817 Olde Victoria Street

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$789,800

817 Olde Victoria Street

Kincardine · MLS® X13591796

325

House · Single Family · 95 days on market

listed by CHARLENE RANDLE-CLAYTON, Coldwell Banker Peter Benninger Realty

realtor's description

Welcome to this beautifully maintained yellow-brick century home, ideally located on tree-lined Olde Victoria Street in the heart of downtown Kincardine. Just steps to shopping, restaurants, schools, parks and the sandy beaches of Lake Huron, this home perfectly blends historic charm with modern comfort. Set on a spectacular 83' x 220' deep lot, the property offers a private, park-like setting with mature trees, perennial gardens and a fully fenced backyard backing onto a ravine and the north branch of the Penetangore River. Enjoy outdoor living on the expansive, multi-level maintenance-free composite deck. The 17' x 30' detached garage (1998) includes a workshop with a 40-amp sub-panel and loft storage. This charming 1 & 3/4 -storey home features 3 bedrooms, 1.5 bathrooms and gleaming hardwood floors throughout the family room, living room, dining room, foyer and library/office. The spacious family room includes a wood-burning cook stove (as is) and walkout to the backyard. The bright, eat-in kitchen offers newer appliances (2020-2026) and tile backsplash, while the mudroom includes a convenient 2-piece bath. Character abounds with 9' ceilings, a striking tin ceiling in the living room, sliding glass doors to the library and a beautiful stained-glass front door leading to the enclosed porch. Major updates include roof shingles on house and garage (2012), maintenance-free composite deck (2012), owned water heater (2013), forced-air electric furnace with heat pump (2013), copper plumbing and electrical, and updated toilets (2019). Be sure to inquire about the modest utility costs. The home is not Heritage Designated, allowing you to enjoy the character of a century home without heritage restrictions. A rare opportunity to own one of Kincardine's most beautiful properties in an exceptional downtown location.

property details

type: House, Single Family
bedrooms: 3
bathrooms: 2
parking: 5
property tax: $4,240 / yr
days on market: 95
MLS®: X13591796

features

Wooded area
Ravine
Backs on greenbelt
Level
Washer
Refrigerator

monthly cost

$3,794/mo

Mortgage $3,441 · Tax $353

20% down at 4.34% fixed (Ratehub.ca), 25 years; tax from the listing.

estimated payment

$3,441/ monthly

loan $631,840

25-year amortization

down payment20% · $157,96020%+ down: no mortgage insuranceinterest rate4.34%Rates from Ratehub.ca (best 5-year fixed and variable), checked Oct 25, 2026. Semi-annual compounding; your lender's rate may differ.amortizationpayment frequency

total interest: $400,485
cash to close: $157,960; down payment; transfer tax and fees not included
total paid: $1,032,325

Estimates only. Rates change daily and lenders qualify at the stress-test rate. Talk to a mortgage broker before you offer.