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Coldwell Banker Summit Realty

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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 3 days ago

    78 Spruce Street

    Machin, ON·P0V 2V0·Near Heading West on Highway 17, turn Left on Spruce Street, property on the right hand side next to COOP.

      0
    • Commercial
    Machin real estate›X13250838
    • 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

    78 Spruce Street, Vermilion Bay, ON – Mixed-Use Commercial/Residential This 2,574 +/- sq. ft. mixed-use building is ideally located in the heart of Vermilion Bay, offering an exceptional opportunity for those seeking both commercial and residential space. The main floor features approximately 856 sq. ft. of versatile commercial space, perfect for a small business or retail operation, with convenient access to a shared bathroom and lunch area on the second floor. The residential component spans the second and third floors. The second floor includes two spacious bedrooms and a large laundry area, while the third floor boasts a bright and airy living area with a natural gas stove, a separate kitchen and dining space, and south-facing views overlooking Eagle Lake. This property is ideal for anyone looking to run a home-based business while enjoying comfortable living quarters above. Situated close to local amenities including the public school, recreation centre, ball diamonds, and just minutes from the public boat launch at Government Dock, it also sits right next door to the CO-OP, providing unmatched convenience. Don’t miss this rare opportunity to combine business and residential living in one central Vermilion Bay location.

    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
    May 20, 2026ListedCurrentFor sale$199,500 —X13250838This 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
      Other
      Air conditioning
      Other
      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.

    📍 78 Spruce 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
    $980
    20% down · 25y · 5.50% — adjust below ↓
    Est. monthly property tax
    $156
    0.94% mill rate · ON
    The market

    How this home sits in the Machin market

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

    The Machin market right now

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

    • Avg sold price
      $119,900
      Last 30 days
    • Median sold price
      $119,900
      Middle of the market
    • Days on market
      16 d
      Avg from list to close
    • Closed last 30d
      1
      MLS® transactions
    Full Machin market report
    Buy with Coldwell Banker Summit Realty

    We'll get you into 78 Spruce 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 78 Spruce 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 78 Spruce Street listed for?

      78 Spruce Street is listed at $199,500 on the MLS® (listing X13250838). The price refreshes on Summitly within minutes of any MLS® change.

    • How many bedrooms, bathrooms, and square feet does 78 Spruce 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. < .50 ac lot
  2. Asking
    $199,500
    MLS® X13250838
    Chat Zara
  3. Zara AI Estimate
    Live · refreshes nightly
    Estimated value
    $119,900
    $110,308Confidence range$129,492
    Asking vs estimate
    ↑↑well-above
    +$79,600
    (+66.4%)
    Asking is well above
    Run the affordability numbers

    Based on the city's average sold price (limited data on this listing).

    Market analytics

    Homes like this in Machin sell in about 16 days — this one has been listed 3 days.

    Avg sold price
    $119,900
    Median sold
    $119,900
    Avg days on market
    16
    Recently sold
    1
    See comparable sales
    The main floor features approximately 856 sq. ft. of versatile commercial space, perfect for a small business or retail operation, with convenient access to a shared bathroom and lunch area on the second floor.
  4. The residential component spans the second and third floors.
  5. Ask Zara a follow-up
    Septic
  6. Parking & garage

    1
    Garage
    None
  7. Interior

    1
    Basement
    No
  8. Exterior & construction

    4
    Exterior
    Brick, Concrete
    Roof
    Asphalt Rolled
    Foundation
    Other
    Pool
    None
  9. Lot & land

    1
    Zoning
    General Commercial
  10. Listing & possession

    2
    Property style
    Other
    Property class
    Commercial
  11. Combined estimate
    $1,136
    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
    $980
    /mo
    based on the purchase price of $199,500
    $39,900 cash
    $159,600 financed
    $134,425 total interest
    Monthly payment$980/ month
    Principal54%$159,600
    Interest46%$134,425

    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.

    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.

  12. One team, no handoffs

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

  13. Showings on YOUR schedule

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

  14. Mortgage that closes

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

  15. Public listing courtesy of SUNSET COUNTRY REALTY INC. · displayed on Summitly per MLS® data-share rules

    78 Spruce Street is a commercial at Machin, ON. Full room dimensions and floor breakdown are in the 'Rooms' section of this page.

  16. When was 78 Spruce Street built?

    The year built for 78 Spruce Street isn't published in this MLS® feed — ask a Summitly realtor for the construction year from the seller's disclosure.

  17. What is the property tax for 78 Spruce Street?

    The 'Property tax' tab in the History section shows the most recent annual tax for 78 Spruce Street plus a 5-year breakdown with YoY % change. Monthly equivalent is shown alongside.

  18. How much would the monthly mortgage be on 78 Spruce Street?

    The affordability calculator on this page shows an estimated monthly mortgage for $199,500 at 20% down, 25-year amortization, and 5.5% rate. Adjust the sliders to model your own down payment and rate.

  19. Has 78 Spruce Street been sold before?

    The 'Listing history' tab above lists every previous MLS® listing of 78 Spruce Street with its list date, sold price (when sold), and final status. Each row is colour-coded with price-change arrows.

  20. What neighbourhood is 78 Spruce Street in?

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

  21. Is Machin a good place to live?

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