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Property Type: Detached HouseOwnership: Freehold
11 GREY OWL Drive
Elmira, ON N3B1S4
MLS® 40863582
$999,900
4 bed3.5 bath6 parking3,073 sqftBuilt 1975
Property Details
Property & Lot
- Sub-type
- House
- Style
- Other
- Stories
- 3
- Lot size
- 0.23 acres
- Frontage
- 82 feet
R2
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $5,715.59
Interior
- Basement
- Finished, Full
- Heating
- Baseboard heaters, Forced air, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Utility room | Basement | 11'2'' x 14'8'' |
| Storage | Basement | 11'4'' x 28'6'' |
| Storage | Basement | 10'8'' x 8'10'' |
| Cold room | Basement | 7'6'' x 7'6'' |
| Recreation room | Basement | 13'3'' x 27'11'' |
| Bedroom | Basement | 11'4'' x 12'2'' |
| 2pc Bathroom | Lower level | — |
| Foyer | Lower level | 13'7'' x 7'0'' |
| Living room | Lower level | 11'5'' x 25'11'' |
| 3pc Bathroom | Second level | — |
| 4pc Bathroom | Second level | — |
| Bedroom | Second level | 16'5'' x 13'1'' |
| Bedroom | Second level | 13'0'' x 13'0'' |
| Primary Bedroom |
Description
This 4-bedroom, 3-bathroom side-split with a 2-car garage is set on a large lot on a quiet street in a mature Elmira neighbourhood. The main level includes a spacious entry, a powder room with laundry, & a family room with a gas fireplace. A sliding door leads from the family room to the backyard deck. The large eat-in kitchen offers plenty of cupboard space, generous work areas, & several windows that provide natural light. A formal dining room & spacious living room with a large front window provide additional space for everyday living & entertaining. Upstairs are 3 large bedrooms & a 4-piece main bathroom. The primary bedroom also includes a private 3-piece ensuite. The finished basement adds a large rec-room with a big window, a kitchenette, & a 4th bedroom, providing excellent potential for an in-law setup or separate living space. This level also includes 2 large crawl spaces, a cold room, & plenty of storage. Outside, the partially fenced backyard features a large deck, firepit, storage shed, mature trees, & plenty of space for kids, pets, gardening, or outdoor gatherings. This Elmira home is close to downtown shops, restaurants, schools, parks, & local services. The Woolwich Memorial Centre offers arenas, pools, a fitness centre, & a walking track. Nearby trails, the Woolwich off-leash dog park, parks, & open spaces provide several options for outdoor recreation. Commuters will appreciate the convenient access to Highway 85 for travel to Kitchener, Waterloo, & surrounding areas. (id:63159)
Listing Information
- MLS®
- 40863582
- Data last synced
- October 11, 2026
Re/Max Twin City Realty Inc.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Re/Max Twin City Realty Inc.
MLS® Number: 40863582
Listing data is sourced from CREA DDF®, the Canadian Real Estate Association (CREA) Data Distribution Facility. Listing information is deemed reliable but is not guaranteed accurate by CREA or the listing brokerage. Data provided courtesy of Cornerstone Association of REALTORS®.
Values & Trends
This listing
$325/sqft
Building average
—
No other active listings in this building
550 - Elmira average
$378/sqft
20 active listing(s)
Parking: 6 stall(s) includedStorage locker: Not indicated
Per-stall/locker dollar values aren't itemized in our data source — shown as included/not indicated only, not a fabricated estimate. $/sqft averages are computed live from other active listings, not a third-party model.
Location Insights
Weather
Nearest station: Cambridge
3°C
Fog
Humidity 98%
Wind NE calm km/h
Today
20°
Tonight
5°
Friday
12°
Friday night
-2°
Saturday
14°
Saturday night
3°
Source: Environment and Climate Change Canada.
Nearby Places
Restaurants (1)
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Mortgage & Ownership Cost Calculator
Minimum required: 7.5% ($74,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$799,920.00
Periodic payment — Principal & Interest (monthly)$5,160.81
Additional monthly expenses (condo fees, tax, utilities, etc.)$630.30
Total monthly cost$5,791.11
Interest paid over 5-yr term$229,259.37
Balance at end of term$719,530.63
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$74,990
Stress test qualifying rate8.19%
Payment you must qualify for$7,171.51
Cash Needed at Closing
Minimum down payment$74,990
Estimated Land Transfer Tax (LTT)$16,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$92,963
Minimum down payment: 5% on the first $500,000, 10% on the portion up to $1.5M, 20% at/above $1.5M. Stress test: OSFI's minimum qualifying rate, the greater of contract rate + 2% or 5.25% — this is what lenders require you to qualify at, not what you'll actually pay. Closing costs are a typical-range estimate, not a quote — actual legal fees vary. Land Transfer Tax is the Ontario provincial schedule, before any first-time buyer refund; only the City of Toronto charges a municipal land transfer tax on top, so none applies in the areas this site covers (Ontario Ministry of Finance, ontario.ca/document/land-transfer-tax, as of October 28, 2026). Verify all figures with a mortgage broker and lawyer before relying on them.
