For saleExcellent Deal

DetachedOn market 110 daysPrice drop · $72,000 off (-5.0%)

403 Bay St, Orillia

Orillia, ON · · MLS® S13522614Updated September 29, 2026

$1,378,000Est. $6,770/mo mortgage

Bedrooms: 5
Bathrooms: 3
Living space: 3500–5000sq ft
Parking spaces: 7

Type Detached
Garage Yes
Basement Finished with Walk-Out

What you should know

403 Bay St is a 5-bedroom, 3-bathroom detached home in Orillia, listed for $1,378,000. It has 3500-5000 sq ft of living space.

Welcome to 403 Bay Street-an exceptional custom built home in one of Orillia's most sought after neighbourhoods.
Just a short stroll from the shores of Lake Couchiching and only minutes to Couchiching Beach Park, downtown Orillia, schools and trails.
Offering over 4,000 sq. ft. above grade, plus a beautiful finished walkout basement, this spacious home features 5 bedrooms and 4 bathrooms with a layout designed for both everyday living and effortless entertaining.

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5 Bed, 3 Bath Detached Home in Orillia

About 403 Bay Street

Welcome to 403 Bay Street-an exceptional custom built home in one of Orillia's most sought after neighbourhoods. Just a short stroll from the shores of Lake Couchiching and only minutes to Couchiching Beach Park, downtown Orillia, schools and trails. This remarkable property offers the perfect balance of luxury, comfort and family living. Offering over 4,000 sq. ft. above grade, plus a beautiful finished walkout basement, this spacious home features 5 bedrooms and 4 bathrooms with a layout designed for both everyday living and effortless entertaining. A truly rare feature is that all five bedrooms are located on the same level--an ideal design for families that provides both convenience and peace of mind. The bright walkout lower level offers something for everyone, complete with a games room featuring a billiard table and Murphy bed, a wet bar, sauna, exercise area, additional laundry, and direct access to the beautifully landscaped backyard. Step outside to your private retreat with a fully fenced yard, inground pool, playground, and plenty of space for family gatherings, entertaining, or simply relaxing. From the moment you arrive, the home's impressive curb appeal is evident with its interlock driveway, inviting covered front porch, and landscaping that reflects the pride of ownership. Rarely does a home of this size, quality and location become available. Combining timeless craftsmanship, exceptional living space, and an unbeatable lifestyle near the waterfront, 403 Bay Street is a truly special opportunity for families seeking room to grow without compromising on luxury or convenience.

5 bedrooms, 3 bathrooms, about 3,500 sq ft, works out to roughly $394 per square foot. Chat with Zara if you'd like a deeper read on whether this detached fits your budget and timing.

Inside 403 Bay St

Every detail from the listing, in one place.

Type: Detached
Style: 2-Storey
Living space: 3500-5000 sq ftas stated on the listing
Parking: 7 spacesYes garage
Basement: Finished with Walk-Out

Features & systems

Parking & garage

Garage: Yes
Parking spaces: 7

Interior

Basement: Finished with Walk-Out

Exterior & construction

Pool: Yes

Lot & land

Lot size (sqft): 14951.06

Listing & possession

Property style: 2-Storey
Property class: Detached

403 Bay St Price & Sale History

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

—ReducedPrice reducedThis listingMLS® S13522614−$72,000 (5.0%)$1,378,000
Jul 3, 2026For saleListedThis listingMLS® S13522614$1,450,000

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

What's it worth?

How 403 Bay St Compares to the Orillia Market

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

Zara’s estimate

Excellent Deal· based on 366 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

Orillia market, last 90 days

Median sold price: $567,777
Average sold price: $610,404
Average days on market: 42
Homes sold: 227

Closed sales on the TRREB MLS®.

Full Orillia market report

Recently sold nearby in Orillia

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 home403 Bay Street 5 bd · 3 ba · 3,500 sqft	$1,378,000asking	$394	—	—
258 Bay Street 4 bd · 2 ba · 3,000 sqft
37 Laurentian Lane 4 bd · 2 ba · 2,000 sqft
120 Matchedash Street 4 bd · 2 ba · 2,000 sqft
Lot 1 Monarch Drive 4 bd · 4 ba · 2,000 sqft
90 Atlantis Drive 4 bd · 2 ba · 2,000 sqft
3118 Orion Boulevard 4 bd · 2 ba · 2,000 sqft

258 Bay Street
4 bd · 2 ba · 3,000 sqft
37 Laurentian Lane
4 bd · 2 ba · 2,000 sqft
120 Matchedash Street
4 bd · 2 ba · 2,000 sqft
Lot 1 Monarch Drive
4 bd · 4 ba · 2,000 sqft
90 Atlantis Drive
4 bd · 2 ba · 2,000 sqft
3118 Orion Boulevard
4 bd · 2 ba · 2,000 sqft

Living in Orillia: Location & Amenities

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

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From 403 Bay St. Typical times without traffic delays; transit times aren't available yet.

Costs, Mortgage & Rental Return for 403 Bay St

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

Mortgage: $6,770; 20% down · 25 years · 5.5% assumed
Property tax: $758; 0.66% mill rate · ON
Total per month: $7,528; 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

$6,770

/mo

based on the purchase price of $1,378,000

Down payment20%

$275,600 cash

Amortization25 yr

$1,102,400 financed

Rate5.50%

$928,510 total interest

Principal54%$1,102,400

Interest46%$928,510

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: Century 21 B.J. Roth Realty Ltd., BrokerageMLS® S13522614 · Listing data last updated September 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 Jul 2· $394/sq ft

Estimated monthly mortgage$6,770/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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403 Bay St, Orillia

What you should know