Homula Realty Brokerage
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80 9th Street E 105, Owen Sound, ON N4K 1N4

Commercial Retail
$90,000

Affordable commercial ownership is becoming harder to find, especially in a location this central. Offering approximately 220 sq.ft. in the heart of Owen Sound, this commercial condo is an ideal fit for a private office, studio, boardroom, or small business headquarters. Low-maintenance and cost-effective, it provides the opportunity to build equity in your own space while enjoying excellent signage exposure and a professional setting. Perfect for entrepreneurs ready to graduate from the garage, home office, or shared workspace and establish a place of their own.

MLS number
X13248122
Type
Commercial Retail
Status
Active
Bedrooms
—
Bathrooms
—
Postal code
N4K 1N4
Photos
7
Property tax
$1,383 / year
100days · this listing
Total days on market across every earlier listing of this propertyRegistration and sign-in required

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.

Listing history

This address has been listed 2 times.

Sale history is for registered usersSee what this address sold for and when, across all 2 listings. Free account — the board’s rules require one before sold data can be shown.Create a free account

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.

SchoolLevelDistanceRating
Hillcrest Elementary School
Bluewater DSB
Elementary634 m5.2 / 10
52% met the standard
Riverforest Montessori SchoolElementary1.2 kmNot reported
St Mary's High School
Bruce-Grey CDSB
Secondary1.2 km6.2 / 10
62% met the standard · 2 of 6 measures
Owen Sound District Secondary School Secondary School
Bluewater DSB
Secondary1.1 km6.5 / 10
65% met the standard · 2 of 6 measures
Timothy Christian SchoolElementary1.4 kmNot reported
Alexandra Community School
Bluewater DSB
Elementary1.4 km5.5 / 10
55% 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

our estimate of this home is for registered usersWhat comparable homes nearby actually sold for, worked into an estimate for this one — with the range it sits in and how far the method has been off in testing.Create a free accountAlready have one? Sign in.

What an H-Value is and how it is calculated — the method and our measured error, no account needed.

This neighbourhood

Statistics Canada 2021 Census, for the surrounding few blocks — about 661 people.

$57,600Median household income
59.4%Own their home
28.8%Detached houses
41.2Median age
3.8%Born outside Canada
19.2%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35420262 — the few blocks around this address, home to 661 people. It describes the area, not this property.

661Population
42.8Average age
2Household size
$68,500Average household income
$57,600Median household income
59%Own their home
41%Rent
19%Condominiums
4%Born outside Canada
19%University degree
$396,000Average home value
21%Low income
51%Not in the labour force
32%Never married
Under $5,0003%
$5,000 to $9,9991%
$10,000 to $14,9991%
$15,000 to $19,9993%
$20,000 to $24,9995%
$25,000 to $29,9995%
$30,000 to $34,9994%
$35,000 to $39,9995%
$40,000 to $44,9995%
$45,000 to $49,9994%
$50,000 to $59,9999%
$60,000 to $69,9998%
$70,000 to $79,9999%
$80,000 to $89,9994%
$90,000 to $99,9994%
$100,000 and over16%
$100,000 to $124,9995%
$125,000 to $149,9995%
$150,000 to $199,9991%
$200,000 and over4%

Percentages are of the 395 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.

$18,000 · minimum here is $4,500
$398.50per month
Borrowed before insurance$72,000
Total borrowed$72,000
Interest over 25 years at 4.5%$47,550

If you rented it out

-$513.75per month out of pocket
Rent$0.00
Everything it costs to hold$513.75
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.

Listed by Real Broker Ontario Ltd. Listing data provided by the Toronto Regional Real Estate Board.