440 Water Street, Cornwall, ON

$999,900
MLS#:X13092130
0 beds
0 baths
Commercial
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Added:May 6, 2026(120 days ago)
Updated:May 6, 2026(120 days ago)
Last Checked:19 minutes ago

Property Highlights

Welcome to this remarkable store w apt/office located in the coveted neighborhood of 717 - Cornwall. Offering a sublime balance of structural integrity and modern aesthetic appeal, this residence presents an exceptional opportunity offered at $999,900 to acquire a beautiful home in a highly sought-after setting. Designed for both comfortable daily living and elegant entertaining, the layout maximizes natural light, functional flow, and lifestyle utility.

  • 0 Bedrooms and 0 Bathrooms
  • Premium 134.37 x 361.92 ft lot size
  • equipped with yes central cooling and highly efficient gas forced air open heating

Description

This expansive 0.7-acre property offers exceptional versatility, featuring a large commercial building with multiple income-generating opportunities. The upper level includes two residential units with a combined footprint of just under 3,300 sq. ft., providing spacious living or rental options. The main level hosts a sizeable bar/commercial area that offers endless potential for redevelopment or a wide range of business uses. The building is equipped with SPU zoning and includes four gas meters and four hydro meters, supporting multiple tenants or mixed-use operations. The lower level adds even more flexibility, offering both a residential unit and additional commercial space totaling approximately 3,000 sq. ft. Outside, the property features a substantial fenced lot with secure barbed-wire perimeter and convenient rear access to John Street. This portion of the land is zoned to accommodate a seven-story apartment building, presenting a significant development opportunity. Overall, this property is ideal for investors, developers, or business owners seeking a high-potential mixed-use site with ample space and future growth possibilities. Roof 2025 ($63,000 membrane). All info must be verified by any and all interested parties. Property Being Sold As-Is Where-Is.

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Property Summary

This store w apt/office located at 440 Water Street, Cornwall is currently for sale and has been available on SousaSells for 120 days. This property is listed at $999,900 with an estimated mortgage of $3,328* per month. It has 0 beds, 0 bathrooms, and is unknown square feet. 440 Water Street, Cornwall is in the 717 - Cornwall neighborhood.

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* Estimated mortgage assumes a 30% down payment, 4.00% interest rate, and 30-year amortization.
Is this a Good Home for Families?

Ideal for small families, couples, or individuals seeking a manageable and comfortable living layout in 717 - Cornwall, Cornwall.

Great for Small Household / Couples
What We Love About This Home
  • •Desirable Store W Apt/Office architecture in 717 - Cornwall, Cornwall
Standout Features & Layout
Who Should Buy This Home?

First-time home buyers, professionals, or investors seeking value.

Target Buyer Match

Key Features

Property Type
Commercial

Additional Details

StatusActive
AddedMay 6, 2026 (120 days ago)
UpdatedMay 6, 2026 (120 days ago)
Last Checked19 minutes ago
Transaction TypeFor Sale

Property Details

Property Sub-TypeStore W Apt/Office
Lot Size134.37 Ă— 361.92 Feet
CountyStormont, Dundas and Glengarry
Annual Tax$10,133.61
Legal DescriptionFIRSTLY; PT LOT 1 S/S WATER STREET PL CORNWALL; PT LTS 1, B, C PL 9 PTS 1 & 6 52R5952; TOGETHER WITH AN EASEMENT OVER PT 3 52R5952 AS IN S295596 EXCEPT THE EASEMENT THEREIN (FIRSTLY DESCRIBED) ; SECONDLY; PT LOT A, B PL 9 AS IN S33345, S35445, S35480, S63687 EXCEPT PT 1 52R5952 CITY OF CORNWALL

Parking & Garage

Garage TypeNone

Heating & Cooling

Heat TypeGas Forced Air Open
CoolingYes

Features

Property Features

None listed

Interior Features

None listed

Security Features

  • No

Community Features

None listed

Frequently Asked Questions about 440 Water Street, Cornwall, ON

Q.What is the asking price for 440 Water Street, Cornwall, ON ?

The current listing price for 440 Water Street, Cornwall, ON in 717 - Cornwall, Cornwall is $999,900.

Q.How many bedrooms and bathrooms does this property have?

This property features null bedrooms and null bathrooms.

Q.What property type and architectural style is 440 Water Street, Cornwall, ON ?

440 Water Street, Cornwall, ON is a Store W Apt/Office () featuring a basement.

Q.What security features are installed at 440 Water Street, Cornwall, ON ?

Security features include: No.

Q.What heating and cooling systems are installed?

Heating is provided via standard central heat and cooling via Yes.

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Location

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440 Water Street, Cornwall, ON

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Neighborhood Safety Index

Neighborhood Safety & Crime Analytics

717 - Cornwall, Cornwall

SAFETY RATING9.4 / 10
Low Incident Area
Total Annual Incidents35 incidents / yr
Average Per Month2.9 incidents / mo
Population BenchmarkArea Average residents
Personal Safety
Very Low

8 assaults (30.0/100k)

Property Security
Very Low

8 B&E (30.0/100k)

Auto Theft Risk
Low Risk

10 thefts (35.0/100k)

1-Year Trend
â–Ľ 6%

Improving vs previous year

How Per-Capita Rate (Per 100,000 Residents) Is Calculated:

Formula: (Annual Occurrences / Population) Ă— 100,000. This standard policing calculation normalizes incident frequencies across different population sizes, allowing accurate safety comparisons between quiet residential pockets and dense urban centres.

Source: Official Police Services ArcGIS Open Data
Halton & GTHA Police Network

Disclaimer: Crime and safety analytics are compiled from official municipal and regional police open data records for general consumer informational and demographic research purposes only. Data is deemed reliable but is not guaranteed and does not constitute a legal representation or guarantee of future safety.

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Property History

No historical data available for this property.

This could be the first listing for this address.

Pricing & Value Insights

Data-driven valuation for 440 Water Street E, Cornwall, ON K6H 1A6

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

Market Speed
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Properties in this area are selling at a steady pace.

Market Trend
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Mortgage & Affordability Audit

Calculate your monthly payment, minimum downpayment, and land transfer taxes for this home in Cornwall.

Configure Loan Settings

Interest Rate4.00%
Down Payment$299,970 (30.0%)
* Minimum Canadian down payment required for this price is $74,990.
Amortization Period30 Years
Estimated Monthly Payment$3,328Based on a loan of $699,930 over 30 years.
Purchase Price$999,900
Loan Amount$699,930
Provincial Land Transfer Tax:$16,473
Total Estimated Closing Taxes:$16,473

About Purchasing a Home in Cornwall, ON

For a property listed at $999,900 in Cornwall, the legal minimum down payment is $74,990 under current Canadian banking regulations. This calculation applies a 5% requirement on the first $500,000, 10% on the next $499,999, and a flat 20% on any amount exceeding $1,000,000.

Additionally, buyers in Ontario must budget for the Provincial Land Transfer Tax, which is estimated at $16,473 for this transaction. As this listing is in Cornwall (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $16,473.

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717 - Cornwall, Cornwall Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for 717 - Cornwall, Cornwall.

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$672,479

People & Families

Age Distribution

Household Composition

One-person households
25%
Families with children
50%
Couples without children
24%
Other households
0%

Top Ethnic Origins

Chinese11%
English9%
Indian9%
Irish8%

Best Schools in 717 - Cornwall, Cornwall

Elementary Schools

Central
Public200 Amelia Street, Cornwall, Ontario, K6H 0A5
4.9
Bridgewood
Public850 Nick Kaneb Drive, Cornwall, Ontario, K6H 6Z2
4.2
Notre-Dame
Public420 Fifteenth Street West, Cornwall, Ontario, K6J 3K5
5.3
Sacred Heart
Public1500 Cumberland Street, Cornwall, Ontario, K6J 5V9
2.4
Marie-Tanguay
Public1500 Holy Cross Boulevard, Cornwall, Ontario, K6H 2X1
5.6

Secondary Schools

Cornwall
Public437 Sydney Street, Cornwall, Ontario, K6H 3H9
3.1
St Matthew Catholic
CatholicCornwall, Ontario
0.0
La Citadelle
Public510 McConnell Avenue, Cornwall, Ontario, K6H 4M1
4.3
St. Joseph’s
Catholic1500 Cumberland Street, Cornwall, Ontario, K6J 5V9
6.1
St. Lawrence
Catholic1450 Second Street East, Cornwall, Ontario, K6H 5Z8
2.1

717 - Cornwall, Cornwall Demographic Home information

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied65%
Rented35%

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Notice: Market Insights are generated by analyzing real-time data and should be used for informational purposes only. Consult with a licensed professional for exact valuations.

Disclaimer: AI Insights are generated by an automated system and should be used for informational purposes only. While we strive for accuracy using current market data and deep-learning models, these assessments do not constitute professional real estate, legal, or financial advice. All property values, predictions, and scores are estimates. We strongly recommend verifying all property details and conducting independent due diligence with a licensed professional before making any purchase decisions.

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