345 Smith Street, Central Elgin, ON

$499,900
MLS#:X13646834
3 beds
1 baths
1100-1500 sqft
2.0 parking
Residential Freehold
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Property Highlights

Welcome to this remarkable Bungalow detached located in the coveted neighborhood of Port Stanley. Expertly crafted featuring premium vinyl siding 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 1 Bathroom
  • Generous living space spanning 1100-1500 sqft on a premium 117 x 66 ft lot
  • Features a full, unfinished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 2.0 total parking spaces available
  • Notable attributes: Sump Pump
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

Discover your own private hideaway nestled on a quiet, dead-end street. This charming 3 bedroom home offers a spacious family room with patio doors to access to a private oversized rear deck, perfect for entertaining or quiet morning coffee surrounded by nature. Come with mechanical upgrade including furnace, A/C, metal roof and owned hot water tank. The basement has been professionally water proofed offering dry storage space. Located just a short leisurely walk to the beach, local Theatre and downtown dining. This home is vacant and move-in ready. Move in now and enjoy Port Stanley's lifestyle.

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 345 Smith Street, Central Elgin is currently for sale and has been available on SousaSells for 5 days. This property is listed at $499,900 with an estimated mortgage of $1,664* per month. It has 3 beds, 1 bathroom, and is 1100-1500 square feet. 345 Smith Street, Central Elgin is in the Port Stanley neighborhood.

Work with the SOUSA TEAM to unlock your .

* 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 Port Stanley, Central Elgin.

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

Target Buyer Match

Key Features

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

Additional Details

StatusActive
Listed Date8/5/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural StyleBungalow
ConstructionVinyl Siding
BasementFull, Unfinished
Lot Size117 × 66 Feet
CountyElgin
Annual Tax$3,678
Legal DescriptionPT LT19 W/S SYDENHAM ST PL 117 PORT STANLEY AS IN E379700; CENTRAL ELGIN

Parking & Garage

Parking Total2.0
Parking Space2
Garage TypeNone

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

  • Beach
  • Golf
  • Library
  • Marina
  • Park
  • School

Interior Features

  • Sump Pump

Security Features

  • Carbon Monoxide Detectors
  • Smoke Detector

Community Features

None listed

Frequently Asked Questions about 345 Smith Street, Central Elgin, ON

Q.What is the asking price for 345 Smith Street, Central Elgin, ON ?

The current listing price for 345 Smith Street, Central Elgin, ON in Port Stanley, Central Elgin is $499,900.

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

This property features 3 bedrooms and 1 bathroom across approximately 1100-1500 sqft.

Q.What property type and architectural style is 345 Smith Street, Central Elgin, ON ?

345 Smith Street, Central Elgin, ON is a Detached (Bungalow) featuring a Full, Unfinished basement.

Q.What key property features does 345 Smith Street, Central Elgin, ON offer?

Key property features include: Beach, Golf, Library, Marina, Park, School.

Q.What interior features are included in this home?

Interior highlights include: Sump Pump.

Q.What security features are installed at 345 Smith Street, Central Elgin, ON ?

Security features include: Carbon Monoxide Detectors, Smoke Detector.

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 Central Air.

Virtual Tour & 3D Walkthrough

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Location

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345 Smith Street, Central Elgin, 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 345 Smith Street, Central Elgin, ON N5L 1C6

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 Central Elgin.

Configure Loan Settings

Interest Rate4.00%
Down Payment$149,970 (30.0%)
* Minimum Canadian down payment required for this price is $24,995.
Amortization Period30 Years
Estimated Monthly Payment$1,664Based on a loan of $349,930 over 30 years.
Purchase Price$499,900
Loan Amount$349,930
Provincial Land Transfer Tax:$6,473
Total Estimated Closing Taxes:$6,473

About Purchasing a Home in Central Elgin, ON

For a property listed at $499,900 in Central Elgin, 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 Central Elgin (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $6,473.

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Port Stanley, Central Elgin Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for Port Stanley, Central Elgin.

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$979,501

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 Port Stanley, Central Elgin

Elementary Schools

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Secondary Schools

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Port Stanley, Central Elgin 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.