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Property Type: Detached HouseOwnership: Freehold
235 WILLIAM Street
Elmira, ON N3B0B4
MLS® 40864999
$839,900
4 bed4.5 bath3 parking2,784 sqftBuilt 2017
Property Details
Property & Lot
- Sub-type
- House
- Style
- Other
- Stories
- 2
- Frontage
- 37 feet
R-5A
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $5,667.05
Interior
- Basement
- Finished, Full
- Heating
- Forced air
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Utility room | Basement | 10'11'' x 11'11'' |
| Cold room | Basement | 10'1'' x 5'0'' |
| Recreation room | Basement | 24'3'' x 24'3'' |
| Utility room | Basement | 11'11'' x 11'11'' |
| Recreation room | Basement | 24'3'' x 24'3'' |
| Cold room | Basement | 5'0'' x 10'1'' |
| Bedroom | Second level | 11'5'' x 11'2'' |
| Bedroom | Second level | 11'7'' x 9'0'' |
| Primary Bedroom | Second level | 14'0'' x 11'6'' |
| Bedroom | Second level | 11'7'' x 9'0'' |
| 4pc Bathroom | Basement | 5'4'' x 7'10'' |
| 3pc Bathroom | Second level | — |
| Den | Second level | 5'9'' x 10'3'' |
Description
Modern simplicity meets small-town charm at this beautiful family home. Surrounded by everyday amenities while offering the warmth and ease of a close knit community, this home features 4 bedrooms, 3.5 bathrooms, main floor laundry and a fully finished basement. Step inside to a bright and welcoming main level with plenty of space for both a formal dining area and a comfortable living room. The modern kitchen offers generous cabinet space, island seating and a dedicated dinette with a walkout to the backyard patio and gazebo. Just off the garage, a convenient mudroom with a laundry closet adds functionality to the main floor. Upstairs, you’ll find four generously sized bedrooms, including a spacious primary bedroom with its own 3pc ensuite, along with a full main bathroom. A separate den adds even more versatility without sacrificing one of the bedrooms ideal for a home office, reading nook, homework station or play area. The living space continues downstairs into a fully finished basement. This level features a large recreation area and a versatile extra space perfect for a home gym. Completing the lower level is a 4pc washroom and a dedicated cold room. And for families, the location makes everyday routines that much easier. With the public school directly across the street, long morning drop-offs can become a thing of the past. Even better, with no street parking permitted along William Street during school hours, you can enjoy the convenience of having the school just steps away without rows of parked cars lining the street. Steps to parks, trails, the farmers market (Saturdays), shops and dining, with golf, curling and Woolwich Memorial Centre also nearby. Modern finishes, functional spaces and room for every stage of family life, all with the simplicity of small town living. This is a home designed to make everyday life feel just a little easier. *One image of the gym has been virtually staged to illustrate the extent of the space and its potential. (id:63159)
Listing Information
- MLS®
- 40864999
- Data last synced
- October 20, 2026
Royal LePage Wolle Realty
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Royal LePage Wolle Realty
MLS® Number: 40864999
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
$302/sqft
Building average
—
No other active listings in this building
550 - Elmira average
$379/sqft
20 active listing(s)
Parking: 3 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: Guelph
5°C
—
Humidity 95%
Wind NNE calm km/h
Tonight
6°
Thursday
19°
Thursday night
6°
Friday
12°
Friday night
-2°
Saturday
14°
Source: Environment and Climate Change Canada.
Nearby Places
Parks (3)
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Mortgage & Ownership Cost Calculator
Minimum required: 7.0% ($58,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$671,920.00
Periodic payment — Principal & Interest (monthly)$4,335.00
Additional monthly expenses (condo fees, tax, utilities, etc.)$611.25
Total monthly cost$4,946.25
Interest paid over 5-yr term$192,574.20
Balance at end of term$604,394.21
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$58,990
Stress test qualifying rate8.19%
Payment you must qualify for$6,054.97
Cash Needed at Closing
Minimum down payment$58,990
Estimated Land Transfer Tax (LTT)$13,273
Legal / closing costs (typical estimate)$1,500
Total cash needed$73,763
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.
