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New4 days ago

432 14th Street W

Owen Sound, Owen Sound

$449,000

Detached|2-Storey
3 | 2 | 2
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.

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agent
Macallum Tepsich
(647) 326-2579
TypeDetached
Style2-Storey
Approx. Age100+
Size1100-1500 sq. ft.
Property Tax$3,600
Lot Size40 ft x 75.05 ft
mls© NumberX13849290
Listed ByCentury 21 Millennium Inc.

Listing History

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  • 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%
$2,298
Property tax
$300
Heat allowance
$150
Housing costs
$2,748 / mo

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

Down payment20% · $89,800
25-yr amortization

Income needed

$85,000

gross annual household income

Payment at 4%
$1,889 / mo
Cash down
$89,800

Assumes no other monthly debts · 25-yr amortization

Full affordability check

Investment Analysis

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