109 Elgin Street, Port Hope, ON

$499,900
MLS#:X13645108
2 beds
1 baths
1100-1500 sqft
5.0 parking
Residential Freehold
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Property Highlights

Welcome to this remarkable Bungalow detached located in the coveted neighborhood of Port Hope. 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.

  • 2 Bedrooms and 1 Bathroom
  • Generous living space spanning 1100-1500 sqft on a premium 54.73 x 196.02 ft lot
  • Features a full basement, adding superb versatility for recreation, a home gym, or extra storage
  • 5.0 total parking spaces available with a convenient carport configuration
  • Notable attributes: Primary Bedroom - Main Floor, Water Heater Owned
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

2 bedroom vinyl sided bungalow located in a well developed quiet neighbourhood. Spacious kitchen. Living room has a brick painted fireplace that was once coal burning and now is an electric insert. Main floor laundry. 3 season attached sunroom that is 3 years old overlooking the backyard which is 196 feet deep with a workshop and separate shed. There is also a cat kennel and above ground pool. Gas furnace was installed 2014 and the central air was installed 2015.

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Property Summary

This detached home located at 109 Elgin Street, Port Hope is currently for sale and has been available on SousaSells for 4 days. This property is listed at $499,900 with an estimated mortgage of $1,664* per month. It has 2 beds, 1 bathroom, and is 1100-1500 square feet. 109 Elgin Street, Port Hope is in the Port Hope 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?

Ideal for small families, couples, or individuals seeking a manageable and comfortable living layout in Port Hope, Port Hope.

Great for Small Household / Couples
What We Love About This Home
  • 2 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?

First-time home buyers, professionals, or investors seeking value.

Target Buyer Match

Key Features

Bedrooms
2
Bathrooms
1
Kitchens
1
Living Area
1100-1500 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
Listed Date8/6/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural StyleBungalow
ConstructionVinyl Siding
BasementFull
Lot Size54.73 × 196.02 Feet
CountyNorthumberland
Annual Tax$4,214.36
Legal DescriptionPlan 11 South, Part Lot 3

Parking & Garage

Parking Total5.0
Parking Space5
Garage TypeCarport

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

  • Fenced Yard
  • Park
  • Rec./Commun.Centre
  • School

Interior Features

  • Primary Bedroom - Main Floor
  • Water Heater Owned

Security Features

  • Smoke Detector

Community Features

None listed

Frequently Asked Questions about 109 Elgin Street, Port Hope, ON

Q.What is the asking price for 109 Elgin Street, Port Hope, ON ?

The current listing price for 109 Elgin Street, Port Hope, ON in Port Hope, Port Hope is $499,900.

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

This property features 2 bedrooms and 1 bathroom across approximately 1100-1500 sqft.

Q.What property type and architectural style is 109 Elgin Street, Port Hope, ON ?

109 Elgin Street, Port Hope, ON is a Detached (Bungalow) featuring a Full basement.

Q.What key property features does 109 Elgin Street, Port Hope, ON offer?

Key property features include: Fenced Yard, Park, Rec./Commun.Centre, School.

Q.What interior features are included in this home?

Interior highlights include: Primary Bedroom - Main Floor, Water Heater Owned.

Q.What security features are installed at 109 Elgin Street, Port Hope, ON ?

Security features include: Smoke Detector.

Q.Is parking available at this property?

Yes, this property offers parking space for 5.0 vehicles (Carport).

Q.What heating and cooling systems are installed?

Heating is provided via Gas and cooling via Central Air.

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Location

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109 Elgin Street, Port Hope, 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 109 Elgin Street N, Port Hope, ON L1A 2L9

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 Port Hope.

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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 Port Hope, ON

For a property listed at $499,900 in Port Hope, 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 Port Hope (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 Hope, Port Hope Neighborhood Guide

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

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$891,571

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 Hope, Port Hope

Elementary Schools

Beatrice Strong
Public90 Rose Glen Road North, Port Hope, Ontario, L1A 3V6
4.7

Secondary Schools

Port Hope
Public130 Highland Drive, Port Hope, Ontario, L1A 2A3
5.6

Port Hope, Port Hope 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.