetThis home3 / 211,001,500$419,900ask———
    835 Queen Street4 / 31,500—
    68 Hickory Street3 / 31,500—
    Sold prices are hidden under TRREB rules. Sign in to reveal them.

    More semi-detacheds in Gananoque

    Active listings within ±20% of this asking price.

    • 41 Maple Street
      $425,000
      41 Maple Street
      Semi-Detached 3 2
    • 158 Arthur Street
      $459,900
      158 Arthur Street
      Semi-Detached 3 2
    • 255 First Street
      $489,900
      255 First Street
      Semi-Detached 4 4
    • 292 William Street
      $379,900
      292 William Street
      Semi-Detached 3 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.

  15. One team, no handoffs

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

  16. Showings on YOUR schedule

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

  17. Mortgage that closes

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

  18. Public listing courtesy of REDMOND REALTY LTD., BROKERAGE · displayed on Summitly per MLS® data-share rules

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

  19. When was 21 Elm Street built?

    The year built for 21 Elm Street isn't published in this MLS® feed — ask a Summitly realtor for the construction year from the seller's disclosure.

  20. What is the property tax for 21 Elm Street?

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

  21. How much would the monthly mortgage be on 21 Elm Street?

    The affordability calculator on this page shows an estimated monthly mortgage for $419,900 at 20% down, 25-year amortization, and 5.5% rate. Adjust the sliders to model your own down payment and rate.

  22. Has 21 Elm Street been sold before?

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

  23. What neighbourhood is 21 Elm Street in?

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

  24. Is Gananoque a good place to live?

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

  25. 201 Wilmer Avenue
    2 / 2
    1,100
    —
    122 BIRCH Street2 / 2700—
    381 James Street3 / 41,500—