109 Pembroke Street, Pembroke, ON

$299,000
MLS#:X12858528
0 beds
0 baths
Commercial
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Property Highlights

Welcome to this remarkable commercial retail located in the coveted neighborhood of 530 - Pembroke. Offering a sublime balance of structural integrity and modern aesthetic appeal, this residence presents an exceptional opportunity offered at $299,000 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 17 x 99 ft lot size
  • equipped with no central cooling and highly efficient gas forced air closed heating

Description

Prime Commercial Real estate in vibrant downtown Pembroke. The Building offers 1650sq ft on the main floor, the upstairs offers 2 one bedroom apartments that are currently rented for $1300/month and 1000/moth heat and hydro included. The basement is high and dry and usable for storage and working space. Some upgrades included are new furnace and hot water tank. The location of the building is perfect for many business opportunities. All written offers must have a 24 hour irrevocable.

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Key Features

Property Type
Commercial

Additional Details

StatusActive
Listed Date3/6/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeCommercial Retail
Lot Size17 × 99 Feet
CountyRenfrew
Annual Tax$4,102

Parking & Garage

Garage TypeNone

Heating & Cooling

Heat TypeGas Forced Air Closed
CoolingNo

Features

Property Features

Interior Features

Security Features

No

Community Features

Location

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109 Pembroke Street, Pembroke, ON
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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 109 Pembroke Street W, Pembroke, ON K8A 5M7

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.

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Mortgage & Affordability Audit

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

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Interest Rate5.25%
Down Payment$14,950 (5.0%)
* Minimum Canadian down payment required for this price is $14,950.
Amortization Period25 Years
Estimated Monthly Payment$1,693Based on a loan of $284,050 over 25 years.
Purchase Price$299,000
Loan Amount$284,050
Provincial Land Transfer Tax:$2,960
Total Estimated Closing Taxes:$2,960

About Purchasing a Home in Pembroke, ON

For a property listed at $299,000 in Pembroke, the legal minimum down payment is $14,950 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 $2,960 for this transaction. As this listing is in Pembroke (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $2,960.

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City & Neighborhood Guide

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

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$404,682

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%

Local Schools Guide

Elementary Schools

Cathedral
Public200 Isabella Street, Pembroke, Ontario, K8A 5S7
6.8
L'Équinoxe
Public399 Isabella Street, Pembroke, Ontario, K8A 5T4
4.7
Champlain Discovery
Public390 Bell Street, Pembroke, Ontario, K8A 2K5
3.0
Our Lady of Lourdes
Public535 Irving Street, Pembroke, Ontario, K8A 2V2
8.1
Holy Name
Public299 First Avenue North, Pembroke, Ontario, K8A 5C3
3.6

Secondary Schools

Bishop Smith
Public362 Carmody Street, Pembroke, Ontario, K8A 4G2
7.3
Fellowes
Public420 Bell Street, Pembroke, Ontario, K8A 2K5
4.6
Jeanne-Lajoie
Public1257 Pembroke Street West, Pembroke, Ontario, K8A 5R3
8.2

Homes & Housing

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.