190 4th Street W, Owen Sound, ON N4K 3J9
Owen Sound, ON N4K 3J9
Quick cost estimateKnown monthly subtotal$4,243.58 / monthLand transfer tax $12,455One-time estimate
Quick cost estimate
$4,243.58 / monthKnown monthly subtotal
- Mortgage principal & interest
- $3,717.62
- Property tax / month
- $525.96
- 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
- $12,455
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
- $12,455
- 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
A remarkable transformation defines this elegant Waterfront century home, where timeless character meets thoughtful stylish upgrades. Set on one of Owen Sound's most desirable streets, this stately & distinguished residence offers a rare opportunity to enjoy refined living in a truly picturesque setting. Striking curb appeal draws you in, while the private backyard opens onto the sparkling waters of the Sydenham River creating a serene, ever-changing natural backdrop that can be enjoyed year-round. Inside, this impressive home has been beautifully revitalized. Carpeting has been removed revealing the original hardwood floors that have been restored, now showcasing their full warmth and character throughout. The home's original wiring has also been replaced, offering peace of mind alongside its historic charm. The main floor features inviting principal rooms, including a comfortable living room, a formal dining space ideal for entertaining, a convenient 2-piece bath and a well-designed kitchen with an adjoining breakfast nook overlooking the river. A standout feature is the sunroom, filled with natural light and framed by expansive windows that capture breathtaking views of the river, gardens and surrounding wildlife in every season. Follow the newly refinished wood staircase to the upper level where a thoughtfully designed layout includes a cozy reading nook, a spacious 4-piece bath and a generous primary bedroom complete with a bright office or sitting area perfect for quiet mornings or working from home. An unfinished loft offers exciting potential for additional living space, studio, or guest accommodations, while the attached inside entry potting shed provides practical enclosed storage. This is more than a home .... it's a stunning yet charming Riverside Retreat where history, nature and traditional comfort come together seamlessly.
Home details
- Days on market
- Not reported
- Property type
- Detached
- MLS® number
- X13062872
- Source status
- Price Change
- Bedrooms
- 3
- Bathrooms
- 2
- Postal code
- N4K 3J9
- Kitchens
- 1
- Kitchens above grade
- 1
- Family room / den
- No
- Interior size (reported range)
- 2500-3000 (units not reported)
- Lot size
- < .50 acres (reported range)
- Lot depth
- 110 ft
- Garage parking spaces
- Not reported
- Total parking spaces
- 2
- Occupancy
- Vacant
- Possession type
- Flexible
- Garage
- None
- Annual property tax
- 6311.5
- Basement
- Unfinished, Walk-Out
- Interior features
- Sump Pump, Workbench
- Exterior features
- Landscaped, Year Round Living
- Architectural style
- 2 1/2 Storey
- Parking features
- Private
- Pool features
- None
- Fireplace
- Yes
- Waterfront
- Yes
- Garage available
- No
- Heating system
- Forced Air
- Heating fuel
- Gas
- Cooling
- Central Air
- Sewer
- Sewer
- View
- River, Water
- Direction facing
- North
- Construction materials
- Brick
- Roof
- Asphalt Shingle
- Foundation
- Stone
- MLS entry age (not confirmed DOM)
- 191 days
These details come from the listing source. Please confirm measurements and fees before making a decision.
Utilities and services
- 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
- 3
- Rooms above grade
- 9
- Den / family room reported
- No
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
- $799,000
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
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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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- Region / county
- GREY
- Municipality
- OWEN SOUND
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Around this property
Schools, transit & everyday places
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Nearby schools
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Transit near this property
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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 Owen Sound
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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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.
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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.
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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
190 4th Street W, Owen Sound, ON N4K 3J9, Owen Sound is listed for sale as a Detached. The listing reports 3 bedrooms, 2 bathrooms, reported interior area of 2500-3000 (units not reported), kitchens reported as 1, parking spaces reported as 2, lot size reported as < .50 acres (reported range). Asking price: $799,000. Occupancy is reported as Vacant. Review the Home details, room measurements and utility sections below to compare reported specifications; confirm important details with the listing brokerage. MLS® X13062872.
Local context
Explore the area: Owen Sound.
This overview uses facts reported by the listing and named local sources. Please confirm details with the listing brokerage.
Listing brokerage: Chestnut Park Real Estate. Displayed by EnterHome Realty. Source: authorized IDX record, MLS® X13062872. Information deemed reliable but not guaranteed.