540 Charlotte Street, Peterborough, ON

$585,000
MLS#:X13787104
3 beds
2 baths
1500-2000 sqft
4.0 parking
Residential Freehold
Residential Freehold for sale - 3 Bed, 2 Bath Home at 540 Charlotte Street Peterborough ON listed at $585,000 (MLS# X13787104) - Main View
For Sale
Added:Sep 15, 2026(1 day ago)
Updated:Sep 15, 2026(1 day ago)
Last Checked:14 minutes ago

Property Highlights

Welcome to this remarkable 2 1/2 Storey detached located in the coveted neighborhood of Town. Expertly crafted featuring premium brick and vinyl siding construction, this residence presents an exceptional opportunity offered at $585,000 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.

  • 3 Bedrooms and 2 Bathrooms with 2 functional kitchens
  • Generous living space spanning 1500-2000 sqft on a premium 49 x 97 ft lot
  • Features a unfinished, walk-up basement, adding superb versatility for recreation, a home gym, or extra storage
  • 4.0 total parking spaces available
  • Notable attributes: Carpet Free, Storage Area Lockers
  • Efficient forced air heating via gas

Description

Centrally located, well maintained Duplex near downtown core and PRHC. Live in one and rent out the other unit or rent out both. This lovely home is located in the Avenues area and a short walk or transit ride to downtown restaurants and hospital and clinics. It has been nicely upgraded over the past few years and is in excellent condition while still maintaining the charm and character of a century home. The main floor unit is occupied by excellent tentants and features 2 bedrooms, spacious eat-in kitchen with stainless steel appliances, large living room, 4 PC bath and a delightful sunroom. Upper unit is vacant and recently refreshed and features a large bedroom, living room, kitchen, 4 PC bath and a den leading to a bright sunroom. Units have private entry to laundry and storage in the lower level. Yard is fully fenced and private parking at rear for 4 cars (access off of Burrows or St. Joseph). Shingles and eavestrough replaced 2017. 24 hours notice required for showings for main unit.

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Property Summary

This detached home located at 540 Charlotte Street, Peterborough is currently for sale and has been available on SousaSells for 1 day. This property is listed at $585,000 with an estimated mortgage of $1,947* per month. It has 3 beds, 2 bathrooms, and is 1500-2000 square feet. 540 Charlotte Street, Peterborough is in the Town neighborhood.

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* 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 2 bathrooms, this home offers ample space and comfort for growing families in Town, Peterborough.

Highly Recommended for Families
What We Love About This Home
  • •3 spacious bedroom layout offering versatile living space
  • •2 well-appointed bathrooms
  • •1500-2000 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 Peterborough.

Target Buyer Match

Key Features

Bedrooms
3
Bathrooms
2
Kitchens
2
Living Area
1500-2000 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
Price$585,000
AddedSep 15, 2026 (1 day ago)
UpdatedSep 15, 2026 (1 day ago)
Last Checked14 minutes ago
Transaction TypeFor Sale
List Office NameStoneguide Realty Limited

Property Details

Property Sub-TypeDetached
Architectural Style2 1/2 Storey
ConstructionBrick, Vinyl Siding
BasementUnfinished, Walk-Up
Lot Size49 Ă— 97 Feet
CountyPeterborough
Annual Tax$5,196
Rental ItemsHot water tank, furnace.
Legal DescriptionLT 53 PL 73 PETERBOROUGH ; PETERBOROUGH

Parking & Garage

Parking Total4.0
Parking Space4
Garage TypeNone

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingNone

Features

Property Features

  • Fenced Yard
  • Hospital
  • Library
  • Marina
  • Public Transit
  • Place Of Worship

Interior Features

  • Carpet Free
  • Storage Area Lockers

Security Features

None listed

Community Features

None listed

Property History

No historical data available for this property.

This could be the first listing for this address.

Peterborough Home Buyer Advisory & Market HubActive MLS® Listing in Peterborough, Ontario

Looking to Buy a Home in Peterborough?

If you are looking for a house in Peterborough or researching Peterborough real estate for sale, this 3-bedroom detached at 540 Charlotte Street, Peterborough, ON offers an exceptional opportunity to buy a home in Peterborough, Ontario. Whether you are a first-time Peterborough home buyer or comparing active Peterborough MLS® homes for sale, working with a dedicated Peterborough buyer agent ensures you receive priority showing access, unrepresented buyer protection, and aggressive price negotiation.

Peterborough Homes for Sale & MLS® Listings

Browse all verified Peterborough real estate listings, compare active Peterborough houses for sale, and view brand new MLS® inventory before it hits the open market.

Dedicated Peterborough Buyer Agent

Under Ontario REBBA/TRESA regulations, the listing brokerage is legally bound to the seller's financial interests. Work with an experienced Peterborough realtor & real estate broker who represents you 100%—at zero cost to you as a buyer.

Peterborough Buyer Budget & Costs

Estimated mortgage: $1,947*/month*. Estimated Ontario Land Transfer Tax: $8,175. First-time Peterborough home buyers may qualify for up to $8,475 in rebates.

Frequently Asked Questions: Buying a Home in Peterborough

Frequently Asked Questions about 540 Charlotte Street, Peterborough, ON

Q.What is the asking price for 540 Charlotte Street, Peterborough, ON ?

The current listing price for 540 Charlotte Street, Peterborough, ON in Town, Peterborough is $585,000.

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

This property features 3 bedrooms and 2 bathrooms across approximately 1500-2000 sqft.

Q.What property type and architectural style is 540 Charlotte Street, Peterborough, ON ?

540 Charlotte Street, Peterborough, ON is a Detached (2 1/2 Storey) featuring a Unfinished, Walk-Up basement.

Q.What key property features does 540 Charlotte Street, Peterborough, ON offer?

Key property features include: Fenced Yard, Hospital, Library, Marina, Public Transit, Place Of Worship.

Q.What interior features are included in this home?

Interior highlights include: Carpet Free, Storage Area Lockers.

Q.Is parking available at this property?

Yes, this property offers parking space for 4.0 vehicles (None).

Q.What heating and cooling systems are installed?

Heating is provided via Gas and cooling via None.

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Location

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540 Charlotte Street, Peterborough, ON

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Neighborhood Safety Index

Neighborhood Safety & Crime Analytics

Town, Peterborough

SAFETY RATING9.4 / 10
Low Incident Area
Total Annual Incidents35 incidents / yr
Average Per Month2.9 incidents / mo
Population BenchmarkArea Average residents
Personal Safety
Very Low

8 assaults (30.0/100k)

Property Security
Very Low

8 B&E (30.0/100k)

Auto Theft Risk
Low Risk

10 thefts (35.0/100k)

1-Year Trend
â–Ľ 6%

Improving vs previous year

How Per-Capita Rate (Per 100,000 Residents) Is Calculated:

Formula: (Annual Occurrences / Population) Ă— 100,000. This standard policing calculation normalizes incident frequencies across different population sizes, allowing accurate safety comparisons between quiet residential pockets and dense urban centres.

Source: Official Police Services ArcGIS Open Data
Halton & GTA Police Network

Disclaimer: Crime and safety analytics are compiled from official municipal and regional police open data records for general consumer informational and demographic research purposes only. Data is deemed reliable but is not guaranteed and does not constitute a legal representation or guarantee of future safety.

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Pricing & Value Insights

Data-driven valuation for 540 Charlotte Street, Peterborough, ON K9J 2W5

Estimated Sales Range
$556,000 - $573,000

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.

Market Trend
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Mortgage & Affordability Audit

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

Configure Loan Settings

Interest Rate4.00%
Down Payment$175,500 (30.0%)
* Minimum Canadian down payment required for this price is $33,500.
Amortization Period30 Years
Estimated Monthly Payment$1,947Based on a loan of $409,500 over 30 years.
Purchase Price$585,000
Loan Amount$409,500
Provincial Land Transfer Tax:$8,175
Total Estimated Closing Taxes:$8,175

About Purchasing a Home in Peterborough, ON

For a property listed at $585,000 in Peterborough, the legal minimum down payment is $33,500 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 $8,175 for this transaction. As this listing is in Peterborough (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $8,175.

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Town, Peterborough Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for Town, Peterborough.

Verified Local Data
City Population128,624
City Median Age45.2 Yrs
City Ownership70% Owners
Avg Area List Price$694,844

People & Families

Age Distribution

Household Composition

One-person households
29%
Families with children
36%
Couples without children
32%
Other households
3%

Top Ethnic Origins

English33%
Irish30%
Scottish25%
Canadian17%

Best Schools in Town, Peterborough

Elementary Schools

Queen Mary
Public1445 Monaghan Road, Peterborough, Ontario, K9J 5M8
4.0
Immaculate Conception
Public76 Robinson Street, Peterborough, Ontario, K9H 1E8
5.9
St Anne
Public240 Bellevue Street, Peterborough, Ontario, K9H 5E5
6.0
Queen Elizabeth
Public830 Barnardo Avenue, Peterborough, Ontario, K9J 5V9
5.9
Highland Heights
Public430 Highland Road, Peterborough, Ontario, K9H 5J7
4.6

Secondary Schools

Adam Scott
Public175 Langton Street, Peterborough, Ontario, K9H 6K3
5.3
St. Peter’s
CatholicPeterborough, Ontario
6.7
Thomas A Stewart
Public1009 Armour Road, Peterborough, Ontario, K9H 7H2
4.5

Town, Peterborough Demographic Home information

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied70%
Rented30%

Need more details or a custom CMA?

Generate a full market evaluation or explore city guides using the sidebar links.

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.

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