181 Thames Street, Ingersoll, ON

$494,900
MLS#:X12302056
3 beds
2 baths
700-1100 sqft
4.0 parking
Residential Freehold
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Property no longer active

This property was sold on October 7, 2025. This listing is for reference purposes only. to view the sold price.

Property Highlights

Welcome to this remarkable 2-Storey semi-detached located in the coveted neighborhood of Ingersoll - North. Expertly crafted featuring premium brick front and vinyl siding construction, this residence presents an exceptional opportunity offered at $494,900 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 700-1100 sqft on a premium 29.4 x 165.57 ft lot
  • Features a full, partially finished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 4.0 total parking spaces available
  • Notable attributes: Carpet Free, Sump Pump, Water Meter
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

This 3 bedroom, 2 bath semi-detached is in move-in condition. It is spotless & very well appointed. The layout is functional & roomy. There is a dedicated entrance complete with a coat closet - a perfect place to greet your guests. The eat-in kitchen stretches across the back of the home, with patio doors leading to a large deck complete with a gazebo. The private backyard is fully fenced and landscaped. An added bonus is it is hot tub ready - the electrical is in place. The sunlit living room with hardwood flooring stretches across the front of the home. Upstairs you will find all new flooring throughout & an updated bathroom. California shutters throughout. The lower level has a finished family room - perfect spot to cozy up & watch your favourite movies. The laundry/mechanical room allows space for organized storage. The kitchen & laundry appliances are included along with the water softener & reverse osmosis system. The way this house is situated allows for an element of privacy that is rare, especially steps away from downtown. You can enjoy an urban lifestyle, walking to the local shops & restaurants !

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Property Summary

This detached home located at 181 Thames Street, Ingersoll is currently for sale and has been available on SousaSells for 359 days. This property is listed at $494,900 with an estimated mortgage of $1,647* per month. It has 3 beds, 2 bathrooms, and is 700-1100 square feet. 181 Thames Street, Ingersoll is in the Ingersoll - North neighborhood.

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

Key Features

Bedrooms
3
Bathrooms
2
Kitchens
1
Living Area
700-1100 sqft
Property Type
Residential Freehold

Additional Details

StatusSold
Sold DateOctober 7, 2025
Sold price information is available to members only
Listed Date7/23/2025
Transaction TypeFor Sale

Property Details

Property Sub-TypeSemi-Detached
Architectural Style2-Storey
ConstructionBrick Front, Vinyl Siding
BasementFull, Partially Finished
Lot Size29.4 × 165.57 Feet
CountyOxford
Annual Tax$2,914.52
Legal DescriptionPt Lt 14A Blk 87 Pl 279 Pt 1, 41R5319; Ingersoll

Parking & Garage

Parking Spaces4.0
Garage Spaces4
Garage TypeNone

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

Arts Centre, Fenced Yard, Golf, Hospital, Library, Park

Interior Features

Carpet Free, Sump Pump, Water Meter, Water Softener, Water Treatment

Security Features

Carbon Monoxide Detectors, Smoke Detector

Community Features

Location

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181 Thames Street, Ingersoll, 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 181 Thames Street N, Ingersoll, ON N5C 3E1

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 Ingersoll.

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Interest Rate4.00%
Down Payment$148,470 (30.0%)
* Minimum Canadian down payment required for this price is $24,745.
Amortization Period30 Years
Estimated Monthly Payment$1,647Based on a loan of $346,430 over 30 years.
Purchase Price$494,900
Loan Amount$346,430
Provincial Land Transfer Tax:$6,373
Total Estimated Closing Taxes:$6,373

About Purchasing a Home in Ingersoll, ON

For a property listed at $494,900 in Ingersoll, the legal minimum down payment is $24,745 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 $6,373 for this transaction. As this listing is in Ingersoll (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $6,373.

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City & Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for Ingersoll - North, Ingersoll.

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$579,732

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

Laurie Hawkins
Public156 Innes Street, Ingersoll, Ontario, N5C 2R8
3.9
St Jude's
Public30 Caffyn Street, Ingersoll, Ontario, N5C 3T9
6.0

Secondary Schools

Ingersoll District
Public37 Alma Street, Ingersoll, Ontario, N5C 1N1
5.3

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.