432 14th Street W, Owen Sound, ON N4K 3Y2
Owen Sound, ON N4K 3Y2
Quick cost estimateKnown monthly subtotal$2,389.13 / monthLand transfer tax $5,455One-time estimate
Quick cost estimate
$2,389.13 / monthKnown monthly subtotal
- Mortgage principal & interest
- $2,089.13
- Property tax / month
- $300
- 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
- $5,455
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
- $5,455
- 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
Welcome to 432 14th Street W in Owen Sound, a character-filled brick home where classic details, generous living space and an in-town location come together beautifully. Built circa 1900, this 2-storey home offers approximately 1,368 sq. ft. of above-grade living space, with 3 bedrooms and two 3-piece bathrooms.Step inside and you'll immediately notice the warmth and personality of the home. Hardwood flooring, substantial trim, beautiful woodwork and a traditional staircase give the main level a sense of character that's increasingly hard to find. The bright living and dining spaces offer plenty of room for everyday life and entertaining, while the kitchen provides ample cabinetry and workspace with the refrigerator, stove, dishwasher and microwave included.Upstairs, three bedrooms provide flexibility for family, guests or a home office, while a second 3-piece bathroom adds everyday convenience. The unfinished basement provides additional storage and houses the laundry, with the washer and dryer also included.Outside, enjoy a porch, deck and private parking, along with river access and direct river and water views. The property is connected to municipal water and sewer and is heated by forced-air natural gas. With the hospital, library, marina, public transit and other Owen Sound amenities nearby, this is a home that combines the charm of an established property with the convenience of city living.
Home details
- Days on market
- Not reported
- Property type
- Detached
- MLS® number
- X13849290
- Source status
- New
- Bedrooms
- 3
- Bathrooms
- 2
- Postal code
- N4K 3Y2
- Kitchens
- 1
- Kitchens above grade
- 1
- Family room / den
- Yes
- Interior size (reported range)
- 1100-1500 (units not reported)
- Lot size
- < .50 acres (reported range)
- Lot depth
- 75.05 ft
- Garage parking spaces
- Not reported
- Total parking spaces
- 2
- Occupancy
- Vacant
- Possession type
- Immediate
- Garage
- None
- Annual property tax
- 3600
- Basement
- Unfinished
- Interior features
- Carpet Free, Water Heater Owned
- Exterior features
- Deck, Privacy, Year Round Living, Porch
- Architectural style
- 2-Storey
- Parking features
- Private
- Pool features
- None
- Fireplace
- No
- Waterfront
- No
- Elevator
- No
- Garage available
- No
- Heating system
- Forced Air
- Heating fuel
- Gas
- Cooling
- None
- Sewer
- Sewer
- View
- River, Trees/Woods, Water, Garden
- Direction facing
- East
- Construction materials
- Brick
- Roof
- Asphalt Shingle
- Foundation
- Stone
- MLS entry age (not confirmed DOM)
- 38 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
- None
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
- 8
- 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
- $449,000
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.
Explore affordability & closing-cost tools →Map and neighbourhood
- Region / county
- GREY
- Municipality
- OWEN SOUND
Plan a trip from this home
Check a route from this property to work, school or another destination. Google Maps provides the current estimate when opened; traffic and departure time affect results.
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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.
Owen Sound District Secondary School Secondary School ↗
Secondary · 9-12 · English · Public
750 9th St W, Owen Sound
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)
- 49%
- Grade 10 OSSLT (first-attempt pass)
- 81%
Hillcrest Elementary School ↗
Elementary · JK-8 · English · Public
501 8th St W, Owen Sound
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)
- 77%
- Grade 3 Writing (at provincial standard)
- 45%
- Grade 3 Mathematics (at provincial standard)
- 45%
- Grade 6 Reading (at provincial standard)
- 62%
- Grade 6 Writing (at provincial standard)
- 59%
- Grade 6 Mathematics (at provincial standard)
- 22%
St Basil's Separate School ↗
Elementary · JK-2 · English · Catholic
School board: Bruce-Grey CDSB ↗
925 9th Ave W, Owen Sound
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.
St Mary's High School ↗
Secondary · 9-12 · English · Catholic
School board: Bruce-Grey CDSB ↗
555 15th St E, Owen Sound
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)
- 44%
- Grade 10 OSSLT (first-attempt pass)
- 80%
Keppel-Sarawak Elementary School ↗
Elementary · JK-6 · English · Public
937 24th St W, Owen Sound
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)
- 70%
- Grade 3 Writing (at provincial standard)
- 77%
- Grade 3 Mathematics (at provincial standard)
- 83%
- Grade 6 Reading (at provincial standard)
- 89%
- Grade 6 Writing (at provincial standard)
- 92%
- Grade 6 Mathematics (at provincial standard)
- 60%
Alexandra Community School ↗
Elementary · JK-8 · English · Public
1556 8th Ave E, Owen Sound
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)
- 77%
- Grade 3 Writing (at provincial standard)
- 52%
- Grade 3 Mathematics (at provincial standard)
- 55%
- Grade 6 Reading (at provincial standard)
- 69%
- Grade 6 Writing (at provincial standard)
- 53%
- Grade 6 Mathematics (at provincial standard)
- 23%
École élémentaire catholique St-Dominique-Savio ↗
Elementary · JK-8 · French · Catholic
Conseil scolaire catholique Providence
800 23e est rue, Owen Sound
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.
École secondaire catholique Saint-Dominique-Savio ↗
Secondary · 9-12 · French · Catholic
Conseil scolaire catholique Providence
800 23e est rue, Owen Sound
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.
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.
Filter the records displayed below.
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.
Filter the records displayed below.
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, Grey County, Ontario
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
432 14th Street W, Owen Sound, ON N4K 3Y2, Owen Sound is listed for sale as a Detached. The listing reports 3 bedrooms, 2 bathrooms, reported interior area of 1100-1500 (units not reported), kitchens reported as 1, parking spaces reported as 2, lot size reported as < .50 acres (reported range). Asking price: $449,000. 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® X13849290.
The Ministry’s school dataset lists Owen Sound District Secondary School Secondary School approximately 1.1 km from the property’s mapped location.
Local context
The Ministry’s school dataset lists Owen Sound District Secondary School Secondary School approximately 1.1 km 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.
Explore the area: Grey County · Owen Sound.
This overview uses facts reported by the listing and named local sources. Please confirm details with the listing brokerage.
Listing brokerage: Century 21 Millennium Inc.. Displayed by EnterHome Realty. Source: authorized IDX record, MLS® X13849290. Information deemed reliable but not guaranteed.