494 Charlotte Street, Peterborough, ON

$407,500
MLS#:X13143712
3 beds
2 baths
1100-1500 sqft
2.0 parking
Residential Freehold
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Description

Property Highlights

Welcome to this remarkable ["2-Storey"] semi-detached located in the coveted neighborhood of Town Ward 3. Expertly crafted featuring premium brick construction, this residence presents an exceptional opportunity offered at $407,500 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 24 x 84 ft lot
  • Features a ["unfinished"] basement, adding superb versatility for recreation, a home gym, or extra storage
  • 2.0 total parking spaces available
  • Notable attributes: Carpet Free
  • equipped with ["central air"] central cooling and highly efficient forced air heating via gas

Character, convenience, and a list of upgrades that will make any buyer sleep easy at night. Tucked into one of Peterborough's most walkable and sought-after downtown neighbourhoods, this solid 3-bedroom, 1.5-bathroom semi-detached home delivers the kind of quality and peace of mind that's increasingly hard to find. The welcoming perennial front garden sets the tone before you even step inside, where a classic layout unfolds - bright living room at the front, formal dining room at the rear opening directly onto a private back deck, perfect for morning coffee or evening entertaining. The bones are excellent, and the major systems have been done: 40-year shingle roof (2018), eaves, fascia and soffit (2018), furnace and A/C (2015), and R-40 insulation (2018). This is a home you can move into with complete confidence - no surprises. Upstairs, a generous primary bedroom is complemented by two additional bedrooms and a full bathroom. Off-street parking rounds out the package. Step outside and you're minutes from downtown Peterborough's restaurants, cafés, shops, the river, and everything the city has to offer - without the noise or congestion. Walk, cycle, or simply park the car and forget about it. For first-time buyers, investors, or anyone seeking a character-filled downtown home with the hard work already done - this one is worth a serious look.

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Key Features

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

Additional Details

StatusActive
Listed Date5/19/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeSemi-Detached
ConstructionBrick
Lot Size24 × 84 Feet
CountyPeterborough
Annual Tax$3,414
Legal DescriptionPT LT 63 PL 73 PETERBOROUGH AS IN R594435 ; PETERBOROUGH

Parking & Garage

Parking Spaces2.0
Garage Spaces2
Garage TypeNone

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
Cooling["Central Air"]

Features

Property Features

Community Features

Location

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494 Charlotte Street, Peterborough, ON

City & Neighborhood Guide

Comprehensive neighborhood overview, demographics, and school rankings for Town Ward 3, Peterborough.

Verified Local Data
Population128,624
Median Age45.2 Yrs
Ownership70% Owners
Avg Area List Price$501,805

People & Families

Age Distribution

Household Composition

One-person households
29%
Families with children
36%
Couples without children
32%
Other households
3%

Top Ethnic Origins

English33%
Irish30%
Scottish25%
Canadian17%

Local Schools Guide

Elementary Schools

Queen Mary
Public1445 Monaghan Road, Peterborough, Ontario, K9J 5M8
4.0
Prince of Wales
Public1211 Monaghan Road, Peterborough, Ontario, K9J 5L4
4.1
Immaculate Conception
Public76 Robinson Street, Peterborough, Ontario, K9H 1E8
5.9
Highland Heights
Public430 Highland Road, Peterborough, Ontario, K9H 5J7
4.6
St Anne
Public240 Bellevue Street, Peterborough, Ontario, K9H 5E5
6.0

Secondary Schools

St. Peter’s
CatholicPeterborough, Ontario
6.7
Adam Scott
Public175 Langton Street, Peterborough, Ontario, K9H 6K3
5.3

Homes & Housing

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied70%
Rented30%

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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 494 Charlotte Street, Peterborough, ON K9J 2W3

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.

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Financial Audit

Estimated Costs

Loan Amount$326,000
Monthly Mortgage$1,894
Property Tax (Est.)$285
Utilities & Maint.$350
Total Monthly Cost$2,529

Nearby School Rankings

No schools found within 3 km of this property.

Within 2km radiusFraser Institute Ratings

Nearby Listings

Distance:

No current listings found in Peterborough.

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.