99 Spencer Street, Bracebridge, ON

$1,289,900
MLS#:X13719946
8 beds
6 baths
3500-5000 sqft
6.0 parking
Residential Freehold
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Added:Aug 26, 2026(3 days ago)
Updated:Aug 27, 2026(2 days ago)
Last Checked:22 minutes ago

Property Highlights

Welcome to this remarkable 1 1/2 Storey fourplex located in the coveted neighborhood of Monck (Bracebridge). Expertly crafted featuring premium vinyl siding construction, this residence presents an exceptional opportunity offered at $1,289,900 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.

  • 8 Bedrooms and 6 Bathrooms with 4 functional kitchens
  • Generous living space spanning 3500-5000 sqft on a premium 98 x 163 ft lot
  • Features a apartment, full, separate entrance, walk-up, partially finished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 6.0 total parking spaces available
  • Notable attributes: Accessory Apartment, In-Law Capability, Primary Bedroom - Main Floor
  • Efficient forced air heating via gas

Description

Immaculately renovated and beautifully appointed with a uniquely functional and practical layout, this large in-town Bracebridge 4-plex exudes the kind of pride of ownership rarely found in a rental property. Fully tenanted with excellent income, and situated right in the heart of town within walking distance of downtown and the new library and arena. Central, yet tucked away on the corner of 2 quieter streets. The main floor presents an ideal owner's unit with vaulted ceilings, sound-dampening insulation, fireplace, and beautiful bathroom with nice finishes. Secondary main floor 2 bedroom 1.5 bath unit has its own deck. Upper unit is a 3 bedroom 1.5 bathroom with private balcony. Lower level 3 bedroom 1 bathroom unit has a walk-up to backyard and 2 living areas, one with fireplace. Ample parking. Zoned R4-19. Flat property with good sized yard. 4 separate hydro meters, upgraded 400 amp service with 4 x 100 amp panels. Gas furnace. On-site coin-operated laundry in communal area. Superb value for a savvy investor seeking a full-occupancy, turnkey rental operation in a fantastic location. Full municipal services including water, sewer, and gas. Lakeland fibre optic internet availability. Owned mechanicals. Integrated fire alarm system with wifi monitoring. Wifi-controlled thermostat. Walking distance to public transit. 7% cap rate.

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Property Summary

This fourplex located at 99 Spencer Street, Bracebridge is currently for sale and has been available on SousaSells for 3 days. This property is listed at $1,289,900 with an estimated mortgage of $4,294* per month. It has 8 beds, 6 bathrooms, and is 3500-5000 square feet. 99 Spencer Street, Bracebridge is in the Monck (Bracebridge) 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 8 bedrooms and 6 bathrooms, this home offers ample space and comfort for growing families in Monck (Bracebridge), Bracebridge.

Highly Recommended for Families
What We Love About This Home
  • •8 spacious bedroom layout offering versatile living space
  • •6 well-appointed bathrooms
  • •3500-5000 sqft of generous functional square footage
Standout Features & Layout
Who Should Buy This Home?

Growing families needing multi-bedroom flexibility and space in Monck (Bracebridge), Bracebridge.

Target Buyer Match

Key Features

Bedrooms
8
Bathrooms
6
Kitchens
4
Living Area
3500-5000 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
AddedAug 26, 2026 (3 days ago)
UpdatedAug 27, 2026 (2 days ago)
Last Checked22 minutes ago
Transaction TypeFor Sale

Property Details

Property Sub-TypeFourplex
Architectural Style1 1/2 Storey
ConstructionVinyl Siding
BasementApartment, Full, Separate Entrance, Walk-Up, Partially Finished
Lot Size98 × 163 Feet
CountyMuskoka
Annual Tax$7,669.34
Legal DescriptionPT LT 64 PL 2 MONCK PT 1, 35R13388; S/T DM246951; BRACEBRIDGE ; THE DISTRICT MUNICIPALITY OF MUSKOKA

Parking & Garage

Parking Total6.0
Parking Space6
Garage TypeNone

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingNone

Features

Property Features

  • Hospital
  • Library
  • Park
  • Place Of Worship
  • Public Transit
  • Sloping

Interior Features

  • Accessory Apartment
  • In-Law Capability
  • Primary Bedroom - Main Floor
  • Separate Hydro Meter
  • Upgraded Insulation
  • Water Heater Owned
  • Water Heater

Security Features

  • Carbon Monoxide Detectors
  • Smoke Detector
  • Other
  • Monitored

Community Features

None listed

Frequently Asked Questions about 99 Spencer Street, Bracebridge, ON

Q.What is the asking price for 99 Spencer Street, Bracebridge, ON ?

The current listing price for 99 Spencer Street, Bracebridge, ON in Monck (Bracebridge), Bracebridge is $1,289,900.

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

This property features 8 bedrooms and 6 bathrooms across approximately 3500-5000 sqft.

Q.What property type and architectural style is 99 Spencer Street, Bracebridge, ON ?

99 Spencer Street, Bracebridge, ON is a Fourplex (1 1/2 Storey) featuring a Apartment, Full, Separate Entrance, Walk-Up, Partially Finished basement.

Q.What key property features does 99 Spencer Street, Bracebridge, ON offer?

Key property features include: Hospital, Library, Park, Place Of Worship, Public Transit, Sloping.

Q.What interior features are included in this home?

Interior highlights include: Accessory Apartment, In-Law Capability, Primary Bedroom - Main Floor, Separate Hydro Meter, Upgraded Insulation, Water Heater Owned, Water Heater.

Q.What security features are installed at 99 Spencer Street, Bracebridge, ON ?

Security features include: Carbon Monoxide Detectors, Smoke Detector, Other, Monitored.

Q.Is parking available at this property?

Yes, this property offers parking space for 6.0 vehicles (None).

Q.What heating and cooling systems are installed?

Heating is provided via Gas and cooling via None.

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Location

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99 Spencer Street, Bracebridge, ON

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Neighborhood Safety Index

Neighborhood Safety & Crime Analytics

Monck (Bracebridge), Bracebridge

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–¼ 6%

Improving vs previous year

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

Formula: (Annual Occurrences / Population) × 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 99 Spencer Street, Bracebridge, ON P1L 1C4

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 Bracebridge.

Configure Loan Settings

Interest Rate4.00%
Down Payment$386,970 (30.0%)
* Minimum Canadian down payment required for this price is $257,980.
Amortization Period30 Years
Estimated Monthly Payment$4,294Based on a loan of $902,930 over 30 years.
Purchase Price$1,289,900
Loan Amount$902,930
Provincial Land Transfer Tax:$22,273
Total Estimated Closing Taxes:$22,273

About Purchasing a Home in Bracebridge, ON

For a property listed at $1,289,900 in Bracebridge, the legal minimum down payment is $257,980 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 $22,273 for this transaction. As this listing is in Bracebridge (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $22,273.

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Monck (Bracebridge), Bracebridge Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for Monck (Bracebridge), Bracebridge.

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$830,537

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 Monck (Bracebridge), Bracebridge

Elementary Schools

Monck
Public250 Wellington Street North, Bracebridge, Ontario, P1L 1C1
6.6
Bracebridge
Public100 Clearbrook Trail, Bracebridge, Ontario, P1L 0A3
5.6
Macaulay
Public1270 Cedar Lane, Bracebridge, Ontario, P1L 1W9
8.0

Secondary Schools

Bracebridge and Muskoka Lakes
Public100 Clearbrook Trail, Bracebridge, Ontario, P1L 0A3
6.7
St. Dominic
Catholic955 Cedar Lane, Bracebridge, Ontario, P1L 0A1
5.4

Monck (Bracebridge), Bracebridge 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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