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

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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 189 daysPrice drop · $60,000 off (-16.4%)

    98 Elmsley Street N

    Smiths Falls·Smiths Falls, ON·K7A 2H2·Near Elmsley St N & Beckwith St N

    • 5 beds
    Smiths Falls real estate›X12453280
    • 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

    Great investment opportunity in Smiths Falls - fully leased 3-unit property. In the front section of the building, the main floor (UNIT 1) is a 1-bedroom, 1-bathroom unit, while the upper level (UNIT 2) features a 2-bedroom, 1-bathroom unit. At the rear of the building (UNIT 3) is a 2-storey, 2-bedroom, 1-bathroom unit. The property includes parking for 3-4 cars in the driveway and a single garage for additional rental potential. Conveniently located close to shops, services, community recreation centre and hospital. Walking distance to Victoria Park. Separate (2) hydro and (2) gas meters for Units 1&2 and Unit 3 respectively. Property requires considerable renovation, a great opportunity to add value. Taxes and building area estimated.

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

    AI highlights by Zara
    • Great investment opportunity in Smiths Falls - fully leased 3-unit property.
    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
    Jul 14, 2026Price reducedCurrentReduced$305,000−$60,000 (16.4%)X12453280This page
    Oct 8, 2025ListedCurrentFor sale$365,000 —X12453280This page
    Jul 11, 2023SoldSold$325,000−$44,000 (11.9%)X9473710View
    Jun 27, 2023Previously listedSld$369,000 —X9473710View
    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
      None
      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.

    📍 98 Elmsley Street N
    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
    $1,498
    20% down · 25y · 5.50% — adjust below ↓
    Est. monthly property tax
    $335
    1.32% mill rate · ON
    The market

    How this home sits in the Smiths Falls market

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

    The Smiths Falls market right now

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

    • Avg sold price
      $436,474
      Last 30 days
    • Median sold price
      $422,500
      Middle of the market
    • Days on market
      54 d
      Avg from list to close
    • Closed last 30d
      64
      MLS® transactions
    Full Smiths Falls market report
    Buy with Coldwell Banker Summit Realty

    We'll get you into 98 Elmsley Street N — 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 98 Elmsley Street N 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 98 Elmsley Street N listed for?

      98 Elmsley Street N is listed at $305,000 on the MLS® (listing X12453280). The price refreshes on Summitly within minutes of any MLS® change.

    • How many bedrooms, bathrooms, and square feet does 98 Elmsley Street N 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. 3 baths
  2. 1500-2000 sqft
  3. Duplex
  4. Built 100+
  5. Asking
    $305,000
    $0 / sqft · MLS® X12453280
    Chat Zara
  6. Zara AI Estimate
    Live · refreshes nightly
    Estimated value
    $593,605
    $546,116Confidence range$641,093
    Asking vs estimate
    ↓below
    −$288,605
    (-48.6%)
    Asking is below estimate
    Run the affordability numbers

    Based on the city's average sold price, adjusted for 5 bedrooms (no sqft on file).

    Market analytics

    Homes like this in Smiths Falls sell in about 54 days — this one has been listed 189 days.

    Avg sold price
    $436,474
    Median sold
    $422,500
    Avg days on market
    54
    Recently sold
    64
    See comparable sales
    At the rear of the building (UNIT 3) is a 2-storey, 2-bedroom, 1-bathroom unit.
  7. The property includes parking for 3-4 cars in the driveway and a single garage for additional rental potential.
  8. Walking distance to Victoria Park.
  9. Ask Zara a follow-up
    Sewer
  10. Parking & garage

    4
    Garage
    Detached
    Garage spaces
    1
    Parking spaces
    4
    Driveway
    Available
  11. Interior

    7
    Basement
    Unfinished
    Family room
    N
    Kitchens
    3
    Total rooms
    12
    Laundry level
    Lower Level
    Elevator
    N
    Accessibility
    N
  12. Exterior & construction

    4
    Exterior
    Brick, Other
    Roof
    Asphalt Shingle
    Foundation
    Unknown
    Pool
    None
  13. Lot & land

    2
    Year built
    100+
    Zoning
    Residential Type 2 - R2
  14. Listing & possession

    3
    Occupancy
    Fleixble / Immediate
    Property style
    2-Storey
    Property class
    Duplex
  15. Room-by-room · 15 rooms

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

    Room dimensions

    Main level

    6 rooms
    • Bedroom
      11.0 × 11.5 ft
    • Living Room
      8.5 × 11.0 ft
    • Bathroom
      4 Pc Bath
      0.0 × 0.0 ft
    • Kitchen
      11.0 × 10.5 ft
    • Kitchen
      9.5 × 12.7 ft
    • Living Room
      10.3 × 13.2 ft

    Second level

    9 rooms
    • Bedroom
      10.6 × 9.5 ft
    • Bedroom
      11.0 × 7.5 ft
    • Bedroom 2
      9.0 × 7.9 ft
    • Living Room
      7.5 × 11.0 ft
    • Dining Room
      7.0 × 7.0 ft
    • Bathroom
      4 Pc Bath
      5.7 × 5.5 ft
    • Bedroom 2
      6.2 × 11.5 ft
    • Kitchen
      5.5 × 11.7 ft
    • Bathroom
      3 Pc Bath
      0.0 × 0.0 ft
    Combined estimate
    $1,833
    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
    $1,498
    /mo
    based on the purchase price of $305,000
    $61,000 cash
    $244,000 financed
    $205,512 total interest
    Monthly payment$1,498/ month
    Principal54%$244,000
    Interest46%$205,512

    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 duplexs that just sold in Smiths Falls

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

    • 11 & 13 BAYVIEW Crescent
      Sold
      Sign in for price
      11 & 13 BAYVIEW Crescent
      Duplex
    • 49-51 McGill Street
      Sold
      Sign in for price
      49-51 McGill Street
      Duplex
    • 9 -11 Jasper Avenue
      Sold
      Sign in for price
      9 -11 Jasper Avenue
      Duplex
    • 7 Jasper Avenue
      Sold
      Sign in for price
      7 Jasper Avenue
      Duplex
    • 55 Ogden Avenue
      Sold
      Sign in for price
      55 Ogden Avenue
      Duplex
    AddressBd / BaSqftSold$/sqft% of askSold
    98 Elmsley Street NThis home5 / 315,002,000$305,000ask———
    11 & 13 BAYVIEW Crescent5 / 22,500—
    49-51 McGill Street6 / 32,500—
    Sold prices are hidden under TRREB rules. Sign in to reveal them.

    More duplexs in Smiths Falls

    Active listings within ±20% of this asking price.

    • 30 William Street
      $334,900
      30 William Street
      Duplex 4 2
    • 4-6 Market Street
      $249,000
      4-6 Market Street
      Duplex 6 2
    • 178 Chambers Street
      $339,900
      178 Chambers Street
      Duplex 5 2
    • 137 Beckwith Street
      $289,000
      137 Beckwith Street
      Duplex 5 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 SOLID ROCK REALTY · displayed on Summitly per MLS® data-share rules

    98 Elmsley Street N is a 5-bedroom, 3-bath, 1500-2000 sqft. Full room dimensions and floor breakdown are in the 'Rooms' section of this page.

  20. When was 98 Elmsley Street N built?

    98 Elmsley Street N was built in 100+. Construction style, foundation, roof material, and EnerGuide rating (when published) are in the 'Features' section above.

  21. What is the property tax for 98 Elmsley Street N?

    The 'Property tax' tab in the History section shows the most recent annual tax for 98 Elmsley Street N plus a 5-year breakdown with YoY % change. Monthly equivalent is shown alongside.

  22. How much would the monthly mortgage be on 98 Elmsley Street N?

    The affordability calculator on this page shows an estimated monthly mortgage for $305,000 at 20% down, 25-year amortization, and 5.5% rate. Adjust the sliders to model your own down payment and rate.

  23. Has 98 Elmsley Street N been sold before?

    The 'Listing history' tab above lists every previous MLS® listing of 98 Elmsley Street N with its list date, sold price (when sold), and final status. Each row is colour-coded with price-change arrows.

  24. What neighbourhood is 98 Elmsley Street N in?

    98 Elmsley Street N is in Smiths Falls, Smiths Falls. The 'Neighbourhood' section below links to the live Smiths Falls real estate hub with average sold price, days on market, and current inventory.

  25. Is Smiths Falls a good place to live?

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

  26. 9 -11 Jasper Avenue
    6 / 2
    1,500
    —
    7 Jasper Avenue6 / 21,500—
    55 Ogden Avenue4 / 21,500—