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Property Type: Detached HouseOwnership: Freehold
12 STEVEN STREET
Orangeville, ON L9W4G1
MLS® W13798932
$665,000
4 bed3.5 bath3 parking
Property Details
Property & Lot
- Sub-type
- House
- Style
- Raised bungalow
- Stories
- 1
- Lot size
- 36.8 x 104 FT
- Frontage
- 36.9 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,705 (2026)
Interior
- Basement
- None
- Heating
- Forced air, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Great room | Ground level | — |
| Primary Bedroom | Ground level | — |
| Laundry room | Ground level | — |
| Kitchen | Upper Level | — |
| Living room | Upper Level | — |
| Primary Bedroom | Upper Level | — |
| Bedroom 2 | Upper Level | — |
| Bedroom 3 | Upper Level | — |
| Laundry room | Main level | — |
Description
Incredible Investment Opportunity...This Legal registered 2 unit semi-detached, raised bungalow offers 2 bright, spacious, fully self contained, above grade apartments. Ideal for multi-generational living...enjoying rental income while occupying your own private space.... or investment. Tucked away on a quiet court the property features a wide driveway, a charming front porch as well as a new upgraded garage door (AGDO). A convenient shared common area provides separate access to both units, added storage and direct garage entry leading to the shared laundry room. The Ground level apartment is inviting and completely renovated 6 years ago. It showcases an open concept living, dining and kitchen area with updated laminate flooring through-out and a generous 3-pc bath. A large glass sliding door leads to the fenced back yard complete with shed. The upper 3 bedroom apartment has enjoyed a series of quality upgrades including an updated bathroom with stylish quartz top vanity and a complete new shower install. Freshly painted through-out this unit features an eat-in kitchen with updated cabinetry and backsplash, large open living/dining area with picture window. The primary bedroom has walk in closet as well as a 2 piece ensuite. 2 additional nicely sized bedrooms with over sized vinyl windows complete the upper level. Main Level common Laundry (off Garage) is equipped with high efficiency gas furnace and air conditioning (2026) water softener and new washer and dryer. (id:63161)
Listing Information
- MLS®
- W13798932
- Tax assessment year
- 2026
- Data last synced
- October 22, 2026
ROYAL LEPAGE RCR REALTY
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: ROYAL LEPAGE RCR REALTY
MLS® Number: W13798932
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 Toronto Regional Real Estate Board.
Values & Trends
This listing
—
Building average
—
No other active listings in this building
Orangeville average
$448/sqft
4 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
6°C
—
Humidity 100%
Wind NE 4 km/h
Tonight
7°
Thursday
20°
Thursday night
6°
Friday
12°
Friday night
-1°
Saturday
13°
Source: Environment and Climate Change Canada.
Population
30,167
(2021 Census)
+4.4% since 2016
Density: 1,989.9/km²
Dwellings:
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Mortgage & Ownership Cost Calculator
Minimum required: 6.2% ($41,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$532,000.00
Periodic payment — Principal & Interest (monthly)$3,432.28
Additional monthly expenses (condo fees, tax, utilities, etc.)$392.08
Total monthly cost$3,824.37
Interest paid over 5-yr term$152,472.73
Balance at end of term$478,535.72
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$41,500
Stress test qualifying rate8.19%
Payment you must qualify for$4,834.46
Cash Needed at Closing
Minimum down payment$41,500
Estimated Land Transfer Tax (LTT)$9,775
Legal / closing costs (typical estimate)$1,500
Total cash needed$52,775
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.
