641 Bay Street, Midland, ON L4R 1L8
- Property tax
- $3,549 / year
Welcome to your perfect family home, ideally situated in the heart of Midland. Just a short walk to shops, schools, trails, and the shores of beautiful Georgian Bay, this charming 3+ bedroom century home offers the perfect blend of character and modern updates. Step inside and enjoy the warmth of hardwood floors, freshly painted, a spacious kitchen with island, and separate family, living, and dining areas ideal for both everyday living and gathering with loved ones. With two full bathrooms, gas heat, and central air, comfort comes standard. Outside, the large deck with a covered roof sets the stage for relaxed summer barbecues and quiet evenings. The oversized detached garage offers great storage or workspace, and the generous 50' x 150' in-town lot gives you room to grow. Lovingly maintained and thoughtfully updated from top to bottom - ask for the full list of upgrades. Don't miss this one! What are you waiting for.
- MLS number
- S13088554
- Type
- Detached
- Status
- Active
- Bedrooms
- 3
- Bathrooms
- 2
- Postal code
- L4R 1L8
- Photos
- 39
- Laundry
- Lower Level level
This listing’s own days on market are shown above. How long the property has been for sale across every earlier listing is drawn from records the board releases only to registered users — a free account opens it, along with the sale history below.
Rooms
9 rooms as the listing brokerage filed them, with measurements.
Main
| Room | Size | Features |
|---|---|---|
| Kitchen | 3.40 × 4.00 m | — |
| Dining Room | 3.53 × 4.02 m | — |
| Family Room | 3.40 × 4.05 m | — |
| Living Room | 5.24 × 3.20 m | — |
| Bathroom | 2.28 × 2.19 m | 3 Pc Bath |
Second
| Room | Size | Features |
|---|---|---|
| Bedroom | 5.20 × 5.21 m | — |
| Bedroom 2 | 3.36 × 3.68 m | — |
| Bedroom 3 | 3.59 × 3.57 m | — |
| Bathroom | 1.86 × 2.62 m | 4 Pc Bath |
Property details
As filed by the listing brokerage. Anything the board left blank is left out rather than shown as unknown — and none of it is guaranteed accurate by PropTx, so verify what you rely on.
Property
- Type
- Detached
- Style
- 2-Storey
- Class
- Residential Freehold
- Fronting on
- South
- Community
- Midland
- Municipality
- Midland
- Cross street
- Bay - Fourth
- Zoning
- R3
Inside
- Bedrooms
- 3
- Bedrooms above grade
- 3
- Bathrooms
- 2
- Washrooms
- 1 on the main floor · 1 on the second floor
- Kitchens
- 1
- Rooms above grade
- 10
- Family room
- Yes
- Basement
- Unfinished
- Laundry
- Lower Level
- Size
- 1100-1500
Building
- Construction
- Vinyl Siding, Wood
- Roof
- Asphalt Shingle
- Foundation
- Stone
Parking
- Garage
- Detached
- Covered spaces
- 2
- Driveway spaces
- 4
- Total parking
- 6
- Features
- Private, Available
Land
- Lot
- 50.04 × 150.28 feet
- Pool
- None
Heating, cooling and services
- Heating
- Forced Air
- Heat source
- Gas
- Cooling
- Central Air
- Water
- Municipal
- Sewer
- Sewer
- Electricity
- Yes
- Gas
- Yes
- Cable
- Available
Features
- Property
- Golf, Hospital, Library, Marina, Park, Rec./Commun.Centre
- Interior
- Water Heater
Listing
- MLS number
- S13088554
- Status
- Price Change
- Previous status
- New
- Listed on
- 2026-05-06
- Expires
- 2026-11-05
- Taxes
- $3,549 (2025)
- Board
- One Point Association of REALTORS
Listing history
This address has been listed 3 times.
Where this property is
Where this address sits, matched against open government data.
Estimated from the house-number range along this road: the right block of the right street, not the exact building. No address file publishes this house.
Schools
The school boundaries this address is inside, and the schools nearest it. Boards redraw boundaries and cap programs — confirm with the board before this affects a decision.
Other schools nearby
By distance from this address, not school boundary — a school 400 m away can be in another school’s attendance area.
| School | Level | Distance | Rating |
|---|---|---|---|
| Mundy's Bay Elementary Public School Simcoe County DSB | Elementary | 534 m | / 10 58% met the standard |
| Bayview Public School Simcoe County DSB | Elementary | 828 m | / 10 56% met the standard |
| Georgian Bay District Secondary School Simcoe County DSB | Secondary | 1.0 km | / 10 62% met the standard · 2 of 6 measures |
| Huron Park Public School Simcoe County DSB | Elementary | 1.5 km | / 10 68% met the standard |
| Sacred Heart School Simcoe Muskoka CDSB | Elementary | 1.7 km | / 10 40% met the standard · 3 of 6 measures |
| Monsignor Castex Separate School Simcoe Muskoka CDSB | Elementary | 1.7 km | / 10 64% met the standard |
How the rating is calculated
EQAO — Ontario’s testing agency — publishes, for each school, the percentage of students meeting the provincial standard in Grade 3 and Grade 6 reading, writing and mathematics. The rating is the average of those percentages divided by ten. A school where 72% of students met the standard rates 7.2 out of 10.
Nothing is weighted or adjusted, and schools are not ranked against each other. Where EQAO withholds a result to protect the privacy of a small group of students, that measure is left out rather than counted as zero — so a rating built on fewer than six measures says so.
What it does not measure. It is one year of standardised testing in three subjects. It says nothing about teaching, programs, or whether a school suits a particular child, and it tracks neighbourhood household income closely enough that it partly measures the neighbourhood rather than the school. Treat it as one figure among many.
Source: Ontario Ministry of Education, School Information and Student Demographics (2024–25), Open Government Licence – Ontario.
H-Value
The market around this home
Detached houses in Midland — 340 sales over the last five years.
How these are built, and what they cannot tell you
Each point is the median of the sales that closed in that quarter among detached houses in midland. A quarter with fewer than eight is left out rather than drawn, and the line breaks where that happens — a median over three sales is really one home’s price, and joining across a gap would draw a number nobody measured.
This is not an estimate of what this home is worth. The segment is a property type in an area; it takes no account of this home’s size, condition, renovations, lot, exposure or how it compares to its neighbours, and half the homes in any quarter sold for more than the median and half for less. It is context for a conversation with an agent, not a valuation.
Toronto Regional Real Estate Board closed transactions. Deemed reliable but not guaranteed accurate by PropTx.
This neighbourhood
Statistics Canada 2021 Census, for the surrounding few blocks — about 390 people.
The neighbourhood, by the census
Statistics Canada 2021 Census for dissemination area 35430581 — the few blocks around this address, home to 390 people. It describes the area, not this property.
Percentages are of the 220 responses in this category. Statistics Canada rounds counts and withholds small ones to keep individuals unidentifiable, so categories with too few people to publish are absent rather than shown as zero.
Source: Statistics Canada, 2021 Census of Population. Contains information licensed under the Open Government Licence – Canada.
Work out the numbers
Everything below is calculated in your browser from figures you can change. Nothing is sent anywhere.
If you rented it out
How this is calculated, and what it leaves out
Canadian fixed-rate mortgages compound semi-annually, not monthly, so the monthly rate here is (1 + rate/2)1/6 − 1. Most calculators use rate ÷ 12, which is the American convention and overstates the payment by tens of dollars a month.
Below 20% down, default insurance is mandatory and is added to the loan rather than paid at closing: 2.80% at 85% loan-to-value, 3.10% at 90%, 4.00% at 95%. It is unavailable at or above $1.5M, which is why 20% is a hard floor there.
Not included: vacancy, property management, capital repairs, income tax, and the fact that a lender qualifies you at a stress-test rate rather than the one you are quoted. This is arithmetic on the numbers above, not a mortgage approval or an opinion of what you can afford.