403 Bay Street, Orillia, ON L3V 3X5
Orillia, ON L3V 3X5
Quick cost estimateKnown monthly subtotal$7,926.71 / monthLand transfer tax $24,035One-time estimate
Quick cost estimate
$7,926.71 / monthKnown monthly subtotal
- Mortgage principal & interest
- $6,411.61
- Property tax / month
- $1,515.10
- Maintenance / month
- Period / amount not reported
Assumes 20% down, 5% annual interest and 25-year amortization. Illustrative rate, not a current quote.
Unknown expenses excluded. Mortgage insurance and closing costs are excluded; add insurance and utilities in the assumptions.
Land transfer tax · one time
- Transfer tax total
- $24,035
Before rebates, surcharges and fees. Not part of the monthly subtotal.
Tax assumptions & breakdown
Toronto municipal land transfer tax does not apply to this listing outside the City of Toronto.
- Ontario tax
- $24,035
- Toronto municipal tax
- $0
Current purchase scenario, before rebates, foreign-buyer taxes and fees. Confirm residence classification. Not historical tax paid; excluded from the monthly subtotal.
Ontario rates · Toronto rates (April 2026)
Eligible first-time purchasers may qualify for an Ontario land transfer tax refund of up to $4,000. Toronto buyers may also qualify for a separate municipal rebate of up to $4,475. Eligibility varies and these maximums are not guaranteed savings. See official eligibility links and details.
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About this home
Welcome to 403 Bay Street-an exceptional custom built home in one of Orillia's most sought after neighbourhoods. Just a short stroll from the shores of Lake Couchiching and only minutes to Couchiching Beach Park, downtown Orillia, schools and trails. This remarkable property offers the perfect balance of luxury, comfort and family living. Offering over 4,000 sq. ft. above grade, plus a beautiful finished walkout basement, this spacious home features 5 bedrooms and 4 bathrooms with a layout designed for both everyday living and effortless entertaining. A truly rare feature is that all five bedrooms are located on the same level--an ideal design for families that provides both convenience and peace of mind. The bright walkout lower level offers something for everyone, complete with a games room featuring a billiard table and Murphy bed, a wet bar, sauna, exercise area, additional laundry, and direct access to the beautifully landscaped backyard. Step outside to your private retreat with a fully fenced yard, inground pool, playground, and plenty of space for family gatherings, entertaining, or simply relaxing. From the moment you arrive, the home's impressive curb appeal is evident with its interlock driveway, inviting covered front porch, and landscaping that reflects the pride of ownership. Rarely does a home of this size, quality and location become available. Combining timeless craftsmanship, exceptional living space, and an unbeatable lifestyle near the waterfront, 403 Bay Street is a truly special opportunity for families seeking room to grow without compromising on luxury or convenience.
Home details
- Days on market
- Not reported
- Property type
- Detached
- MLS® number
- S13522614
- Source status
- Price Change
- Bedrooms
- 5
- Bathrooms
- 4
- Postal code
- L3V 3X5
- Kitchens
- 1
- Kitchens above grade
- 1
- Family room / den
- Yes
- Interior size (reported range)
- 3500-5000 (units not reported)
- Lot size
- 14,951.06 sq ft
- Lot depth
- 110 ft
- Garage parking spaces
- Not reported
- Total parking spaces
- 7
- Occupancy
- Owner
- Possession type
- Flexible
- Garage
- Attached
- Annual property tax
- 18181.18
- Basement
- Finished with Walk-Out
- Interior features
- Air Exchanger, Built-In Oven, Garburator, In-Law Capability, Sauna, Workbench
- Exterior features
- Deck, Landscaped, Porch Enclosed, Lawn Sprinkler System
- Architectural style
- 2-Storey
- Parking features
- Inside Entry
- Pool features
- Inground
- Fireplace
- Yes
- Waterfront
- No
- Garage available
- Yes
- Heating system
- Forced Air
- Heating fuel
- Gas
- Cooling
- Central Air
- Water source
- Chlorination
- Sewer
- Sewer
- View
- Trees/Woods
- Direction facing
- West
- Construction materials
- Wood , Brick
- Roof
- Asphalt Shingle
- Foundation
- Poured Concrete
- MLS entry age (not confirmed DOM)
- 126 days
These details come from the listing source. Please confirm measurements and fees before making a decision.
Utilities and services
- Water source
- Chlorination
- Sewer
- Sewer
- Heating system
- Forced Air
- Heating fuel
- Gas
- Cooling
- Central Air
A reported service is not necessarily included in rent or maintenance. Missing information does not mean a service is absent.
Rooms & virtual tours
Loading source-reported room dimensions…
Converted measurements are approximate. Levels and dimensions are shown only when supplied.
- Bedrooms above grade
- 5
- Rooms above grade
- 10
- Rooms below grade
- 5
- Den / family room reported
- Yes
Reported counts are shown independently. Room dimensions have not been inferred from these counts.
Ask the listing brokerage for floor plans and measured room layouts.
Listing dates & price record
- Asking amount
- $1,378,000
Original MLS entry
Entry into the source MLS system; distinct from days on market.
Coverage varies by listing. Dates are source-reported calendar dates; only the latest reported asking-price change is shown. This is a partial record.
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Estimate monthly costs
Adjust the assumptions for your own scenario. Blank expenses are unknown; enter them for a fuller estimate.
Planning estimate with Canadian semiannual compounding. Excludes mortgage insurance, closing costs and special assessments. This is not a lender quote or mortgage approval.
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Around this property
Schools, transit & everyday places
Published local sources. Distances are approximate straight-line distances, not walking routes.
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Nearby publicly funded schools
Within 5 km · approximate straight-line distances, not walking routes or attendance eligibility.
School year 2024-2025 · Preliminary · publisher extract 2026-09-14.
Couchiching Heights Public School ↗
Elementary · JK-8 · English · Public
School board: Simcoe County DSB ↗
455 LACLIE ST, Orillia
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 3 Reading (at provincial standard)
- 75%
- Grade 3 Writing (at provincial standard)
- 70%
- Grade 3 Mathematics (at provincial standard)
- 55%
- Grade 6 Reading (at provincial standard)
- 96%
- Grade 6 Writing (at provincial standard)
- 92%
- Grade 6 Mathematics (at provincial standard)
- 56%
Monsignor Lee Separate School ↗
Elementary · JK-8 · English · Catholic
School board: Simcoe Muskoka CDSB ↗
14 Fitton's Rd E, Orillia
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 3 Reading (at provincial standard)
- 53%
- Grade 3 Writing (at provincial standard)
- 58%
- Grade 3 Mathematics (at provincial standard)
- 44%
- Grade 6 Reading (at provincial standard)
- 92%
- Grade 6 Writing (at provincial standard)
- 89%
- Grade 6 Mathematics (at provincial standard)
- 53%
Patrick Fogarty Catholic Secondary School ↗
Secondary · 9-12 · English · Catholic
School board: Simcoe Muskoka CDSB ↗
15 Commerce Road, Orillia
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 9 Mathematics (at provincial standard)
- 40%
- Grade 10 OSSLT (first-attempt pass)
- 83%
Orchard Park Elementary School ↗
Elementary · JK-8 · English · Public
School board: Simcoe County DSB ↗
24 Calverley St, Orillia
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 3 Reading (at provincial standard)
- 71%
- Grade 3 Writing (at provincial standard)
- 65%
- Grade 3 Mathematics (at provincial standard)
- 69%
- Grade 6 Reading (at provincial standard)
- 81%
- Grade 6 Writing (at provincial standard)
- 78%
- Grade 6 Mathematics (at provincial standard)
- 44%
Lions Oval Public School ↗
Elementary · JK-8 · English · Public
School board: Simcoe County DSB ↗
25 BRANT ST, Orillia
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 3 Reading (at provincial standard)
- 63%
- Grade 3 Writing (at provincial standard)
- 49%
- Grade 3 Mathematics (at provincial standard)
- 54%
- Grade 6 Reading (at provincial standard)
- 65%
- Grade 6 Writing (at provincial standard)
- 71%
- Grade 6 Mathematics (at provincial standard)
- 47%
ÉÉC Samuel-de-Champlain ↗
Elementary · JK-6 · French · Catholic
School board: CS catholique MonAvenir ↗
275 Park rue, Orillia
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
No published percentages for these measures in this source record.
Orillia Secondary School ↗
Secondary · 9-12 · English · Public
School board: Simcoe County DSB ↗
250 Collegiate Drive, Orillia
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 9 Mathematics (at provincial standard)
- 42%
- Grade 10 OSSLT (first-attempt pass)
- 83%
St Bernard's Separate School ↗
Elementary · JK-8 · English · Catholic
School board: Simcoe Muskoka CDSB ↗
255 Oxford St, Orillia
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 3 Reading (at provincial standard)
- 74%
- Grade 3 Writing (at provincial standard)
- 43%
- Grade 3 Mathematics (at provincial standard)
- 65%
- Grade 6 Reading (at provincial standard)
- 55%
- Grade 6 Writing (at provincial standard)
- 45%
- Grade 6 Mathematics (at provincial standard)
- 9%
Confirm programs and attendance with the school board. Private schools and verified catchment boundaries are not included. Contains information licensed under the Open Government Licence – Ontario. Ministry source.
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Transit near this property
No current nearby stops were returned by the installed TTC, GO Transit and UP Express datasets. Coverage and service dates vary; distances and travel times are not inferred.
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Nearby shops & amenities
No nearby places were returned by the current OpenStreetMap snapshot. Coverage is regional and may be incomplete; verify business details before visiting.
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Similar homes for sale in Orillia
Current public IDX listings in the same city and transaction type. These are alternatives to explore, not sold comparables or an appraisal.
Property questions
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Are the measurements and features independently verified?
Measurements, lot details and features are displayed as reported by the listing source or a named public dataset. Missing facts are not inferred. Confirm material details with the listing brokerage.
What do nearby school, transit and shop results mean?
They are nearby records from the displayed source datasets. Distances are approximate straight-line distances; school catchment eligibility, ratings, walking routes, hours and live transit service are not inferred.
Can I see sold prices for nearby properties?
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How should I use the monthly cost estimate?
It is a planning estimate based on the visible assumptions and reported property figures. It is not a lender quote, tax assessment, legal opinion or mortgage approval.
Home and neighbourhood overview
403 Bay Street, Orillia, ON L3V 3X5, Orillia is listed for sale as a Detached. The listing reports 5 bedrooms, 4 bathrooms, reported interior area of 3500-5000 (units not reported), kitchens reported as 1, parking spaces reported as 7, lot size reported as 14,951.06 sq ft. Asking price: $1,378,000. Occupancy is reported as Owner. Review the Home details, room measurements and utility sections below to compare reported specifications; confirm important details with the listing brokerage. MLS® S13522614.
The Ministry’s school dataset lists Couchiching Heights Public School approximately 680 m from the property’s mapped location.
Local context
The Ministry’s school dataset lists Couchiching Heights Public School approximately 680 m from the property’s mapped location.
Sources & distance notes
Distances are approximate straight-line estimates to mapped points or area centres. School proximity does not establish attendance eligibility.
This overview uses facts reported by the listing and named local sources. Please confirm details with the listing brokerage.
Listing brokerage: Century 21 B.J. Roth Realty Ltd.. Displayed by EnterHome Realty. Source: authorized IDX record, MLS® S13522614. Information deemed reliable but not guaranteed.