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Listed 1 month ago

346 Bay Street

Midland, Midland

$499,900

Detached|1 1/2 Storey
2 | 2 | 6
About this home

Welcome to this charming red-brick home, where timeless character meets modern updates. Filled with warmth and personality, this home features beautiful hardwood floors, custom trim work and an inviting three-season porch, along with beautifully landscaped gardens and a private backyard retreat. Inside, the open-concept main floor creates a wonderful flow between the kitchen and living space, making everyday living and entertaining effortless. The kitchen features modern cabinetry, stainless steel appliances and a charming window seat. Right off the kitchen, an additional space offers the perfect opportunity to customize and create a convenient powder room or main-floor laundry. Step outside and discover your own backyard retreat, complete with mature gardens, an interlock driveway and a fenced-in yard. A detached single-car garage/workshop with its own electrical panel, fully insulated interior and attached greenhouse offers incredible versatility for hobbies, projects, gardening or additional storage. Located just minutes from Midland's vibrant downtown and beautiful Georgian Bay waterfront, you'll have shops, restaurants, parks, trails and the waterfront lifestyle close to your doorstep. Recent updates include a new furnace, air conditioning and hot water tank (2026), adding peace of mind to this charming home.

Extras

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agent
Ephy Bookbinder
(416) 838-4804
TypeDetached
Style1 1/2 Storey
Approx. AgeNot available
Size1100-1500 sq. ft.
Property Tax$2,831
Lot Size48.6 ft x 120 ft
mls© NumberS13783804
Listed ByRIGHT AT HOME 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%
$2,559
Property tax
$236
Heat allowance
$150
Housing costs
$2,945 / mo

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

Down payment20% · $99,980
25-yr amortization

Income needed

$91,000

gross annual household income

Payment at 4%
$2,104 / mo
Cash down
$99,980

Assumes no other monthly debts · 25-yr amortization

Full affordability check

Values and trends

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