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310-3100 Steeles Ave W, Vaughan, ON, L4K 3R1
905-553-8500info@summitly.ca

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

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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 yesterday

    435 Bernard Street

    McKeller Park·Thunder Bay, ON·P7C 4H6·Near Between Rosedale and Cameron St. Turn at the Persian Man on Balmoral and go over the tracks, turn left on Bernard.

      0
    Thunder Bay real estate›X13478590
    • 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 beautifully updated 2-storey home, perfectly situated on a large, private double lot on a quiet street in a prime central location. Offering 1,470 sq ft of pristine living space, this open-concept 2 bedroom, 1 bathroom family home has been meticulously modernized from top to bottom. Entertain with ease in the gorgeous kitchen, featuring a center island and butcher block countertops, which flows seamlessly into the formal dining space. Beautiful herringbone flooring and high ceilings elevate the bright and airy interior. Major upgrades include new windows, new exterior doors, and a completely updated exterior featuring foam board and new window capping. Truly turn-key with absolutely nothing left to do, this stunning property is ready for its new owners.

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

    AI highlights by Zara
    • Welcome to this beautifully updated 2-storey home, perfectly situated on a large, private double lot on a quiet street in a prime central location.
    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 23, 2026ListedCurrentFor sale$339,900 —X13478590This 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

      5
      Heating
      Forced Air
      Air conditioning
      Central Air
      Fireplaces
      1
      Water source
    Location & lifestyle

    Getting around, schools & the block

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

    📍 435 Bernard Street
    What's nearby

    Points of interest classified by the MLS® feed.

    • Fenced Yard
    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
    $1,670
    20% down · 25y · 5.50% — adjust below ↓
    Est. monthly property tax
    $215
    0.76% mill rate · ON
    The market

    How this home sits in the Thunder Bay market

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

    The Thunder Bay market right now

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

    • Avg sold price
      $457,045
      Last 30 days
    • Median sold price
      $449,899
      Middle of the market
    • Days on market
      14 d
      Avg from list to close
    • Closed last 30d
      47
      MLS® transactions
    Full Thunder Bay market report
    Buy with Coldwell Banker Summit Realty

    We'll get you into 435 Bernard 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 435 Bernard 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 435 Bernard Street listed for?

      435 Bernard Street is listed at $339,900 on the MLS® (listing X13478590). The price refreshes on Summitly within minutes of any MLS® change.

    • How many bedrooms, bathrooms, and square feet does 435 Bernard 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 beds
  2. 1 bath
  3. Detached
  4. < .50 ac lot
  5. Asking
    $339,900
    MLS® X13478590
    Chat Zara
  6. Zara AI Estimate
    Live · refreshes nightly
    Estimated value
    $333,643
    $306,951Confidence range$360,334
    Asking vs estimate
    ≈in-line
    +$6,257
    (+1.9%)
    Asking is in line
    Run the affordability numbers

    Based on the city's average sold price, adjusted for 2 bedrooms (no sqft on file).

    Market analytics

    Homes like this in Thunder Bay sell in about 14 days — this one has been listed 1 day.

    Avg sold price
    $457,045
    Median sold
    $449,899
    Avg days on market
    14
    Recently sold
    47
    See comparable sales
  7. Offering 1,470 sq ft of pristine living space, this open-concept 2 bedroom, 1 bathroom family home has been meticulously modernized from top to bottom.
  8. Entertain with ease in the gorgeous kitchen, featuring a center island and butcher block countertops, which flows seamlessly into the formal dining space.
  9. Major upgrades include new windows, new exterior doors, and a completely updated exterior featuring foam board and new window capping.
  10. Ask Zara a follow-up
    Municipal
    Sewer
    Sewer
  11. Parking & garage

    3
    Garage
    None
    Parking spaces
    5
    Driveway
    Other
  12. Interior

    3
    Basement
    Unfinished, Full
    Kitchens
    1
    Total rooms
    6
  13. Exterior & construction

    4
    Exterior
    Unknown
    Roof
    Asphalt Shingle
    Foundation
    Other
    Pool
    None
  14. Listing & possession

    2
    Property style
    2-Storey
    Property class
    Detached
  15. Room-by-room · 6 rooms

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

    Room dimensions

    Main level

    3 rooms
    • Living Room
      12.0 × 13.0 ft
    • Kitchen
      12.0 × 13.5 ft
    • Dining Room
      12.0 × 13.0 ft

    Second level

    3 rooms
    • Primary Bedroom
      11.9 × 16.4 ft
    • Bedroom 2
      10.3 × 12.9 ft
    • Bathroom
    Combined estimate
    $1,885
    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
    $1,670
    /mo
    based on the purchase price of $339,900
    $67,980 cash
    $271,920 financed
    $229,028 total interest
    Monthly payment$1,670/ month
    Principal54%$271,920
    Interest46%$229,028

    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 Thunder Bay

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

    • 1589 Mountain Road
      Sold
      Sign in for price
      1589 Mountain Road
      Detached
    • 148 Newberry Crescent
      Sold
      Sign in for price
      148 Newberry Crescent
      Detached
    • 112 IBBETSON Street
      Sold
      Sign in for price
      112 IBBETSON Street
      Detached
    • 423 Brittany Drive
      Sold
      Sign in for price
      423 Brittany Drive
      Detached
    • 159 Woodside Street
      Sold
      Sign in for price
      159 Woodside Street
      Detached
    • 400 Randall Court
      Sold
      Sign in for price
      400 Randall Court
      Detached
    AddressBd / BaSqftSold$/sqft% of askSold
    435 Bernard StreetThis home2 / 1—$339,900ask———
    1589 Mountain Road3 / 3——
    148 Newberry Crescent3 / 2——
    Sold prices are hidden under TRREB rules. Sign in to reveal them.

    More detacheds in Thunder Bay

    Active listings within ±20% of this asking price.

    • 177 Shipley Street
      $339,900
      177 Shipley Street
      Detached 2 2
    • 205 Edward St North
      $389,900
      205 Edward St North
      Detached 3 2
    • 505 Oliver Road
      $399,900
      505 Oliver Road
      Detached 2 3
    • 437 Hodder Ave
      $289,900
      437 Hodder Ave
      Detached 2 2
    • 2645 Isabella Street
      $325,000
      2645 Isabella Street
      Detached 2 1
    • 275 Windemere Avenue
      $369,900
      275 Windemere Avenue
      Detached 2 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.

  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 ROYAL LEPAGE LANNON REALTY · displayed on Summitly per MLS® data-share rules

    435 Bernard Street is a 2-bedroom, 1-bath. Full room dimensions and floor breakdown are in the 'Rooms' section of this page.

  20. When was 435 Bernard Street built?

    The year built for 435 Bernard 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 435 Bernard Street?

    The 'Property tax' tab in the History section shows the most recent annual tax for 435 Bernard Street plus a 5-year breakdown with YoY % change. Monthly equivalent is shown alongside.

  22. How much would the monthly mortgage be on 435 Bernard Street?

    The affordability calculator on this page shows an estimated monthly mortgage for $339,900 at 20% down, 25-year amortization, and 5.5% rate. Adjust the sliders to model your own down payment and rate.

  23. Has 435 Bernard Street been sold before?

    The 'Listing history' tab above lists every previous MLS® listing of 435 Bernard 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 435 Bernard Street in?

    435 Bernard Street is in McKeller Park, Thunder Bay. The 'Neighbourhood' section below links to the live Thunder Bay real estate hub with average sold price, days on market, and current inventory.

  25. Is Thunder Bay a good place to live?

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

  26. 112 IBBETSON Street
    3 / 2
    —
    —
    423 Brittany Drive2 / 2——
    159 Woodside Street3 / 2——
    400 Randall Court3 / 3——