109 ELGIN STREET
Toronto · L3V4S4
$549,900
About this residence
Zoned C4i, this charming two-storey brick home offers exceptional flexibility for residential, commercial, rental income, or mixed-use possibilities (buyer to verify permitted uses). Ideally located just steps from the downtown waterfront and close to parks, shopping, and all amenities. This 4 bedroom, 2 bathroom, property is freshly painted, filled with character, featuring high ceilings on both levels, a classic wood staircase, carpet-free living with laminate and ceramic flooring throughout, and a wide front porch sets the tone-ideal for morning coffee or evening unwinding. The main floor includes a large bedroom, 3 pc bath, a well-sized kitchen, and a bright living area. Both front and rear entrances naturally support flexible live/work or multi-purpose space arrangements. The upper level includes an additional prep kitchen area with a sink, cabinetry, and counter space, 3 bright bedrooms, and a 4 pc bathroom, allowing for adaptable configurations such as a home-based business, professional office, live/work setup, or personalized retreat. 3 parking spaces offers convenience in the heart of the city. Rich in character and history, this centrally located property presents an excellent opportunity for investors, entrepreneurs, or homeowners seeking versatile space and potential supplemental income. Buyer to verify zoning, permitted uses, and future development potential with the City of Orillia. (id:61366)
Property details
- Property type
- Single Family
- Style
- House
- Ownership
- Freehold
- Bedrooms
- 4 (4 above)
- Bathrooms
- 2
- Storeys
- 2
- Living area
- 1,500–2,000 sq ft
- Lot size
- 46 x 70 FT
- Frontage
- 46 feet
- Parking
- 3 spaces
- Annual tax
- $3,084
- MLS®
- S13105206
- Board
- Toronto
- Status
- Active
- Listed
- May 8, 2026
- Updated
- May 8, 2026
Features & finishes
Appliances
- Refrigerator
- Stove
- Range
Heating
- Forced air
- Natural gas
Cooling
- Central air conditioning
Basement
- Full
Exterior
- Brick
Foundation
- Block
Parking
- No Garage
Lot
- Carpet Free
Sewer & Utilities
- Sanitary sewer
- Cable
- Electricity
- Sewer
Financing
Estimated monthly payment
$2,572/mo
Loan amount
$439,920
Down payment
$109,980
Estimate only. Rates and terms vary by lender and qualification.
Powered by Lenderoo.caLocation & area
Toronto
Nearby
About the area
Census · L3V- 48,651
- Population
- 48
- Median age
- $77,500
- Median income
- $600,000
- Median home value
- 70%
- Home ownership
- 24 min
- Avg. commute
Age distribution
Tenure
Neighbourhood statistics for the property’s forward sortation area. Figures are census-derived estimates.
Powered by Neighbourly.ioFrequently asked questions
What is the asking price for 109 ELGIN STREET?
109 ELGIN STREET is listed for $549,900, in Toronto.
How many bedrooms and bathrooms does 109 ELGIN STREET have?
It offers 4 bedrooms and 2 bathrooms.
What type of home is 109 ELGIN STREET?
109 ELGIN STREET is a Single Family, House set over 2 storeys.
How large is 109 ELGIN STREET?
The home offers approximately 1,500–2,000 sq ft of living space on a lot measuring 46 x 70 FT.
What would the monthly mortgage payment be?
With a 20% down payment at a 5.0% interest rate over a 25-year amortization, the estimated monthly payment is about $2,572. Use the mortgage calculator above to model your own scenario.
What are the annual property taxes?
Property taxes are approximately $3,084 per year.
Is there parking?
Yes — 109 ELGIN STREET includes 3 parking spaces.
What is the Toronto area like?
Toronto has a population of about 48,651, a median age of 48, a 70% home-ownership rate, with an average commute of about 24 minutes.
What is the average home value in Toronto?
The median dwelling value in this area is approximately $600,000, based on census data via Neighbourly.
What is the median household income in Toronto?
The median household income in this area is approximately $77,500.
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