99 Spencer St is a 5-bedroom, 4-bathroom fourplex in Bracebridge, listed for $1,289,900. It has 3500-5000 sq ft of living space.
1The main floor presents an ideal owner's unit with vaulted ceilings, sound-dampening insulation, fireplace, and beautiful bathroom with nice finishes.
2Secondary main floor 2 bedroom 1.5 bath unit has its own deck.
3Upper unit is a 3 bedroom 1.5 bathroom with private balcony.
Immaculately renovated and beautifully appointed with a uniquely functional and practical layout, this large in-town Bracebridge 4-plex exudes the kind of pride of ownership rarely found in a rental property. Fully tenanted with excellent income, and situated right in the heart of town within walking distance of downtown and the new library and arena. Central, yet tucked away on the corner of 2 quieter streets. The main floor presents an ideal owner's unit with vaulted ceilings, sound-dampening insulation, fireplace, and beautiful bathroom with nice finishes. Secondary main floor 2 bedroom 1.5 bath unit has its own deck. Upper unit is a 3 bedroom 1.5 bathroom with private balcony. Lower level 3 bedroom 1 bathroom unit has a walk-up to backyard and 2 living areas, one with fireplace. Ample parking. Zoned R4-19. Flat property with good sized yard. 4 separate hydro meters, upgraded 400 amp service with 4 x 100 amp panels. Gas furnace. On-site coin-operated laundry in communal area. Superb value for a savvy investor seeking a full-occupancy, turnkey rental operation in a fantastic location. Full municipal services including water, sewer, and gas. Lakeland fibre optic internet availability. Owned mechanicals. Integrated fire alarm system with wifi monitoring. Wifi-controlled thermostat. Walking distance to public transit. 7% cap rate.
5 bedrooms, 4 bathrooms, about 3,500 sq ft, works out to roughly $369 per square foot. Chat with Zara if you'd like a deeper read on whether this fourplex fits your budget and timing.
Inside 99 Spencer St
Every detail from the listing, in one place.
Type
Fourplex
Style
1 1/2 Storey
Living space
3500-5000 sq ftas stated on the listing
Parking
6 spaces
Basement
Apartment, Full
Features & systems
Parking & garage
Parking spaces
6
Interior
Basement
Apartment · Full
Lot & land
Lot size (sqft)
12896
Listing & possession
Property style
1 1/2 Storey
Property class
Fourplex
99 Spencer St Price & Sale History
Earlier listings of this property, list-price changes, and the most recent annual property tax on the listing.
For saleListedThis listingMLS® X13719946$1,289,900
Sourced from MLS®. Includes earlier listings of this property on record.
What's it worth?
How 99 Spencer St Compares to the Bracebridge Market
Zara compares it with recent sales of similar homes nearby. It's a guide, not an appraisal.
Independent mortgage broker · OAC · rates subject to change and underwritingMortgage Squad →
Referral disclosure: Summitly may refer you to Mortgage Squad Advisors, an affiliated mortgage partner. You are free to choose any lender or mortgage professional.
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
$6,337
/mo
based on the purchase price of $1,289,900
$257,980 cash
$1,031,920 financed
$869,147 total interest
Principal54%$1,031,920
Interest46%$869,147
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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Mortgage financing is arranged through Mortgage Squad Advisors. Summitly is the technology platform that powers this site. Estimated values, AI insights, calculator results, and rental projections shown on this page are generated by Summitly and are not provided by, reviewed by, or sourced from TRREB, the MLS®, or the listing brokerage; they are not appraisals or opinions of value. 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.
Keep looking near 99 Spencer St
Homes for sale in Bracebridge
Every active Bracebridge MLS® listing, updated all day.
Average days on market39Homes sold in about 39 days on average.
Sale-to-list ratio95.3%On average, homes sold below asking.
Active listings216Homes for sale here right now.
Median vs prior 90 days+12.1%Compared with Apr 25 – Jul 24, 2026: prices up.
Based on 151 sales from Jul 24 – Oct 22, 2026 (83 in the prior 90 days). Aggregate MLS® figures for closed sales; individual sold prices are shown only to signed-in members.
Questions About 99 Spencer St
How much is 99 Spencer St listed for?
99 Spencer St is listed at $1,289,900 (MLS® X13719946). Summitly updates the price as soon as the MLS® record changes.
Is $1,289,900 a good price for 99 Spencer St?
Summitly rates it Excellent Deal: the asking price is 10% or more below Zara's estimate, an estimate built from recent sales in Bracebridge. 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 99 Spencer St changed?
No — 99 Spencer St is still listed at its original asking price of $1,289,900.
How many bedrooms and bathrooms does 99 Spencer St have?
99 Spencer St has 5 bedrooms and 4 bathrooms, with about 3,500–5,000 square feet of living space. It is a fourplex in Bracebridge.
How much would the monthly mortgage be on 99 Spencer St?
About $6,337 a month — principal and interest on $1,289,900 with 20% down ($257,980), 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.
How does 99 Spencer St compare with other homes in Bracebridge?
Its asking price of $1,289,900 is about 98% above the median sold price in Bracebridge over the last 90 days, $649,900, across 151 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 99 Spencer St been sold before?
Summitly has no earlier MLS® sale or lease of 99 Spencer St on record from the last two years. Older records aren't shown under TRREB rules.
Where is 99 Spencer St?
99 Spencer St is in Bracebridge, ON. Schools, transit, parks and shops nearby are under Location & lifestyle on this page.
How long has 99 Spencer St been on the market?
57 days — 99 Spencer St was listed on August 26, 2026.
What is the price per square foot of 99 Spencer St?
About $258 to $369 per square foot: the asking price of $1,289,900 over the 3,500–5,000 sq ft the listing gives as its size range.
Does 99 Spencer St have parking or a garage?
Yes — the listing gives 6 parking spaces.
Does 99 Spencer St have a basement, and is it finished?
The listing describes the basement as: Apartment, Full.
