38 Oak Street, Belleville, ON

$384,000
MLS#:X13586398
3 beds
1 baths
700-1100 sqft
2.0 parking
Residential Freehold
38 Oak Street, Belleville, ON K8N 3S8

Property Highlights

Welcome to this remarkable Bungalow detached located in the coveted neighborhood of Belleville Ward. Expertly crafted featuring premium vinyl siding construction, this residence presents an exceptional opportunity offered at $384,000 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 1 Bathroom
  • Generous living space spanning 700-1100 sqft on a premium 40 x 80 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: Water Heater
  • Efficient forced air heating via gas

Description

Attention first-time home buyers, investors, and developers-38 Oak Street is calling your name. This move-in ready 3-bedroom, 1-bath home offers approximately 1,000 sq ft of comfortable living space in a convenient location. Close to schools, the hospital, shopping, restaurants, Highway 401, and the VIA Rail station, everything you need is within easy reach. Updates completed in 2023 include the kitchen, flooring, plumbing, and electrical, giving you peace of mind and modern appeal. Enjoy a semi-fenced backyard-perfect for summer BBQs and relaxing evenings. This charming home is ready for its next chapter-make it yours.**Note some photos have been virtually staged using AI, home is completely vacant, and inclusions are washer, dryer, microwave, dishwasher**

Work with the SOUSA TEAM to unlock your . If we are unable to negotiate your purchase price below asking, we'll rebate you up to $10,000!*

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Property Summary

This detached home located at 38 Oak Street, Belleville is currently for sale and has been available on SousaSells for 19 days. This property is listed at $384,000 with an estimated mortgage of $1,278* per month. It has 3 beds, 1 bathroom, and is 700-1100 square feet. 38 Oak Street, Belleville is in the Belleville Ward 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 1 bathroom, this home offers ample space and comfort for growing families in Belleville Ward, Belleville.

Highly Recommended for Families
What We Love About This Home
  • 3 spacious bedroom layout offering versatile living space
  • 1 well-appointed bathroom
  • 700-1100 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 Belleville.

Target Buyer Match

Key Features

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

Additional Details

StatusActive
Listed Date7/18/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural StyleBungalow
ConstructionVinyl Siding
BasementUnfinished
Lot Size40 × 80 Feet
CountyHastings
Annual Tax$2,500
Legal DescriptionPT LT 44 PL 15 BELLEVILLE PT 1 21R11410; BELLEVILLE ; COUNTY OF HASTINGS

Parking & Garage

Parking Total2.0
Parking Space2
Garage TypeNone

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingNone

Features

Property Features

None listed

Interior Features

  • Water Heater

Security Features

None listed

Community Features

None listed

Frequently Asked Questions about 38 Oak Street, Belleville, ON

Q.What is the asking price for 38 Oak Street, Belleville, ON ?

The current listing price for 38 Oak Street, Belleville, ON in Belleville Ward, Belleville is $384,000.

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

This property features 3 bedrooms and 1 bathroom across approximately 700-1100 sqft.

Q.What property type and architectural style is 38 Oak Street, Belleville, ON ?

38 Oak Street, Belleville, ON is a Detached (Bungalow) featuring a Unfinished basement.

Q.What interior features are included in this home?

Interior highlights include: Water Heater.

Q.Is parking available at this property?

Yes, this property offers parking space for 2.0 vehicles (None).

Q.What heating and cooling systems are installed?

Heating is provided via Gas and cooling via None.

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Location

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38 Oak 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 38 Oak Street, Belleville, ON K8N 3S8

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 Rate4.00%
Down Payment$115,200 (30.0%)
* Minimum Canadian down payment required for this price is $19,200.
Amortization Period30 Years
Estimated Monthly Payment$1,278Based on a loan of $268,800 over 30 years.
Purchase Price$384,000
Loan Amount$268,800
Provincial Land Transfer Tax:$4,235
Total Estimated Closing Taxes:$4,235

About Purchasing a Home in Belleville, ON

For a property listed at $384,000 in Belleville, the legal minimum down payment is $19,200 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 $4,235 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 $4,235.

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Belleville Ward, Belleville 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$792,380

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 Belleville Ward, Belleville

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
Queen Elizabeth
Public135 MacDonald Avenue, Belleville, Ontario, K8N 3Y4
3.7

Secondary Schools

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

Belleville Ward, Belleville 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.