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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 On market 23 days

    538 12th Street W

    Owen Sound·Owen Sound, ON·N4K 3V9·Near From 10th Street, head North on 4th Avenue West. Turn Left onto 12th Street West. On this quiet tree-lined one-way street, you'll find this gorgeously updated two-storey home on your Right.

    Owen Sound real estate›X13149852
    • 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

    Classic character. Modern updates. The kind of house that instantly feels like home. That's 538 12th Street West, tucked along a quiet, tree-lined one-way street on Owen Sound's west side. Warm, bright, beautifully updated, and full of the kind of charm that never goes out of style. You've got tall ceilings, crown moulding, soft natural light, peaceful morning coffee in the kitchen, dinners that linger, summer evenings out on the deck... yeah, this is the kind of house that quietly becomes your favourite place to be. Offering 1,324 sq.ft. of thoughtfully updated living space, the main floor has that perfect flow with gorgeous luxury vinyl plank flooring (2021) throughout and a huge picture window that fills the home with natural light. And the kitchen? SO good. Sage green accents, timeless shaker-style cabinetry, white tile backsplash, stainless steel appliances, and glass-front uppers over a casual breakfast bar perfect for sitting on stools over a cup of coffee. Upstairs, you'll find 3 spacious bedrooms plus a full bathroom with stackable laundry (2022) conveniently located on the same level because honestly, life is just easier that way. Then there's the backyard: 128 feet deep, private, fenced (2023), and centred around an incredible 370 sq.ft. two-tiered deck that was practically made for warm summer nights. The best part? All the important updates are already done. High-efficiency furnace (2022), central air (2022), newer windows (2026, 2023), updated electrical (2026, 2021), blown-in insulation (2023), owned hot water tank (2023), paving stone driveway (2024), appliances (2023), and more. 538 12th Street West feels comfortable in all the right ways. Calm, welcoming, easy to love, and even easier to picture yourself living in. The kind of home people move into and end up staying in way longer than they planned, because it's just that good.

    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
    May 20, 2026ListedCurrentFor sale$419,900 —X13149852This 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.

    📍 538 12th Street W
    What's nearby

    Points of interest classified by the MLS® feed.

    • Fenced Yard
    • Hospital
    • Library
    • Park
    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
    $301
    0.86% mill rate · ON
    The market

    How this home sits in the Owen Sound market

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

    The Owen Sound market right now

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

    • Avg sold price
      $487,710
      Last 30 days
    • Median sold price
      $469,500
      Middle of the market
    • Days on market
      43 d
      Avg from list to close
    • Closed last 30d
      72
      MLS® transactions
    Full Owen Sound market report
    Buy with Coldwell Banker Summit Realty

    We'll get you into 538 12th Street W — 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 538 12th Street W 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 538 12th Street W listed for?

      538 12th Street W is listed at $419,900 on the MLS® (listing X13149852). The price refreshes on Summitly within minutes of any MLS® change.

    • How many bedrooms, bathrooms, and square feet does 538 12th Street W 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.

    • 3 beds
    • 1 bath
    • 1100-1500 sqft
    • Detached
    Asking
    $419,900
    $0 / sqft · MLS® X13149852
    Chat Zara
  1. Zara AI Estimate
    Live · refreshes nightly
    Estimated value
    $487,710
    $448,693Confidence range$526,727
    Asking vs estimate
    ↓below
    −$67,810
    (-13.9%)
    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 Owen Sound sell in about 43 days — this one has been listed 23 days.

    Avg sold price
    $487,710
    Median sold
    $469,500
    Avg days on market
    43
    Recently sold
    72
    See comparable sales
    Walk through online
    Listing agent has provided two interactive tours
    Open virtual tourWatch video tour
    AI highlights by Zara
    • Warm, bright, beautifully updated, and full of the kind of charm that never goes out of style.
    • Sage green accents, timeless shaker-style cabinetry, white tile backsplash, stainless steel appliances, and glass-front uppers over a casual breakfast bar perfect for sitting on stools over a cup of coffee.
    • Upstairs, you'll find 3 spacious bedrooms plus a full bathroom with stackable laundry (2022) conveniently located on the same level because honestly, life is just easier that way.
    • Then there's the backyard: 128 feet deep, private, fenced (2023), and centred around an incredible 370 sq.ft. two-tiered deck that was practically made for warm summer nights.
    Ask Zara a follow-up
    Sewer
  2. Parking & garage

    3
    Garage
    None
    Parking spaces
    4
    Driveway
    Private
  3. Interior

    5
    Basement
    Full
    Family room
    N
    Kitchens
    1
    Total rooms
    9
    Laundry level
    Upper Level
  4. Exterior & construction

    4
    Exterior
    Vinyl Siding
    Roof
    Asphalt Shingle
    Foundation
    Stone
    Pool
    None
  5. Listing & possession

    3
    Occupancy
    Longer Closing Preferred
    Property style
    2-Storey
    Property class
    Detached
  6. Room-by-room · 9 rooms

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

    Room dimensions

    Main level

    4 rooms
    • Dining Room
      overlooks backyard · vinyl floor · crown moulding
      15.3 × 11.3 ft
    • Living Room
      picture window · vinyl floor · crown moulding
      14.5 × 12.3 ft
    • Kitchen
      stainless steel appl · w/o to deck
      15.6 × 11.0 ft
    • Foyer
      vinyl floor · wainscoting · staircase
      12.2 × 6.8 ft

    Second level

    5 rooms
    • Bedroom
      closet · overlooks backyard · vinyl floor
      12.5 × 11.5 ft
    • Bedroom 2
      closet · vinyl floor
      12.2 × 8.0 ft
    • Office
      Vinyl Floor
      6.0 × 2.9 ft
    • Bathroom
      3 pc bath · combined w/laundry · wainscoting
      12.5 × 9.4 ft
    • Bedroom 3
      b/i closet · vinyl floor
      12.2 × 9.4 ft
  7. School
  8. School Bus Route
  9. Combined estimate
    $2,364
    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 detacheds that just sold in Owen Sound

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

    • 2022 7th Avenue
      Sold
      Sign in for price
      2022 7th Avenue
      Detached
    • 2669 3rd Avenue
      Sold
      Sign in for price
      2669 3rd Avenue
      Detached
    • 714 4th Avenue
      Sold
      Sign in for price
      714 4th Avenue
      Detached
    • 662 7th Avenue
      Sold
      Sign in for price
      662 7th Avenue
      Detached
    • 501 14th Street
      Sold
      Sign in for price
      501 14th Street
      Detached
    • 210 5th A Avenue
      Sold
      Sign in for price
      210 5th A Avenue
      Detached
    AddressBd / BaSqftSold$/sqft% of askSold
    538 12th Street WThis home3 / 111,001,500$419,900ask———
    2022 7th Avenue3 / 21,100—
    2669 3rd Avenue3 / 1700—
    Sold prices are hidden under TRREB rules. Sign in to reveal them.

    More detacheds in Owen Sound

    Active listings within ±20% of this asking price.

    • 1670 3rd Avenue
      $449,000
      1670 3rd Avenue
      Detached 3 2
    • 2204 7th Avenue
      $399,000
      2204 7th Avenue
      Detached 2 2
    • 206 6th Avenue
      $495,000
      206 6th Avenue
      Detached 3 2
    • 425 2nd Avenue
      $499,900
      425 2nd Avenue
      Detached 4 1
    • 1671 4th Avenue
      $354,000
      1671 4th Avenue
      Detached 2 1
    • 1318 3rd Avenue
      $359,000
      1318 3rd Avenue
      Detached 4 1
    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.

  10. One team, no handoffs

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

  11. Showings on YOUR schedule

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

  12. Mortgage that closes

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

  13. Public listing courtesy of Keller Williams Experience Realty · displayed on Summitly per MLS® data-share rules

    538 12th Street W is a 3-bedroom, 1-bath, 1100-1500 sqft. Full room dimensions and floor breakdown are in the 'Rooms' section of this page.

  14. When was 538 12th Street W built?

    The year built for 538 12th Street W isn't published in this MLS® feed — ask a Summitly realtor for the construction year from the seller's disclosure.

  15. What is the property tax for 538 12th Street W?

    The 'Property tax' tab in the History section shows the most recent annual tax for 538 12th Street W plus a 5-year breakdown with YoY % change. Monthly equivalent is shown alongside.

  16. How much would the monthly mortgage be on 538 12th Street W?

    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.

  17. Has 538 12th Street W been sold before?

    The 'Listing history' tab above lists every previous MLS® listing of 538 12th Street W with its list date, sold price (when sold), and final status. Each row is colour-coded with price-change arrows.

  18. What neighbourhood is 538 12th Street W in?

    538 12th Street W is in Owen Sound, Owen Sound. The 'Neighbourhood' section below links to the live Owen Sound real estate hub with average sold price, days on market, and current inventory.

  19. Is Owen Sound a good place to live?

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

  20. 714 4th Avenue
    5 / 3
    2,000
    —
    662 7th Avenue3 / 21,100—
    501 14th Street3 / 11,100—
    210 5th A Avenue3 / 21,100—