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Property Type: Detached HouseOwnership: Freehold
35 ARTHUR STREET N
Woolwich, ON N3B1Z6
MLS® X13716838
$589,900
3 bed2 bath5 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 1.5
- Lot size
- 57.7 x 129.5 FT
- Frontage
- 57.8 feet
C1
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,604.1 (2026)
Interior
- Basement
- Unfinished, N/A
- Heating
- Heat Pump, Forced air, Natural gas
- Cooling / A/C
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Bathroom | Main level | — |
| Bedroom | Second level | — |
| Bedroom | Main level | — |
| Dining room | Main level | — |
| Kitchen | Main level | — |
| Living room | Main level | — |
| Office | Main level | — |
| Other | Main level | — |
| Bathroom | Second level | — |
| Bedroom | Second level | — |
Description
Elmira has that effect on people. You come for a look and start doing the math on how to make it work. It is a real town in the way that most places stopped being a long time ago, close enough to Waterloo Region to make sense, and genuinely worth the drive. The covered front porch and original red brick make an impression before you even get to the door. This is a 1922 century home that has been renovated without losing what made it worth saving in the first place. Inside, the main floor opens up in a way that surprises. Updated flooring and lighting carry through the space, the kitchen anchors without taking over, and the layout connects naturally without feeling carved up. There is a flex room off the main entry that works equally well as an office or an extra bedroom depending on what life actually requires right now. Two bedrooms and a full 4-piece bathroom sit upstairs, with a third bedroom and a 3-piece bathroom on the main floor. The right rooms in the right places. Out back, the outdoor entertaining space is set up properly. A custom pergola with string lights overhead and a slatted privacy wall lined with hanging planters creates the kind of separation from the outside world that takes some homes years to achieve. It is intimate, finished, and the kind of space you end up in every night without planning to. The home has been well looked after underneath, too. Plumbing and electrical updated throughout, heat pump, furnace and AC three years old, roof one year old with new insulation and roof decking underneath. Brick repointed. Both driveways paved, onefrom Arthur Street and one from Riverside Drive. Come see it before someone else does the math first. (id:63159)
Listing Information
- MLS®
- X13716838
- Tax assessment year
- 2026
- Data last synced
- September 15, 2026
EXP REALTY
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: EXP REALTY
MLS® Number: X13716838
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
Woolwich average
$567/sqft
3 active listing(s)
Parking: 5 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.
Population
26,999
(2021 Census)
+8% since 2016
Density: 82.7/km²
Similar Listings Nearby
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Mortgage & Ownership Cost Calculator
Minimum required: 5.8% ($33,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$471,920.00
Periodic payment — Principal & Interest (monthly)$3,044.67
Additional monthly expenses (condo fees, tax, utilities, etc.)$300.34
Total monthly cost$3,345.01
Interest paid over 5-yr term$135,253.63
Balance at end of term$424,493.57
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$33,990
Stress test qualifying rate8.19%
Payment you must qualify for$4,310.38
Cash Needed at Closing
Minimum down payment$33,990
Estimated Land Transfer Tax (LTT)$8,273
Legal / closing costs (typical estimate)$1,500
Total cash needed$43,763
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.