37 Spencer Street, Bracebridge, ON

$649,000
MLS#:X13462856
3 beds
2 baths
1100-1500 sqft
4.0 parking
Residential Freehold
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Added:Jun 18, 2026(76 days ago)
Updated:Jun 19, 2026(75 days ago)
Last Checked:20 minutes ago

Property Highlights

Welcome to this remarkable Bungalow detached located in the coveted neighborhood of Monck (Bracebridge). Expertly crafted featuring premium vinyl siding construction, this residence presents an exceptional opportunity offered at $649,000 to acquire a beautiful home in a highly sought-after setting. Designed for both comfortable daily living and elegant entertaining, the layout maximizes natural light, functional flow, and lifestyle utility.

  • 3 Bedrooms and 2 Bathrooms
  • Generous living space spanning 1100-1500 sqft on a premium 99 x 165 ft lot
  • Features a full, unfinished, walk-up basement, adding superb versatility for recreation, a home gym, or extra storage
  • 4.0 total parking spaces available
  • Notable attributes: ERV/HRV, Primary Bedroom - Main Floor, Sump Pump
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

Welcome to your ultimate Muskoka haven! Perfectly located in the heart of charming Bracebridge, this beautifully updated 3-bedroom, 2-bathroom home offers the perfect blend of modern sophistication, natural beauty, and thoughtful design for anyone looking to retire in comfort or enter the real estate market with a low-maintenance, easy-to-maintain home. Inside, a sun-drenched, open-concept layout features a beautiful refresh, where large windows flood the living spaces with beautiful natural light to highlight the seamless flow between the kitchen, dining, and living areas. The spacious primary bedroom serves as a private oasis with its own ensuite, complete with a soaker tub and a separate walk-in shower, while main floor laundry hook-up adds ultimate everyday convenience. Situated on a desirable level lot, with a generous and private backyard, the exterior is designed for maximum enjoyment and minimal effort, showcasing a picturesque perennial rock garden and a Generac generator for absolute peace of mind. A standout attribute of this property is its exceptional, but discreet, built-in accessibility features, including an exterior ramp, an exterior lift, and a remote-operated door, making it a rare find for anyone looking to effortlessly age in place. Located just minutes from downtown Bracebridge's boutique shops, vibrant dining, and scenic waterfalls, this property beautifully blends the peace of Muskoka living with urban conveniences, offering a rare opportunity to start living the Muskoka dream today.

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Property Summary

This detached home located at 37 Spencer Street, Bracebridge is currently for sale and has been available on zoozaa for 76 days. This property is listed at $649,000 with an estimated mortgage of $2,160* per month. It has 3 beds, 2 bathrooms, and is 1100-1500 square feet. 37 Spencer Street, Bracebridge is in the Monck (Bracebridge) neighborhood.

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* Estimated mortgage assumes a 30% down payment, 4.00% interest rate, and 30-year amortization.
Is this a Good Home for Families?

Yes! Featuring 3 bedrooms and 2 bathrooms, this home offers ample space and comfort for growing families in Monck (Bracebridge), Bracebridge.

Highly Recommended for Families
What We Love About This Home
  • •3 spacious bedroom layout offering versatile living space
  • •2 well-appointed bathrooms
  • •1100-1500 sqft of generous functional square footage
Standout Features & Layout
Who Should Buy This Home?

Families, couples, or downsizers looking for a well-proportioned home in Bracebridge.

Target Buyer Match

Key Features

Bedrooms
3
Bathrooms
2
Kitchens
1
Living Area
1100-1500 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
AddedJun 18, 2026 (76 days ago)
UpdatedJun 19, 2026 (75 days ago)
Last Checked20 minutes ago
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural StyleBungalow
ConstructionVinyl Siding
BasementFull, Unfinished, Walk-Up
Lot Size99 × 165 Feet
CountyMuskoka
Annual Tax$4,029.16
Legal DescriptionLT 34 PL 2 MONCK; BRACEBRIDGE ; THE DISTRICT MUNICIPALITY OF MUSKOKA

Parking & Garage

Parking Total4.0
Parking Space4
Garage TypeNone

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

  • Hospital
  • Park

Interior Features

  • ERV/HRV
  • Primary Bedroom - Main Floor
  • Sump Pump
  • Wheelchair Access

Security Features

None listed

Community Features

None listed

Frequently Asked Questions about 37 Spencer Street, Bracebridge, ON

Q.What is the asking price for 37 Spencer Street, Bracebridge, ON ?

The current listing price for 37 Spencer Street, Bracebridge, ON in Monck (Bracebridge), Bracebridge is $649,000.

Q.How many bedrooms and bathrooms does this property have?

This property features 3 bedrooms and 2 bathrooms across approximately 1100-1500 sqft.

Q.What property type and architectural style is 37 Spencer Street, Bracebridge, ON ?

37 Spencer Street, Bracebridge, ON is a Detached (Bungalow) featuring a Full, Unfinished, Walk-Up basement.

Q.What key property features does 37 Spencer Street, Bracebridge, ON offer?

Key property features include: Hospital, Park.

Q.What interior features are included in this home?

Interior highlights include: ERV/HRV, Primary Bedroom - Main Floor, Sump Pump, Wheelchair Access.

Q.Is parking available at this property?

Yes, this property offers parking space for 4.0 vehicles (None).

Q.What heating and cooling systems are installed?

Heating is provided via Gas and cooling via Central Air.

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Location

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37 Spencer Street, Bracebridge, ON

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Neighborhood Safety Index

Neighborhood Safety & Crime Analytics

Monck (Bracebridge), Bracebridge

SAFETY RATING9.4 / 10
Low Incident Area
Total Annual Incidents35 incidents / yr
Average Per Month2.9 incidents / mo
Population BenchmarkArea Average residents
Personal Safety
Very Low

8 assaults (30.0/100k)

Property Security
Very Low

8 B&E (30.0/100k)

Auto Theft Risk
Low Risk

10 thefts (35.0/100k)

1-Year Trend
â–¼ 6%

Improving vs previous year

How Per-Capita Rate (Per 100,000 Residents) Is Calculated:

Formula: (Annual Occurrences / Population) × 100,000. This standard policing calculation normalizes incident frequencies across different population sizes, allowing accurate safety comparisons between quiet residential pockets and dense urban centres.

Source: Official Police Services ArcGIS Open Data
Halton & GTHA Police Network

Disclaimer: Crime and safety analytics are compiled from official municipal and regional police open data records for general consumer informational and demographic research purposes only. Data is deemed reliable but is not guaranteed and does not constitute a legal representation or guarantee of future safety.

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Property History

No historical data available for this property.

This could be the first listing for this address.

Pricing & Value Insights

Data-driven valuation for 37 Spencer Street, Bracebridge, ON P1L 1E1

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

Market Speed
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Properties in this area are selling at a steady pace.

Market Trend
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Mortgage & Affordability Audit

Calculate your monthly payment, minimum downpayment, and land transfer taxes for this home in Bracebridge.

Configure Loan Settings

Interest Rate4.00%
Down Payment$194,700 (30.0%)
* Minimum Canadian down payment required for this price is $39,900.
Amortization Period30 Years
Estimated Monthly Payment$2,160Based on a loan of $454,300 over 30 years.
Purchase Price$649,000
Loan Amount$454,300
Provincial Land Transfer Tax:$9,455
Total Estimated Closing Taxes:$9,455

About Purchasing a Home in Bracebridge, ON

For a property listed at $649,000 in Bracebridge, the legal minimum down payment is $39,900 under current Canadian banking regulations. This calculation applies a 5% requirement on the first $500,000, 10% on the next $499,999, and a flat 20% on any amount exceeding $1,000,000.

Additionally, buyers in Ontario must budget for the Provincial Land Transfer Tax, which is estimated at $9,455 for this transaction. As this listing is in Bracebridge (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $9,455.

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Monck (Bracebridge), Bracebridge Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for Monck (Bracebridge), Bracebridge.

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$830,537

People & Families

Age Distribution

Household Composition

One-person households
25%
Families with children
50%
Couples without children
24%
Other households
0%

Top Ethnic Origins

Chinese11%
English9%
Indian9%
Irish8%

Best Schools in Monck (Bracebridge), Bracebridge

Elementary Schools

Monck
Public250 Wellington Street North, Bracebridge, Ontario, P1L 1C1
6.6
Bracebridge
Public100 Clearbrook Trail, Bracebridge, Ontario, P1L 0A3
5.6
Macaulay
Public1270 Cedar Lane, Bracebridge, Ontario, P1L 1W9
8.0

Secondary Schools

Bracebridge and Muskoka Lakes
Public100 Clearbrook Trail, Bracebridge, Ontario, P1L 0A3
6.7
St. Dominic
Catholic955 Cedar Lane, Bracebridge, Ontario, P1L 0A1
5.4

Monck (Bracebridge), Bracebridge Demographic Home information

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied65%
Rented35%

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Notice: Market Insights are generated by analyzing real-time data and should be used for informational purposes only. Consult with a licensed professional for exact valuations.

Disclaimer: AI Insights are generated by an automated system and should be used for informational purposes only. While we strive for accuracy using current market data and deep-learning models, these assessments do not constitute professional real estate, legal, or financial advice. All property values, predictions, and scores are estimates. We strongly recommend verifying all property details and conducting independent due diligence with a licensed professional before making any purchase decisions.

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