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Property Type: Detached HouseOwnership: Freehold
20 SARAH STREET
Orangeville, ON L9W2L8
MLS® W13717870
$499,000
2 bed1 bath4 parking
Property Details
Property & Lot
- Sub-type
- House
- Style
- Bungalow
- Stories
- 1
- Lot size
- 42.3 x 139.5 FT
- Frontage
- 42.3 feet
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,069 (2025)
Interior
- Basement
- Partially finished, N/A
- Heating
- Forced air, Natural gas
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Living room | Main level | — |
| Kitchen | Main level | — |
| Bedroom | Main level | — |
| Primary Bedroom | Main level | — |
| Bathroom | Main level | — |
| Laundry room | Lower level | — |
| Other | Lower level | — |
| Other | Lower level | — |
| Other | Lower level | — |
Description
Welcome to this charming semi-detached brick bungalow offering affordable living with plenty of potential! Ideally situated close to schools and providing an easy commute, this bright and cheerful 2-bedroom, 1-bathroom home is a wonderful opportunity for first-time buyers, downsizers, investors or those looking to add their own personal touch. The main level features a welcoming layout with large windows that fill the home with natural light, two good-sized bedrooms and a convenient 4-piece bathroom. Updated windows and doors add comfort and value, while the back entry provides easy access to the lower level. The spacious basement offers excellent versatility and is ready for your future plans. Partially finished with built-in shelving and cabinetry, it could easily become a workshop, craft room, home office, recreation room, storage area or "man cave." Laundry and a utility sink are conveniently located on this level. With its generous size and existing layout, there is also potential to explore an in-law suite or additional living space, subject to the required approvals. Step outside to enjoy the large, flat backyard, partially fenced for added privacy and lined with mature shade trees. The updated rear wooden patio provides a great spot to relax or entertain. Four storage sheds offer plenty of room for tools, equipment, gardening supplies and recreational toys. The paved driveway provides parking for up to four vehicles. A solid, well-maintained home may need some updates make this house your own, great outdoor space and exciting potential-an affordable opportunity! (id:63159)
Listing Information
- MLS®
- W13717870
- Tax assessment year
- 2025
- Data last synced
- October 15, 2026
MCCARTHY REALTY
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: MCCARTHY REALTY
MLS® Number: W13717870
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: 4 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: 5.0% ($24,950) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$399,200.00
Periodic payment — Principal & Interest (monthly)$2,575.50
Additional monthly expenses (condo fees, tax, utilities, etc.)$339.08
Total monthly cost$2,914.59
Interest paid over 5-yr term$114,411.87
Balance at end of term$359,081.69
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$24,950
Stress test qualifying rate8.19%
Payment you must qualify for$3,675.66
Cash Needed at Closing
Minimum down payment$24,950
Estimated Land Transfer Tax (LTT)$6,455
Legal / closing costs (typical estimate)$1,500
Total cash needed$32,905
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.