495 George Street, Central Elgin, ON

$649,900
MLS#:X12558304
4 beds
2 baths
700-1100 sqft
6.0 parking
Residential Freehold
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Property no longer active

This property was sold on December 5, 2025. This listing is for reference purposes only. to view the sold price.

Property Highlights

Welcome to this remarkable Bungalow-Raised detached located in the coveted neighborhood of Rural Central Elgin. Expertly crafted featuring premium wood construction, this residence presents an exceptional opportunity offered at $649,900 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.

  • 4 Bedrooms and 2 Bathrooms
  • Generous living space spanning 700-1100 sqft on a premium 75 x 417.57 ft lot
  • Features a full, finished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 6.0 total parking spaces available
  • Notable attributes: Primary Bedroom - Main Floor, Water Heater Owned
  • Efficient other heating via gas

Description

Experience the best of beach-town living in Port Stanley in this quiet, desirable neighbourhood just a 10-minute walk to Erie Rest Beach. Enjoy a vibrant community with beautiful beaches, local shops, restaurants, a theatre, marina, arena, and Kettle Creek Golf & Country Club. This well-maintained 4-bed, 2-bath raised bungalow sits on an impressive 0.7-acre lot with a private, treed ravine backyard stretching 417 ft deep-offering seasonal lake views and peaceful nature right outside your door. The exterior features a covered porch, landscaped grounds, and a large laneway. Built by Royal Homes, the interior welcomes you with a tiled foyer and closet, leading into an open-concept layout. The partially vaulted, sunken living room showcases wood beams, patio doors, a gas fireplace and scenic views. The kitchen includes appliances and convenient side-door access. The dining room offers natural light and front and backyard views. The primary bedroom overlooks the stunning backyard and features laminate flooring. A second bedroom with double closets and a full bath with tub/shower complete the main level. The lower level offers a spacious family room, two additional bedrooms, an updated bathroom with tile, floating vanity and shower, plus a laundry room with included washer and dryer. There are many closets and spaces for storage throughout the home and gas boiler heating. This property blends privacy, space, and coastal charm-perfect for year-round living or a relaxing getaway.

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Property Summary

This detached home located at 495 George Street, Central Elgin is currently for sale and has been available on SousaSells for 242 days. This property is listed at $649,900 with an estimated mortgage of $2,163* per month. It has 4 beds, 2 bathrooms, and is 700-1100 square feet. 495 George Street, Central Elgin is in the Rural Central Elgin neighborhood.

* Estimated mortgage assumes a 30% down payment, 4.00% interest rate, and 30-year amortization.

Key Features

Bedrooms
4
Bathrooms
2
Kitchens
1
Living Area
700-1100 sqft
Property Type
Residential Freehold

Additional Details

StatusSold
Sold DateDecember 5, 2025
Sold price information is available to members only
Listed Date11/18/2025
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural StyleBungalow-Raised
ConstructionWood
BasementFull, Finished
Lot Size75 × 417.57 Feet
CountyElgin
Annual Tax$5,262.94
Legal DescriptionPt Lt 14 Con S of Lake Rd Southwold Pt 2 11R2399;S/T E277117; Central Elgin

Parking & Garage

Parking Total6.0
Parking Space6
Garage TypeNone

Heating & Cooling

Heat SourceGas
Heat TypeOther
CoolingNone

Features

Property Features

Beach, Marina, Ravine, Rec./Commun.Centre, School, School Bus Route

Interior Features

Primary Bedroom - Main Floor, Water Heater Owned

Security Features

Community Features

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Location

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495 George 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 495 George Street, Central Elgin, ON N5L 1H1

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 Rate4.00%
Down Payment$194,970 (30.0%)
* Minimum Canadian down payment required for this price is $39,990.
Amortization Period30 Years
Estimated Monthly Payment$2,163Based on a loan of $454,930 over 30 years.
Purchase Price$649,900
Loan Amount$454,930
Provincial Land Transfer Tax:$9,473
Total Estimated Closing Taxes:$9,473

About Purchasing a Home in Central Elgin, ON

For a property listed at $649,900 in Central Elgin, the legal minimum down payment is $39,990 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 $9,473 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 $9,473.

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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$784,789

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.