198 Moira Street, Belleville, ON

$499,900
MLS#:X13047440
3 beds
2 baths
700-1100 sqft
3.0 parking
Residential Freehold
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Property Highlights

Welcome to this remarkable Bungalow detached located in the coveted neighborhood of Belleville Ward. Expertly crafted featuring premium shingle construction, this residence presents an exceptional opportunity offered at $499,900 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 700-1100 sqft on a premium 40.59 x 63.19 ft lot
  • Features a full, finished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 3.0 total parking spaces available with a convenient detached configuration
  • Notable attributes: Air Exchanger, Auto Garage Door Remote, Carpet Free
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

Welcome to 198 Moira Street West, a clean and modern bungalow built in 2016 in a central Belleville location. The main floor offers bright, open-concept layout featuring three bedrooms, and two full 4-piece bathrooms, and convenient main-floor laundry. The kitchen has been updated with newly installed dishwasher and microwave/range hood. For year-round comfort, the home now features central air conditioning. The finished basement adds significant living space with a large recreation room centered around a gas fireplace, a third bedroom, and a separate den area that could easily function as a fourth bedroom. Recent interior updates include fresh paint throughout, new flooring in the rec room, and new carpet on the stairs. A major highlight of this property is the 16' x 24' detached garage. It has been recently boarded and insulated, and it's equipped with a 60-amp electrical service, and heater, making it an ideal year-round workshop or storage space. Outside, you can enjoy the covered front porch or the partially fenced backyard with tis mature trees. Situated on a transit route and just minutes from local schools and shopping, this home is a practical and updated choice for families or downsizers alike.

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Key Features

Bedrooms
3
Bathrooms
2
Kitchens
1
Living Area
700-1100 sqft
Property Type
Residential Freehold

Additional Details

StatusSold
Sold DateMay 20, 2026
Sold price information is available to members only
Listed Date4/27/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural StyleBungalow
ConstructionShingle
BasementFull, Finished
Lot Size40.59 × 63.19 Feet
CountyHastings
Annual Tax$4,466.69
Legal DescriptionPT TL 7 N/S MOIRA ST PL 187 PT 2 21R3693; THURLOW; BELLEVILLE; COUNTY OF HASTINGS

Parking & Garage

Parking Spaces3.0
Garage Spaces2
Garage TypeDetached

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

Level, Place Of Worship, Public Transit, School, School Bus Route

Interior Features

Air Exchanger, Auto Garage Door Remote, Carpet Free, Floor Drain, Primary Bedroom - Main Floor, Sump Pump, Water Heater

Security Features

Carbon Monoxide Detectors, Smoke Detector

Community Features

Location

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198 Moira Street, Belleville, ON
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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 198 Moira Street W, Belleville, ON K8P 1T5

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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Mortgage & Affordability Audit

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

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Interest Rate5.25%
Down Payment$24,995 (5.0%)
* Minimum Canadian down payment required for this price is $24,995.
Amortization Period25 Years
Estimated Monthly Payment$2,830Based on a loan of $474,905 over 25 years.
Purchase Price$499,900
Loan Amount$474,905
Provincial Land Transfer Tax:$6,473
Total Estimated Closing Taxes:$6,473

About Purchasing a Home in Belleville, ON

For a property listed at $499,900 in Belleville, the legal minimum down payment is $24,995 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 $6,473 for this transaction. As this listing is in Belleville (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $6,473.

Nearby Listings

Distance:

No current listings found in Belleville.

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City & Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for Belleville Ward, Belleville.

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$631,004

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%

Local Schools Guide

Elementary Schools

St Michael
Public273 Church Street, Belleville, Ontario, K8N 3C7
5.1
Queen Victoria
PublicBelleville, Ontario
4.7
Holy Rosary
Public10 Prince of Wales Drive, Belleville, Ontario, K8P 2T4
4.5
Prince of Wales
Public37 Prince of Wales Drive, Belleville, Ontario, K8P 2T6
2.6
Prince Charles
Public75 Ritchie Avenue, Belleville, Ontario, K8P 3W2
4.1

Secondary Schools

Nicholson
Public301 Church Street, Belleville, Ontario, K8N 3C7
6.6
St. Theresa
Catholic135 Adam Street, Belleville, Ontario, K8N 5S1
6.7
Centennial
Public160 Palmer Road, Belleville, Ontario, K8P 4E1
5.4
Moira
Public275 Farley Avenue, Belleville, Ontario, K8N 4M2
4.2

Homes & Housing

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.