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Listed 8 days ago

423 Mary Street

Orillia, Orillia

$565,000

Detached|Sidesplit
4 | 2 | 7
About this home

CORNER LOT SIDESPLIT WITH BIG-TICKET UPDATES, A BACKYARD BUNKIE, FINISHED BASEMENT & OVERSIZED GARAGE! 423 Mary Street starts strong where buyers tend to look hardest, with a newer steel roof, updated windows, newer A/C, furnace (2025), water heater (2025), plus an oversized single garage and a 10x10 bunkie or shed for bikes, tools, hobby gear or the extras that never seem to fit inside. Set on a corner lot in a mature Orillia neighbourhood, this sidesplit has an updated front porch, ample driveway parking and a backyard with room for gardens, pets, play or future plans. The main level offers an open-concept living and dining area warmed by a gas fireplace, along with a practical kitchen featuring a newer dishwasher. The upper level keeps all three bedrooms together with a 4-piece bathroom, while the lower level adds a flexible fourth bedroom or office and a 3-piece bathroom. The finished basement extends the living space with a spacious rec room and convenient laundry featuring a new washer and dryer (2025). Additional highlights include central vac and an owned water heater, giving buyers one less rental item to factor in. Multiple parks, Harriett Todd P.S. and Twin Lakes S.S. are within walking distance, with the Orillia Rec Centre, Hwy 12, shopping, amenities and Orillia Soldiers' Memorial Hospital just a quick drive away. This #HomeToStay takes the sting out of homeownership by checking off the big-ticket essentials, leaving you free to focus on the fun stuff, like styling the open-concept main floor or deciding what that backyard bonus space could become.

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agent
Angela Montano
(647) 283-2643
TypeDetached
StyleSidesplit
Approx. Age51-99
Size1100-1500 sq. ft.
Property Tax$3,568
Lot Size34 ft x 107.98 ft
mls© NumberS13662954
Listed ByRE/MAX HALLMARK PEGGY HILL GROUP REALTY

Listing History

  • No recent sale history for this listing.
  • No recent lease history for this listing.

Could you afford this home?

What the bank counts

This home's actual carrying costs, payment stress-tested at 6%

Mortgage, tested at 6%
$2,892
Property tax
$297
Heat allowance
$150
Housing costs
$3,339 / mo

Lenders cap these at 39% of gross income — that sets the number.

Down payment20% · $113,000
25-yr amortization

Income needed

$103,000

gross annual household income

Payment at 4%
$2,378 / mo
Cash down
$113,000

Assumes no other monthly debts · 25-yr amortization

Full affordability check

Investment Analysis

Estimated rent, cap rate and monthly cash flow for this property

Values and trends

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