295 Cowan Street, Thunder Bay, ON

$299,900
MLS#:X13677352
2 beds
1 baths
Residential Freehold
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Added:Aug 14, 2026(15 days ago)
Updated:Aug 20, 2026(9 days ago)
Last Checked:4 minutes ago

Property Highlights

Welcome to this remarkable Bungalow detached located in the coveted neighborhood of Current River. Expertly crafted featuring premium stucco (plaster) construction, this residence presents an exceptional opportunity offered at $299,900 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.

  • 2 Bedrooms and 1 Bathroom
  • Spacious lot size measured in Feet
  • Features a finished, full basement, adding superb versatility for recreation, a home gym, or extra storage
  • Notable attributes: Other
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

Contemporary 2 bedroom Current River bungalow! Excellent value for this spotless home with numerous improvements including a bright and sunny white kitchen, updated 4 pce bath, beautiful neutral decor and complete with a super spacious rec.room in the basement. There's plenty of parking, a fenced yard and great neighbors that the sellers are really going to miss! Conveniently located and only steps to the golf course, a short walk for groceries, close to great schools, a 5 minute drive to Boulevard Lake and 10 minutes to Wildgoose Park on Lake Superior. Nature at your doorstep!

Work with the SOUSA TEAM to unlock your . If we are unable to negotiate your purchase price below asking, we'll rebate you up to $10,000!*

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Property Summary

This detached home located at 295 Cowan Street, Thunder Bay is currently for sale and has been available on SousaSells for 15 days. This property is listed at $299,900 with an estimated mortgage of $998* per month. It has 2 beds, 1 bathroom, and is unknown square feet. 295 Cowan Street, Thunder Bay is in the Current River neighborhood.

Work with the SOUSA TEAM to unlock your .

* 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 Current River, Thunder Bay.

Great for Small Household / Couples
What We Love About This Home
  • •2 spacious bedroom layout offering versatile living space
  • •1 well-appointed bathroom
  • •Desirable Detached architecture in Current River, Thunder Bay
Standout Features & Layout
Who Should Buy This Home?

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

Target Buyer Match

Key Features

Bedrooms
2
Bathrooms
1
Kitchens
1
Property Type
Residential Freehold

Additional Details

StatusActive
AddedAug 14, 2026 (15 days ago)
UpdatedAug 20, 2026 (9 days ago)
Last Checked4 minutes ago
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural StyleBungalow
ConstructionStucco (Plaster)
BasementFinished, Full
CountyThunder Bay
Annual Tax$2,914
Legal DescriptionPCL 5778 SEC PAF; PT LT 10 PL M111 MCINTYRE AS IN LPA65662; THUNDER BAY

Parking & Garage

Garage TypeNone

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

  • Fenced Yard

Interior Features

  • Other

Security Features

None listed

Community Features

None listed

Frequently Asked Questions about 295 Cowan Street, Thunder Bay, ON

Q.What is the asking price for 295 Cowan Street, Thunder Bay, ON ?

The current listing price for 295 Cowan Street, Thunder Bay, ON in Current River, Thunder Bay is $299,900.

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

This property features 2 bedrooms and 1 bathroom.

Q.What property type and architectural style is 295 Cowan Street, Thunder Bay, ON ?

295 Cowan Street, Thunder Bay, ON is a Detached (Bungalow) featuring a Finished, Full basement.

Q.What key property features does 295 Cowan Street, Thunder Bay, ON offer?

Key property features include: Fenced Yard.

Q.What interior features are included in this home?

Interior highlights include: Other.

Q.What heating and cooling systems are installed?

Heating is provided via Gas and cooling via Central Air.

Virtual Tour & 3D Walkthrough

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Location

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295 Cowan Street, Thunder Bay, ON

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Neighborhood Safety Index

Neighborhood Safety & Crime Analytics

Current River, Thunder Bay

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 295 Cowan Street, Thunder Bay, ON P7A 1R6

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 Thunder Bay.

Configure Loan Settings

Interest Rate4.00%
Down Payment$89,970 (30.0%)
* Minimum Canadian down payment required for this price is $14,995.
Amortization Period30 Years
Estimated Monthly Payment$998Based on a loan of $209,930 over 30 years.
Purchase Price$299,900
Loan Amount$209,930
Provincial Land Transfer Tax:$2,974
Total Estimated Closing Taxes:$2,974

About Purchasing a Home in Thunder Bay, ON

For a property listed at $299,900 in Thunder Bay, the legal minimum down payment is $14,995 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 $2,974 for this transaction. As this listing is in Thunder Bay (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $2,974.

Similar Listings in Current River, Thunder Bay

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Current River, Thunder Bay Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for Current River, Thunder Bay.

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$373,233

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 Current River, Thunder Bay

Elementary Schools

Claude E Garton
Public414 Grenville Avenue, Thunder Bay, Ontario, P7A 1X9
7.9
St Paul
Public539 Grenville Avenue, Thunder Bay, Ontario, P7A 2C3
8.5
Vance Chapman
Public1000 Huron Avenue, Thunder Bay, Ontario, P7A 6L4
9.1
St Margaret
Public89 Clayte Street, Thunder Bay, Ontario, P7A 6S4
5.3
St James
Public243 Court Street North, Port Arthur, Thunder Bay, Ontario, P7A 3P1
6.0

Secondary Schools

St. Ignatius
Catholic285 Algoma Street North, Thunder Bay, Ontario, P7A 2J6
6.6
de la Verendrye
Public175 High Street North, Thunder Bay, Ontario, P7A 8C7
5.6

Current River, Thunder Bay Demographic Home information

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied65%
Rented35%

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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