
20 River Street
Smiths Falls, ON K7A 3S2
- 3Bedrooms
- 2Bathrooms
- 0Garage
- 700–1100Sq Ft
- $2,368Tax
- 40×181 ftLot Size
- Estimated Value:$364,069See Free Estimate Report

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About 20 River Street, Smiths Falls, Smiths Falls
Summarized Description
- Oversized lot near Rideau Canal.
- Direct access to scenic walking paths.
- Extensive updates and timeless finishes.
- Custom built-in dressers in primary bedroom.
- Thoughtfully designed outdoor space for entertaining.
- Walking distance to elementary schools.
- Quiet street in a sought-after neighbourhood.
- Perfect blend of convenience and lifestyle.
Welcome to a rare opportunity in an exceptional location-this beautifully updated home sits on an oversized lot just steps from the UNESCO World Heritage Site Rideau Canal. From your backyard, enjoy direct access to scenic walking paths leading to Lower Reach Park, with fishing, paddling, and nature right at your doorstep. A short stroll brings you to the amenities of downtown, offering the perfect blend of convenience and lifestyle. The deep, lot is well framed by mature trees, including a towering pine, and features a thoughtfully designed outdoor space ideal for entertaining, complete with a built-in sandbox for the kids and plenty of room for family gatherings and relaxation. Inside, the home showcases extensive updates and timeless finishes, including maple hardwood flooring throughout both the main and second levels. The inviting living room is anchored by a cozy gas fireplace, while the bright dining area overlooks the backyard and flows seamlessly into a well-appointed, efficient kitchen. A convenient two-piece bath and main floor laundry add to the functionality of the space. Upstairs, the spacious primary bedroom offers a second gas fireplace and custom built-in dressers that maximize storage and style. Two additional bedrooms and a beautifully updated full bathroom complete the upper level. Situated on a quiet street in a sought-after neighbourhood, this is a fantastic family home offering comfort, charm, and an unbeatable lifestyle. Walking distance to both Chimo and St. Francis elementary Schools. Opportunities like this don't come along often-call today!
Key Facts & Features
Property Costs
- Annual Property Tax Amount
- $2,368
- Land Transfer Tax Fee
- $4,673
Rental Items
- Rental Equipment
- NIL
- Basement Type
- Half, Unfinished
Interior Features
- Laundry Level
- Main Level
- Interior Extras
- Carpet Free
- View
- Canal
- Fireplace/Stove
- Yes
- Fireplace Features
- Natural Gas
- Elevator
- No
Exterior Features
- Pool
- None
Building
- Building Type
- Detached
- Building Style
- 2-Storey
Construction
- Exterior Finish
- Stone, Vinyl Siding
- Roof
- Asphalt Shingle
- Foundation Details
- Stone
- Special Designation
- Unknown
Lot
- Lot Front
- 40.00 ft
- Lot Depth
- 181.00 ft
Inclusions
- Inclusions
- Fridge, Stove, Dishwasher
Parking & Garages
- Garage Type
- None
- Garage Spaces
- 0
- Parking Spaces
- 2
- Total Garage And Parking Spaces
- 2
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
Washrooms
- 2-piece, Main
- 4-piece, Second
- Municipality
- Smiths Falls
- Neighbourhood
- Smiths Falls
- Main cross streets
- River St. and Elm St. E.
- Zoning
- RES
- Directions
- River St. and Elm St. E.
- Waterfront
- None
- MLS® number
- X13772356
- Data source
- Toronto Regional Real Estate Board
- Status change
- 2026-09-23
- Listed on
- 2026-09-11
- Days on market
- 12 days
- Possession type
- Flexible
- Co-op commission
- 2.0
- Seller
- Listed by
- RE/MAX AFFILIATES MARQUIS
Home Market Value
Current home valuation for 20 River Street, Smiths Falls, Smiths Falls, Smiths Falls, ON. Listed for $409,900
HOMEH Estimate
$364,069
Estimated Sales Range
$254,848 - $473,290
HOMEH Estimate for 20 River Street, Smiths Falls, Smiths Falls
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% of purchase price for homes $500K or less
$20,495
| Scenario 1 | Scenario 2 | Scenario 3 | Scenario 4 | |
|---|---|---|---|---|
−Down payment | % $ | % $ | % $ | % $ |
+CMHC insurance | $15,576 | $11,436 | $9,756 | $0 |
=Total mortgage | $404,981 | $380,346 | $358,171 | $327,920 |
Amortization | ||||
Mortgage rate | % | % | % | % |
| Payment frequency | ||||
=Mortgage payment | $1,977monthly | $1,857monthly | $1,749monthly | $1,601monthly |
Land Transfer Tax
$4,673
$4,673
Around this home
No schools found nearby
Data provided by OpenStreetMap & Fraser Institute School Rankings
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