71 Stephen St is a 3-bedroom, 2-bathroom duplex in Smiths Falls, listed for $489,900. It has 1100-1500 sq ft of living space.
1This up/down duplex offers 3 bedrooms upstairs with a 4- piece bathroom, a kitchen, laundry closet, a dining area, a living room and mudroom entrance.
2The lower level adds a second self-contained suite with 2 more bedrooms, a 2nd kitchen, another living room and dining area plus a 4- piece bathroom.
Vacant upper unit, tenanted lower unit. Good upside potential here. This up/down duplex offers 3 bedrooms upstairs with a 4- piece bathroom, a kitchen, laundry closet, a dining area, a living room and mudroom entrance. The lower level adds a second self-contained suite with 2 more bedrooms, a 2nd kitchen, another living room and dining area plus a 4- piece bathroom. The home has 2 100-amp breaker panels, each unit with its own meter. Steel roofing (2022). One new hot water tank in 2014 and one in 2024. This is a great opportunity to live in and rent one suite or rent both units. An easy managed lot with parking on the side. Lower suite is currently tenanted and is being sold with a Buyer assuming the tenancy. Tenant paying $1100/month plus Hydro (heat) on a 1year lease through to Sept 30, 2026. Good sized yard. Parking for 4 vehicles. Steel roofing too. Note: Photos available only for the upper vacant unit. Lower level tenant is good and tidy but requested privacy.
3 bedrooms, 2 bathrooms, about 1,100 sq ft, works out to roughly $445 per square foot. Chat with Zara if you'd like a deeper read on whether this duplex fits your budget and timing.
Inside 71 Stephen St
Every detail from the listing, in one place.
Type
Duplex
Style
2-Storey
Living space
1100-1500 sq ftas stated on the listing
Parking
4 spaces
Basement
Apartment, Finished
Features & systems
Parking & garage
Parking spaces
4
Interior
Basement
Apartment · Finished
Lot & land
Lot size (sqft)
0
Listing & possession
Property style
2-Storey
Property class
Duplex
71 Stephen St Price & Sale History
Earlier listings of this property, list-price changes, and the most recent annual property tax on the listing.
Independent mortgage broker · OAC · rates subject to change and underwritingMortgage Squad →
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Monthly cost
Enter a rate to see the monthly cost
An estimate, not a quote. Utilities and insurance are extra.
Affordability calculator
Estimated monthly payment
$2,407
/mo
based on the purchase price of $489,900
$97,980 cash
$391,920 financed
$330,100 total interest
Principal54%$391,920
Interest46%$330,100
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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Similar homes for sale nearby in Smiths Falls
Other 4–7 bed homes for sale in Smiths Falls around $490K.
Average days on market54Homes sold in about 54 days on average.
Sale-to-list ratio96.3%On average, homes sold below asking.
Active listings84Homes for sale here right now.
Median vs prior 90 days−6.7%Compared with May 10 – Aug 8, 2026: prices down.
Based on 59 sales from Aug 8 – Nov 6, 2026 (50 in the prior 90 days). Aggregate MLS® figures for closed sales; individual sold prices are shown only to signed-in members.
Questions About 71 Stephen St
How much is 71 Stephen St listed for?
71 Stephen St is listed at $489,900 (MLS® X13790848). Summitly updates the price as soon as the MLS® record changes.
Is $489,900 a good price for 71 Stephen St?
Summitly rates it Well Above Market: the asking price is 15% or more above Zara's estimate, an estimate built from recent sales in Smiths Falls. The rating is an automated opinion, not an appraisal; "What's it worth?" on this page shows how it is worked out. See Zara's estimate
Has the price of 71 Stephen St changed?
Yes — it was first listed at $499,900 and is now $489,900, a drop of $10,000 (2.0%).
How many bedrooms and bathrooms does 71 Stephen St have?
71 Stephen St has 3 bedrooms and 2 bathrooms, with about 1,100–1,500 square feet of living space. It is a duplex in Smiths Falls.
How much would the monthly mortgage be on 71 Stephen St?
About $2,407 a month — principal and interest on $489,900 with 20% down ($97,980), a 25-year amortization and an assumed 5.5% interest rate. The mortgage calculator on this page lets you change the down payment, amortization and rate.
Are there open houses at 71 Stephen St?
Yes — Saturday, November 7, 11:00 AM – 1:00 PM. Open-house times come from the listing brokerage and can change, so check this page before you go, or book a private viewing.
How does 71 Stephen St compare with other homes in Smiths Falls?
Its asking price of $489,900 is about 32% above the median sold price in Smiths Falls over the last 90 days, $370,000, across 59 closed sales on the TRREB MLS®. A city median mixes every type and size of home, so the comparable sales on this page are the closer guide.
Has 71 Stephen St been sold before?
Summitly has no earlier MLS® sale or lease of 71 Stephen St on record from the last two years. Older records aren't shown under TRREB rules.
Where is 71 Stephen St?
71 Stephen St is in Smiths Falls, ON. Schools, transit, parks and shops nearby are under Location & lifestyle on this page.
How long has 71 Stephen St been on the market?
51 days — 71 Stephen St was listed on September 16, 2026.
What is the price per square foot of 71 Stephen St?
About $327 to $445 per square foot: the asking price of $489,900 over the 1,100–1,500 sq ft the listing gives as its size range.
