45471 Sparta Line, Central Elgin, ON

$1,010,000
MLS#:X13168556
4 beds
2 baths
2000-2500 sqft
11.0 parking
Residential Freehold
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Property Highlights

Welcome to this remarkable 2-Storey detached located in the coveted neighborhood of Rural Central Elgin. Expertly crafted featuring premium brick and vinyl siding construction, this residence presents an exceptional opportunity offered at $1,010,000 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.

  • 4 Bedrooms and 2 Bathrooms
  • Generous living space spanning 2000-2500 sqft on a premium 223.09 x 213.25 ft lot
  • Features a full, unfinished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 11.0 total parking spaces available with a convenient attached configuration
  • Notable attributes: Auto Garage Door Remote, On Demand Water Heater, Water Softener
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

Country Gem located at 45471 Sparta Line on 1.09 Acres (as per MPAC), this 2-Storey Home has been totally renovated plus having an addition added with a single attached garage (2021)This exceptional country property with the perfect blend of rural tranquility and the convenient access to St. Thomas 20 minutes and to Aylmer 15 mins. The main level has an open concept to create a functional easy-flow layout between the kitchen with a huge island all with quartz countertops, dining room, oversized family room with a vaulted ceiling and plenty of windows making these areas very bright. Also there is access from the dining room through the front door to the wrap around covered front porch and side verandah. The main level also entails a good size mudroom/ main floor laundry and access to the attached garage and rear deck. Finally there is a bedroom or possible office and a 4 pc bathroom with a soaker tub. Moving to the second level is the generous-sized primary bedroom with access to a 3pc cheater ensuite with a shower. There are also two more good size bedrooms on this level. The lower level has an area to finish (partially done), which could be a rec-room area. Also on this level is the utility area and lots of storage. More highlights for this property is an uninsulated barn (approx 48.5 ft x 72.5 ft), 2-car detached garage (approx 24.0 ft x 32.0 ft) both with hydro, the owner will leave pool table and accessories in lower level if buyer wants it, furnace + C-Air (2019), drilled well (2025). This is the opportunity to own this wonderful family home!

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Key Features

Bedrooms
4
Bathrooms
2
Kitchens
1
Living Area
2000-2500 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
Listed Date5/25/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural Style2-Storey
ConstructionBrick, Vinyl Siding
BasementFull, Unfinished
Lot Size223.09 × 213.25 Feet
CountyElgin
Annual Tax$6,867.93
Legal DescriptionPART OF LOT 17, CONCESSION 3 YARMOUTH DESIGNATED AS PARTS 1 & 2, 11R-10391; S/T EASEMENT OVER PART 2, 11R-10391 AS IN YM36778 MUNICIPALITY OF CENTRAL ELGIN

Parking & Garage

Parking Spaces11.0
Garage Spaces10
Garage TypeAttached

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

Clear View, School Bus Route

Interior Features

Auto Garage Door Remote, On Demand Water Heater, Water Softener, Water Treatment

Security Features

Carbon Monoxide Detectors, Smoke Detector

Community Features

Location

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45471 Sparta Line, 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 45471 Sparta Line, Central Elgin, ON N5P 3S8

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

Market Speed
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Mortgage & Affordability Audit

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

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Interest Rate5.25%
Down Payment$202,000 (20.0%)
* Minimum Canadian down payment required for this price is $202,000.
Amortization Period25 Years
Estimated Monthly Payment$4,815Based on a loan of $808,000 over 25 years.
Purchase Price$1,010,000
Loan Amount$808,000
Provincial Land Transfer Tax:$16,675
Total Estimated Closing Taxes:$16,675

About Purchasing a Home in Central Elgin, ON

For a property listed at $1,010,000 in Central Elgin, the legal minimum down payment is $202,000 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 $16,675 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 $16,675.

Nearby Listings

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City & Neighborhood Guide

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

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$860,023

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

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Secondary Schools

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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.