98 Cedar Street, Belleville, ON

$489,900
MLS#:X13481034
3 beds
2 baths
1100-1500 sqft
3.0 parking
Residential Freehold
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Property Highlights

Welcome to this remarkable 2-Storey detached located in the coveted neighborhood of Belleville Ward. Expertly crafted featuring premium brick and aluminum siding construction, this residence presents an exceptional opportunity offered at $489,900 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 1100-1500 sqft on a premium 40 x 88 ft lot
  • Features a full, unfinished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 3.0 total parking spaces available
  • Notable attributes: Carpet Free, Storage
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

Welcome to 98 Cedar Street. Bursting with charm, this inviting home showcases original hardwood floors and stunning wood trim throughout, preserving the craftsmanship and warmth that make older homes so special. Inside, you'll find three spacious bedrooms, offering plenty of room for a growing family, guests, or a home office. The well-appointed four-piece bathroom is conveniently located on the upper level alongside the bedrooms, creating a functional family-friendly layout. Thoughtful storage solutions can be found throughout the home, while the backyard shed provides additional space for seasonal items, tools, or outdoor equipment. Outside, the fully fenced yard offers a safe and private space for children and pets to play, entertain friends, or simply relax.Ideally situated close to shopping, schools, healthcare services, and everyday amenities, with quick access to Highway 401, this location makes commuting and daily errands effortless. Filled with warmth, character, and an abundance of charm, 98 Cedar Street is the kind of home that captures your heart the moment you walk through the door.

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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 Date6/23/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural Style2-Storey
ConstructionBrick, Aluminum Siding
BasementFull, Unfinished
Lot Size40 × 88 Feet
CountyHastings
Annual Tax$3,187.46
Legal DescriptionPT LT 6 W/S CEDAR ST PL COLEMAN BLOCK THURLOW AS IN QR557470 CITY OF BELLEVILLE

Parking & Garage

Parking Spaces3.0
Garage Spaces3
Garage TypeNone

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

Hospital, Library, Marina, Park, Place Of Worship, School

Interior Features

Carpet Free, Storage

Security Features

Community Features

Location

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98 Cedar 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 98 Cedar Street, Belleville, ON K8P 3M4

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$24,495 (5.0%)
* Minimum Canadian down payment required for this price is $24,495.
Amortization Period25 Years
Estimated Monthly Payment$2,773Based on a loan of $465,405 over 25 years.
Purchase Price$489,900
Loan Amount$465,405
Provincial Land Transfer Tax:$6,273
Total Estimated Closing Taxes:$6,273

About Purchasing a Home in Belleville, ON

For a property listed at $489,900 in Belleville, the legal minimum down payment is $24,495 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 $6,273 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 $6,273.

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$632,270

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.