71 Stephen Street, Smiths Falls, ON

$499,900
MLS#:X12873084
5 beds
2 baths
1100-1500 sqft
4.0 parking
Residential Freehold
Residential Freehold for sale - 5 Bed, 2 Bath Home at 71 Stephen Street Smiths Falls ON listed at $499,900 (MLS# X12873084) - Main View
For Sale
Added:Mar 11, 2026(188 days ago)
Updated:Sep 7, 2026(8 days ago)
Last Checked:14 minutes ago

Property Highlights

Welcome to this remarkable 2-Storey duplex located in the coveted neighborhood of Smiths Falls. Expertly crafted featuring premium vinyl siding construction, this residence presents an exceptional opportunity offered at $499,900 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.

  • 5 Bedrooms and 2 Bathrooms with 2 functional kitchens
  • Generous living space spanning 1100-1500 sqft on a premium 50 x 110 ft lot
  • Features a apartment, finished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 4.0 total parking spaces available
  • Notable attributes: Carpet Free, Separate Heating Controls, Separate Hydro Meter
  • Efficient baseboard heating via electric

Description

Vacant upper unit, tenanted lower unit. Good upside potential here. This up/down duplex offers 3 bedrooms upstairs with a 4- piece bathroom, a kitchen, laundry closet, a dining area, a living room and mudroom entrance. The lower level adds a second self-contained suite with 2 more bedrooms, a 2nd kitchen, another living room and dining area plus a 4- piece bathroom. The home has 2 100-amp breaker panels, each unit with its own meter. Steel roofing (2022). One new hot water tank in 2014 and one in 2024. This is a great opportunity to live in and rent one suite or rent both units. An easy managed lot with parking on the side. Lower suite is currently tenanted and is being sold with a Buyer assuming the tenancy. Tenant paying $1100/month plus Hydro (heat) on a 1year lease through to Sept 2026. Good sized yard. Parking for 4 vehicles. Steel roofing too. Note: Photos available only for the upper vacant unit. Lower level tenant is good and tidy but requested privacy.

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Property Summary

This duplex located at 71 Stephen Street, Smiths Falls is currently for sale and has been available on SousaSells for 188 days. This property is listed at $499,900 with an estimated mortgage of $1,664* per month. It has 5 beds, 2 bathrooms, and is 1100-1500 square feet. 71 Stephen Street, Smiths Falls is in the Smiths Falls 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?

Yes! Featuring 5 bedrooms and 2 bathrooms, this home offers ample space and comfort for growing families in Smiths Falls, Smiths Falls.

Highly Recommended for Families
What We Love About This Home
  • •5 spacious bedroom layout offering versatile living space
  • •2 well-appointed bathrooms
  • •1100-1500 sqft of generous functional square footage
Standout Features & Layout
Who Should Buy This Home?

Growing families needing multi-bedroom flexibility and space in Smiths Falls, Smiths Falls.

Target Buyer Match

Key Features

Bedrooms
5
Bathrooms
2
Kitchens
2
Living Area
1100-1500 sqft
Property Type
Residential Freehold

Additional Details

StatusExtension
Price$499,900
AddedMar 11, 2026 (188 days ago)
UpdatedSep 7, 2026 (8 days ago)
Last Checked14 minutes ago
Transaction TypeFor Sale
List Office NameRE/MAX AFFILIATES MARQUIS

Property Details

Property Sub-TypeDuplex
Architectural Style2-Storey
ConstructionVinyl Siding
BasementApartment, Finished
Lot Size50 Ă— 110 Feet
CountyLanark
Annual Tax$4,123
Legal DescriptionLT 24 S/S STEPHEN ST PL 13884 LANARK S MONTAGUE ; TOWN OF SMITHS FALLS

Parking & Garage

Parking Total4.0
Parking Space4
Garage TypeNone

Heating & Cooling

Heat SourceElectric
Heat TypeBaseboard
CoolingNone

Features

Property Features

None listed

Interior Features

  • Carpet Free
  • Separate Heating Controls
  • Separate Hydro Meter
  • Water Heater Owned

Security Features

None listed

Community Features

None listed

Property History

No historical data available for this property.

This could be the first listing for this address.

Smiths Falls Home Buyer Advisory & Market HubActive MLS® Listing in Smiths Falls, Ontario

Looking to Buy a Home in Smiths Falls?

If you are looking for a house in Smiths Falls or researching Smiths Falls real estate for sale, this 5-bedroom duplex at 71 Stephen Street, Smiths Falls, ON offers an exceptional opportunity to buy a home in Smiths Falls, Ontario. Whether you are a first-time Smiths Falls home buyer or comparing active Smiths Falls MLS® homes for sale, working with a dedicated Smiths Falls buyer agent ensures you receive priority showing access, unrepresented buyer protection, and aggressive price negotiation.

Smiths Falls Homes for Sale & MLS® Listings

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Dedicated Smiths Falls Buyer Agent

Under Ontario REBBA/TRESA regulations, the listing brokerage is legally bound to the seller's financial interests. Work with an experienced Smiths Falls realtor & real estate broker who represents you 100%—at zero cost to you as a buyer.

Smiths Falls Buyer Budget & Costs

Estimated mortgage: $1,664*/month*. Estimated Ontario Land Transfer Tax: $6,473. First-time Smiths Falls home buyers may qualify for up to $8,475 in rebates.

Frequently Asked Questions: Buying a Home in Smiths Falls

Frequently Asked Questions about 71 Stephen Street, Smiths Falls, ON

Q.What is the asking price for 71 Stephen Street, Smiths Falls, ON ?

The current listing price for 71 Stephen Street, Smiths Falls, ON in Smiths Falls, Smiths Falls is $499,900.

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

This property features 5 bedrooms and 2 bathrooms across approximately 1100-1500 sqft.

Q.What property type and architectural style is 71 Stephen Street, Smiths Falls, ON ?

71 Stephen Street, Smiths Falls, ON is a Duplex (2-Storey) featuring a Apartment, Finished basement.

Q.What interior features are included in this home?

Interior highlights include: Carpet Free, Separate Heating Controls, Separate Hydro Meter, Water Heater Owned.

Q.Is parking available at this property?

Yes, this property offers parking space for 4.0 vehicles (None).

Q.What heating and cooling systems are installed?

Heating is provided via Electric and cooling via None.

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Location

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71 Stephen Street, Smiths Falls, ON

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Neighborhood Safety Index

Neighborhood Safety & Crime Analytics

Smiths Falls, Smiths Falls

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 & GTA 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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Pricing & Value Insights

Data-driven valuation for 71 Stephen Street, Smiths Falls, ON K7A 1K7

Estimated Sales Range
$475,000 - $490,000

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 Smiths Falls.

Configure Loan Settings

Interest Rate4.00%
Down Payment$149,970 (30.0%)
* Minimum Canadian down payment required for this price is $24,995.
Amortization Period30 Years
Estimated Monthly Payment$1,664Based on a loan of $349,930 over 30 years.
Purchase Price$499,900
Loan Amount$349,930
Provincial Land Transfer Tax:$6,473
Total Estimated Closing Taxes:$6,473

About Purchasing a Home in Smiths Falls, ON

For a property listed at $499,900 in Smiths Falls, the legal minimum down payment is $24,995 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 $6,473 for this transaction. As this listing is in Smiths Falls (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $6,473.

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Smiths Falls, Smiths Falls Neighborhood Guide

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

Verified Local Data
City Population2,794,356
City Median Age39.2 Yrs
City Ownership48% Owners
Avg Area List Price$496,912

People & Families

Age Distribution

Household Composition

One-person households
32%
Families with children
36%
Couples without children
24%
Other households
8%

Top Ethnic Origins

Chinese11%
English9%
Canadian8%
East Indian8%

Best Schools in Smiths Falls, Smiths Falls

Elementary Schools

Duncan J Schoular
Public41 McGill Street South, Smiths Falls, Ontario, K7A 3M9
2.6
St Francis de Sales
Public4 Ross Street, Smiths Falls, Ontario, K7A 4L5
2.9
Chimo
Public11 Ross Street, Smiths Falls, Ontario, K7A 4V7
3.7

Secondary Schools

St. Luke Catholic
Catholic5 Catherine Street, Smiths Falls, Ontario, K7A 3Z9
0.9
Smiths Falls
Public10 Ontario Street, Smiths Falls, Ontario, K7A 4P9
3.7

Smiths Falls, Smiths Falls Demographic Home information

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied48%
Rented52%

Need more details or a custom CMA?

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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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