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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 — RECO Registration #6018570.

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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 224 daysPrice drop · $65,000 off (-9.0%)

    6 Spencer Street S

    ·Edwardsburgh/Cardinal, ON··

    • 3 beds
    Edwardsburgh/Cardinal real estate›X12399147
    • 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

    Welcome to 6 Spencer St, a stunning 1837 stone building offering an exceptional mixed-use residential and commercial opportunity in the heart of historic Spencerville. With approximately $230,000 in recent renovations and improvements completed, this beautiful building has been thoughtfully enhanced while preserving its timeless character and charm. The main level offers a spacious inviting layout with two bright, open living areas, a completely updated and modernized kitchen, a powder room, and was most recently operated at a popular cafe-deli, complete with welcoming interior and sunny outdoor terrace-making it ideal for a variety of business ventures including retail, cafe, studio space, professional services or boutique hospitality. The second level provides three generous bedrooms, a kitchenette (which could be an additional bedroom) and full bathroom, offering a potential for a comfortable private living space, staff accommodations, or additional office space. The attic presents further untapped potential for those looking to expand or customize the space. The lower level offers lots of space for storage. Positioned in a fantastic location, this property benefits from steady local traffic and convenient access to Hwy 416, under 20 minutes to Kemptville and less than an hour to Ottawa. Whether you're an entrepreneur looking for a live-work property or an investor seeking flexible zoning, or a buyer drawn to historic character with modern upgrades this property is the perfect spot!

    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
    Jul 23, 2026Price reducedCurrentReduced$660,000−$65,000 (9.0%)X12399147This page
    May 1, 2026Previously listedSc$645,000 —X13066776View
    Sep 12, 2025ListedCurrentFor sale$725,000 —X12399147This 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

      5
      Heating
      Radiant
      Air conditioning
      None
      Fireplaces
      2
      Water source
    Location & lifestyle

    Getting around, schools & the block

    Walkability and transit, the nearest schools, an interactive map of the exact spot, and what's nearby.

    📍 6 Spencer Street S
    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
    $3,242
    20% down · 25y · 5.50% — adjust below ↓
    Est. monthly property tax
    $194
    0.35% mill rate · ON
    The market

    How this home sits in the Edwardsburgh/Cardinal market

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

    The Edwardsburgh/Cardinal market right now

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

    • Avg sold price
      $551,816
      Last 30 days
    • Median sold price
      $444,950
      Middle of the market
    • Days on market
      58 d
      Avg from list to close
    • Closed last 30d
      28
      MLS® transactions
    Full Edwardsburgh/Cardinal market report
    Buy with Coldwell Banker Summit Realty

    We'll get you into 6 Spencer Street S — 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 6 Spencer Street S 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 6 Spencer Street S listed for?

      6 Spencer Street S is listed at $660,000 on the MLS® (listing X12399147). The price refreshes on Summitly within minutes of any MLS® change.

    • How many bedrooms, bathrooms, and square feet does 6 Spencer Street S 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. 2 baths
  2. 3000-3500 sqft
  3. Detached
  4. Asking
    $660,000
    $0 / sqft · MLS® X12399147
    Chat Zara
  5. Zara AI Estimate
    Live · refreshes nightly
    Estimated value
    $551,816
    $507,671Confidence range$595,961
    Asking vs estimate
    ↑↑well-above
    +$108,184
    (+19.6%)
    Asking is well above
    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 Edwardsburgh/Cardinal sell in about 58 days — this one has been listed 224 days.

    Avg sold price
    $551,816
    Median sold
    $444,950
    Avg days on market
    58
    Recently sold
    28
    See comparable sales
    Walk through online
    Listing agent has provided two interactive tours
    Open virtual tourWatch video tour
    AI highlights by Zara
    • The attic presents further untapped potential for those looking to expand or customize the space.
    • The lower level offers lots of space for storage.
    Ask Zara a follow-up
    Well
    Sewer
    Sewer
  6. Parking & garage

    3
    Garage
    None
    Parking spaces
    5
    Driveway
    5
  7. Interior

    5
    Basement
    Full, Partial Basement
    Family room
    N
    Kitchens
    1
    Total rooms
    10
    Laundry level
    Lower Level
  8. Exterior & construction

    4
    Exterior
    Stone
    Roof
    Metal, Tar and Gravel
    Foundation
    Stone
    Pool
    None
  9. Lot & land

    1
    Zoning
    Residential/Commercial
  10. Listing & possession

    3
    Occupancy
    TBD
    Property style
    2-Storey
    Property class
    Detached
  11. Room-by-room · 13 rooms

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

    Room dimensions

    Main level

    7 rooms
    • Dining Room
      15.7 × 10.7 ft
    • Powder Room
      7.5 × 6.3 ft
    • Great Room
      29.0 × 16.0 ft
    • Foyer
      8.4 × 4.8 ft
    • Kitchen
      16.6 × 15.7 ft
    • Mud Room
      11.9 × 8.7 ft
    • Family Room
      16.3 × 15.6 ft

    Second level

    6 rooms
    • Bedroom
      14.5 × 10.9 ft
    • Bedroom
      14.4 × 10.9 ft
    • Bathroom
      10.8 × 7.6 ft
    • Office
      16.2 × 9.2 ft
    • Primary Bedroom
      15.8 × 11.2 ft
    • Den
      10.8 × 7.9 ft
    Combined estimate
    $3,436
    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
    $3,242
    /mo
    based on the purchase price of $660,000
    $132,000 cash
    $528,000 financed
    $444,715 total interest
    Monthly payment$3,242/ month
    Principal54%$528,000
    Interest46%$444,715

    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 Edwardsburgh/Cardinal

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

    • 73 Adelaide St S Street
      Sold
      Sign in for price
      73 Adelaide St S Street
      Detached
    • 503 Brouseville Road
      Sold
      Sign in for price
      503 Brouseville Road
      Detached
    • 2213 County Rd 21 Road
      Sold
      Sign in for price
      2213 County Rd 21 Road
      Detached
    • 483 Victoria Street
      Sold
      Sign in for price
      483 Victoria Street
      Detached
    • 3004 Walker Street
      Sold
      Sign in for price
      3004 Walker Street
      Detached
    • 2802 County Road 21 Road
      Sold
      Sign in for price
      2802 County Road 21 Road
      Detached
    AddressBd / BaSqftSold$/sqft% of askSold
    6 Spencer Street SThis home3 / 230,003,500$660,000ask———
    73 Adelaide St S Street3 / 2700—
    503 Brouseville Road3 / 11,100—
    Sold prices are hidden under TRREB rules. Sign in to reveal them.

    More detacheds in Edwardsburgh/Cardinal

    Active listings within ±20% of this asking price.

    • 719 County Road 2 Road
      $629,900
      719 County Road 2 Road
      Detached 5 2
    • 7005 Millar Road
      $599,900
      7005 Millar Road
      Detached 4 2
    • 17 Albert Street
      $649,500
      17 Albert Street
      Detached 3 3
    • 130 Bay Lane
      $584,900
      130 Bay Lane
      Detached 3 2
    • 1300 Brouseville Road
      $749,000
      1300 Brouseville Road
      Detached 3 1
    • 2111 COUNTY ROAD 2 Road
      $574,900
      2111 COUNTY ROAD 2 Road
      Detached 4 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.

  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 ROYAL LEPAGE TEAM REALTY · displayed on Summitly per MLS® data-share rules

    6 Spencer Street S is a 3-bedroom, 2-bath, 3000-3500 sqft. Full room dimensions and floor breakdown are in the 'Rooms' section of this page.

  16. When was 6 Spencer Street S built?

    The year built for 6 Spencer Street S 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 6 Spencer Street S?

    The 'Property tax' tab in the History section shows the most recent annual tax for 6 Spencer Street S plus a 5-year breakdown with YoY % change. Monthly equivalent is shown alongside.

  18. How much would the monthly mortgage be on 6 Spencer Street S?

    The affordability calculator on this page shows an estimated monthly mortgage for $660,000 at 20% down, 25-year amortization, and 5.5% rate. Adjust the sliders to model your own down payment and rate.

  19. Has 6 Spencer Street S been sold before?

    The 'Listing history' tab above lists every previous MLS® listing of 6 Spencer Street S with its list date, sold price (when sold), and final status. Each row is colour-coded with price-change arrows.

  20. What neighbourhood is 6 Spencer Street S in?

    6 Spencer Street S is in Edwardsburgh/Cardinal Twp, Edwardsburgh/Cardinal. The 'Neighbourhood' section below links to the live Edwardsburgh/Cardinal real estate hub with average sold price, days on market, and current inventory.

  21. Is Edwardsburgh/Cardinal a good place to live?

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

  22. 2213 County Rd 21 Road
    4 / 3
    1,100
    —
    483 Victoria Street3 / 21,100—
    3004 Walker Street3 / 22,000—
    2802 County Road 21 Road3 / 11,100—