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Property Type: Detached HouseOwnership: Freehold
38 ROBERTA STREET
Woolwich, ON N3B3N7
MLS® X14080912
$889,900
4 bed3.5 bath4 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 42.3 x 96.5 FT ; 96.63ft.x 42.31ft. x 96.63ft. x 42.31ft.
- Frontage
- 42.3 feet
R6
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $5,330 (2026)
Interior
- Basement
- Unfinished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Bathroom | Main level | — |
| Primary Bedroom | Second level | — |
| Cold room | Basement | — |
| Dining room | Main level | — |
| Recreational, Games room | Basement | — |
| Utility room | Basement | — |
| Other | Main level | — |
| Laundry room | Main level | — |
| Kitchen | Main level | — |
| Living room | Main level | — |
| Loft | Upper Level | — |
| Bathroom | Second level | — |
| Bathroom | Second level | — |
| Bedroom | Second level | — |
Description
Welcome to 38 Roberta Street, Elmira! Nestled in a friendly neighbourhood in the charming town of Elmira, this inviting 4 bedroom, 2.5 bathroom home offers comfortable living in a wonderful location. The thoughtfully designed layout creates a warm and welcoming atmosphere, with plenty of windows throughout bringing in natural light and enhancing the home's inviting feel. The spacious kitchen is a standout feature, offering a large island and plenty of pantry storage, making it ideal for everyday living, meal preparation, and entertaining family and friends. Step outside to enjoy the beautiful backyard, complete with a large covered patio area that is perfect for relaxing, hosting guests, or enjoying those quiet evenings outdoors. The basement offers abundant storage space and a blank canvas, ready for you to personalize and make it your own. Convenience is at your doorstep, with downtown Elmira just a short walk away, where you can enjoy local shops, cafés, restaurants, and community amenities. The Woolwich Memorial Centre is just around the corner, providing easy access to recreation, fitness, and community activities. An attached two car garage adds even more convenience, storage, and functionality. Combining an inviting layout, a bright interior, a spacious kitchen, a beautiful backyard, and a fantastic location, 38 Roberta Street is a wonderful opportunity to enjoy the best of small town living. Call your REALTOR today to schedule a showing! (id:63161)
Listing Information
- MLS®
- X14080912
- Tax assessment year
- 2026
- Data last synced
- October 25, 2026
REAL BROKER ONTARIO LTD.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: REAL BROKER ONTARIO LTD.
MLS® Number: X14080912
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: 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
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.
Population
26,999
(2021 Census)
+8% since 2016
Similar Listings Nearby
Similar active properties nearby based on property type, price, and size.
466 m away
Mortgage & Ownership Cost Calculator
Minimum required: 7.2% ($63,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$711,920.00
Periodic payment — Principal & Interest (monthly)$4,593.07
Additional monthly expenses (condo fees, tax, utilities, etc.)$444.17
Total monthly cost$5,037.23
Interest paid over 5-yr term$204,038.32
Balance at end of term$640,374.34
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$63,990
Stress test qualifying rate8.19%
Payment you must qualify for$6,403.89
Cash Needed at Closing
Minimum down payment$63,990
Estimated Land Transfer Tax (LTT)$14,273
Legal / closing costs (typical estimate)$1,500
Total cash needed$79,763
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.
