
107 Spencer Street
Bracebridge (Monck, Bracebridge), ON P1L 1C3
- 3Bedrooms
- 2Bathrooms
- 2Garage
- 1100–1500Sq Ft
- $3,218Tax
- 59×148 ftLot Size
- Estimated Value:$612,500See Free Estimate Report

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About 107 Spencer Street, Bracebridge, Monck (Bracebridge)
Summarized Description
- Charming backsplit with inviting layout and character.
- Updated kitchen with stainless steel appliances.
- Natural gas cooktop ideal for cooking enthusiasts.
- Cozy walkout lower level with fireplace.
- Double car garage for convenient access.
- Located in a sought-after neighbourhood.
- Walking distance to schools and community centre.
- Efficient heating and cooling with heat pump.
This charming and beautifully styled backsplit offers a warm, inviting feel with a layout that provides both space and functionality for everyday living. Thoughtfully maintained and full of character, the home welcomes you with a bright and spacious main floor featuring a generous dining area for gathering with family and friends, and an updated kitchen complete with stainless steel appliances and a natural gas 6-burner cooktop, perfect for those who love to cook and entertain. Convenient inside entry from the double car garage adds to the ease of daily life. Just a few steps down, the walkout lower level creates a cozy yet open retreat, with a spacious living room anchored by a natural gas fireplace, an ideal place to unwind at the end of the day. This level also offers a large laundry room and a 2 piece powder room, adding to the home's practical design. Up a short flight of stairs from the main level are three comfortable bedrooms and a well-appointed 4-piece family bathroom, providing a quiet and private space for rest. Set on a level yard in a sought-after neighbourhood, this property is perfectly suited for enjoying time outdoors, whether it's play, gardening, or simply relaxing. With full municipal services, Lakeland fibre optic internet, and a heat pump providing efficient heating and air conditioning, comfort and connectivity are seamlessly woven into daily living. Located within walking distance to Monck Public School and the new Muskoka Lumber Community Centre, with its arena, library, multi-sport fieldhouse, and community programming, this home offers not just a place to live, but a lifestyle centred around connection, activity, and making lasting memories.
Key Facts & Features
Property Costs
- Annual Property Tax Amount
- $3,218
- Land Transfer Tax Fee
- $8,473
Rental Items
- Rental Equipment
- None
- Under Contract
- None
- Basement Type
- Finished with Walk-Out
Interior Features
- Laundry Level
- Lower Level
- Interior Extras
- Other, Water Heater Owned
- Security Features
- Carbon Monoxide Detectors, Smoke Detector
- Fireplace/Stove
- Yes
- Fireplace Features
- Natural Gas, Living Room
- Elevator
- No
Exterior Features
- Exterior Extras
- Year Round Living
- Pool
- None
- Property Features
- Hospital, Rec./Commun.Centre, School
- Other Structures
- Shed
Building
- Building Type
- Detached
- Building Style
- Backsplit 3
- Approx Age
- 31-50
Construction
- Exterior Finish
- Vinyl Siding, Brick
- Roof
- Asphalt Shingle
- Foundation Details
- Concrete Block
- Special Designation
- Unknown
Lot
- Lot Front
- 59.46 ft
- Lot Depth
- 148.47 ft
- Lot Size
- 0.21
Inclusions
- Inclusions
- All Window Coverings, All Floating Shelves, All Light Fixtures, All Bathroom Mirrors, Dishwasher, Stove, Built-In Microwave, Fridge, Washer, Dryer, Freezer, Owned Hot Water Tank, Garage Door Opener & All Remotes, Shed
Exclusions
- Exclusions
- Camera(s), Personal Items, Staging Items
Parking & Garages
- Garage Type
- Attached
- Garage Spaces
- 2
- Parking Spaces
- 2
- Total Garage And Parking Spaces
- 4
Heating & Cooling
- Heat Source
- Electric
- Heat Type
- Baseboard
- Air Conditioning
- Other
- Water
- Municipal
- Sewers
- Sewer
- Natural Gas
- Yes
- Hydro
- Yes
- Cable
- Available
- Telephone
- Available
- Bedrooms
- 3
- Washrooms
- 2
- Kitchens
- 1
- Family / bonus room
- Yes
Room sizes
- Kitchen—Main level
- Mud Room—Lower level
- Bathroom—Lower level, 2 Pc Bath
- Primary Bedroom—Upper level
- Bedroom—Upper level
- Living Room—Lower level
- Laundry—Lower level
- Bedroom—Upper level
- Bathroom—Upper level, 4 Pc Bath
- Dining Room—Main level
Washrooms
- 2-piece, Lower
- 4-piece, Upper
- Municipality
- Bracebridge
- Neighbourhood
- Monck (Bracebridge)
- Main cross streets
- Spencer St & Maypark Dr
- Zoning
- R1
- Directions
- Wellington St to North St to Spencer St
- Waterfront
- None
- MLS® number
- X13573178
- Data source
- Toronto Regional Real Estate Board
- Status change
- 2026-08-07
- Listed on
- 2026-07-16
- Days on market
- 22 days
- Possession type
- Immediate
- Co-op commission
- 2.5%+HST. See Seller's Direction.
- Seller
- Listed by
- Coldwell Banker Thompson Real Estate
Home Market Value
Current home valuation for 107 Spencer Street, Bracebridge, Monck (Bracebridge), Bracebridge, ON. Listed for $599,900
HOMEH Estimate
$612,500
Estimated Sales Range
$483,875 - $741,125
HOMEH Estimate for 107 Spencer Street, Bracebridge, Monck (Bracebridge)
Calculated with a real agent's CMA method — 45+ years of experience, codified. Not an AI guess.
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Mortgage Payment Calculator
Compare up to 4 down payment scenarios
5% on first $500K + 10% on $99,900 over $500K
$34,990
| Scenario 1 | Scenario 2 | Scenario 3 | Scenario 4 | |
|---|---|---|---|---|
−Down payment | % $ | % $ | % $ | % $ |
+CMHC insurance | $22,580 | $16,737 | $14,278 | $0 |
=Total mortgage | $587,086 | $556,647 | $524,193 | $479,920 |
Amortization | ||||
Mortgage rate | % | % | % | % |
| Payment frequency | ||||
=Mortgage payment | $2,866monthly | $2,718monthly | $2,559monthly | $2,343monthly |
Land Transfer Tax
$8,473
$8,473
Around this home
Data provided by OpenStreetMap & Fraser Institute School Rankings
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