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22 Harvey Street, Tillsonburg, ON N4G 3J6

3 beds · 3 baths · 1 kitchen · 17+5 rooms · 4 parking spaces · 3000-3500 sq ft · Duplex
$450,000
Property tax
$3,927 / year

VACANT & READY FOR YOUR VISION - LIVE, WORK OR INVEST AT 22 HARVEY STREET! A rare opportunity to make this mixed-use property your own in the heart of Downtown Tillsonburg. This substantial three-storey brick building offers over 3,000 sq. ft. of commercial and residential space - now fully vacant and ready for its next chapter. Located directly across from Starbucks with excellent visibility, the property is zoned C-1Central Commercial, allowing for a wide variety of potential uses including professional office, retail, clinics, personal services and mixed residential-commercial uses. With both the commercial and residential spaces vacant, the next owner can take possession and create the setup that works for them from day one - with no existing tenancies or leases to assume. Run your business on the main floor and live upstairs, lease one or both spaces for income, or reimagine the property to suit your plans.The main floor offers a professional office layout with central air updated in 2024, an updated washroom and LED lighting. Upstairs, a spacious 3-bedroom, 2-bathroom residential unit spanning two levels provides additional living or income potential. Bring your ideas. Configure and create a space that works for you - whether that's business, residential, investment or a combination of all three. Additional features include a steel tile roof, lawn sprinkler system, 16' x 12' fire vault, classic brick exterior and on-site parking. With 3,000+ sq. ft., full vacant possession, flexible C-1 zoning and a prime downtown location, 22 Harvey offers space, flexibility and the freedom to make it your own. Floor plan and zoning information available. Book your private showing and explore the possibilities.

MLS number
X13772484
Type
Duplex
Status
Active
Bedrooms
3
Bathrooms
3
Postal code
N4G 3J6
Photos
57
Laundry
Not in the unit
2days · 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 4 times.

Sale history is for registered usersSee what this address sold for and when, across all 4 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
Shokoofa TorontoElementary and secondary147 mNot reported
Annandale Public School
Thames Valley DSB
Elementary554 m4.7 / 10
47% met the standard
St Joseph's School
London District Catholic School Board
Elementary1.5 km7.0 / 10
70% met the standard · 3 of 6 measures
Glendale High School
Thames Valley DSB
Secondary1.5 km5.7 / 10
57% met the standard · 2 of 6 measures
Westfield Public School
Thames Valley DSB
Elementary2.0 km6.8 / 10
68% met the standard
Millers SchoolElementary2.4 kmNot reported
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 618 people.

$56,000Median household income
40.3%Own their home
36.1%Detached houses
41.2Median age
8.9%Born outside Canada
11.1%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35320284 — the few blocks around this address, home to 618 people. It describes the area, not this property.

618Population
41.8Average age
2Household size
$66,000Average household income
$56,000Median household income
40%Own their home
60%Rent
0%Condominiums
9%Born outside Canada
11%University degree
$470,000Average home value
18%Low income
45%Not in the labour force
31%Never married
Under $5,0001%
$15,000 to $19,9993%
$20,000 to $24,9997%
$25,000 to $29,9996%
$30,000 to $34,9994%
$35,000 to $39,9996%
$40,000 to $44,9996%
$45,000 to $49,9994%
$50,000 to $59,9997%
$60,000 to $69,9997%
$70,000 to $79,9997%
$80,000 to $89,9996%
$90,000 to $99,9994%
$100,000 and over16%
$100,000 to $124,9997%
$125,000 to $149,9996%
$150,000 to $199,9993%

Percentages are of the 350 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.

$90,000 · minimum here is $22,500
$1,992.50per month
Borrowed before insurance$360,000
Total borrowed$360,000
Interest over 25 years at 4.5%$237,751

If you rented it out

-$2,319.75per month out of pocket
Rent$0.00
Everything it costs to hold$2,319.75
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 eXp Realty. Listing data provided by the Toronto Regional Real Estate Board.