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109 Argyle Street
Welcome to this versatile 1.25-acre property offering space, comfort, and exciting commercial potential. Ideally situated across from a newly completed park with scenic walking paths, this property combines peaceful acreage living with convenient nearby amenities.The 1,003 sq. ft. home features a classic 1960s design set on a newer basement foundation and has seen numerous recent upgrades. Improvements include updated plumbing and electrical, a new metal roof, newly finished hardwood floors, and new vinyl laminate flooring in the kitchen. The finished basement adds excellent flexibility with a bathroom, laundry area, gas fireplace, and an Illegal in-law suite, making it ideal for extended family or guests. The main floor was freshly repainted in February 2026, giving the interior a bright, refreshed feel. Outdoor living is well accommodated with two decks and a patio, perfect for enjoying the surrounding acreage. A major highlight of the property is the large, well-built heated shop 53’x23’ equipped with 3-phase power, making it ideal for trades, equipment storage, or potential business use. The beautifully maintained grounds include two large garden areas, along with mature plum and apple trees. The property is connected to town water, providing the convenience of municipal service while still enjoying acreage living.With ample space, a functional home, a heated 3-phase powered shop, and potential for commercial use, this unique property offers an excellent opportunity for homeowners, hobbyists, or entrepreneurs alike. (id:65958)
Basement
| Room | Dimensions | Features |
|---|---|---|
| 3pc Bathroom | 7.67 Ft x 7.42 Ft | |
| Bedroom | 9.67 Ft x 8.58 Ft | |
| Laundry room | 14.83 Ft x 7.42 Ft | |
| Office | 9.67 Ft x 12.75 Ft | |
| Recreational, Games room | 19.25 Ft x 12.67 Ft | |
| Storage | 8.17 Ft x 10.08 Ft | |
| Furnace | 4.58 Ft x 5.08 Ft |
Main level
| Room | Dimensions | Features |
|---|---|---|
| 4pc Bathroom | 5.08 Ft x 8.00 Ft | |
| Bedroom | 9.92 Ft x 11.42 Ft | |
| Bedroom | 10.33 Ft x 10.08 Ft | |
| Dining room | 9.75 Ft x 8.83 Ft | |
| Kitchen | 13.08 Ft x 8.50 Ft | |
| Living room | 15.33 Ft x 15.25 Ft | |
| Primary Bedroom | 9.92 Ft x 13.42 Ft |
10-item due-diligence checklist. We can pre-flight most of these for you on a CMA call.
Comparable sales
Ask for 3–5 recent solds within ~1 km and the same beds/baths so the list price has context.
Property condition
Roof age, furnace age, hot-water tank age, electrical panel size, windows. Cosmetic vs structural.
Zoning
Confirm zoning matches your intent (single-family vs duplex vs secondary suite vs commercial).
Suite legality / potential
If suited or being marketed as suited: confirm permits, separate entrance, ceiling height, egress windows.
Monthly carrying cost
Mortgage + property tax + insurance + condo fee (if any) + utilities. Compare to your max budget.
Property taxes
Confirm the annual tax amount on the current assessment — and whether a reassessment is pending.
Insurance estimate
Get a same-day quote. Older homes, knob-and-tube wiring, polybutylene plumbing, flood plains all change the number.
Commute
Drive it (or transit it) at the actual time of day you'd commute. Map ETA lies during peak hours.
Deposit and financing conditions
Deposit size, financing condition window, condition removal date, possession date — all negotiable.
Inspection considerations
Budget for a home inspector ($500–700) and any specialty inspections (sewer scope, mould, asbestos for pre-1990 builds).
Cash on cash
5.65%
Cap rate
6.00%
GRM
11.5
Break-even rent
$2,504
Financing
Operating expenses (monthly)
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Approximation only. Actual cash flow depends on financing terms, condition reports, current market rents, property tax assessment, condo fees, and tenant quality. Defaults: 4.5% rate, 30-year amortization, 5% vacancy, 1%/yr maintenance, 0.5%/yr CapEx reserve, $80/mo insurance. Property tax estimated at 0.55%/yr where not provided. Talk to a mortgage broker before relying on these numbers.
Pick a down payment and tap any underlined number to edit. Total updates live. Confirm with a mortgage broker before writing an offer.
Monthly carrying costs (shared)
Approximation only. CMHC default insurance is included when down payment is under 20%. Property tax and condo fees come from MLS when listed and may not reflect the current billing year. Accelerated bi-weekly frequency reduces total interest paid vs. monthly — confirm with a broker. Suite rental income depends on permits, market rent, and vacancy. Always validate with a mortgage broker before writing an offer.
We'll reply by text within a few hours. Comparable sales, condition flags, things worth checking — sent before you book a showing.
Listing brokerage
Listing brokerage on file
Listing data via CREA DDF®. Information is deemed reliable but not guaranteed accurate by CREA. Last updated May 8, 2026.
Buyer-fit signals
Derived from listing data and nearby-amenity proximity. Verify anything that matters to your decision — distances are approximate.
Location of this listing. Distances are straight-line.
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