40 Charles Street, Port Hope, ON

$799,000
MLS#:X13541172
4 beds
2 baths
1500-2000 sqft
Residential Freehold
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Property Highlights

Welcome to this remarkable 2-Storey detached located in the coveted neighborhood of Port Hope. Expertly crafted featuring premium vinyl siding construction, this residence presents an exceptional opportunity offered at $799,000 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 1500-2000 sqft on a premium 50.04 x 62.75 ft lot
  • Features a full basement, adding superb versatility for recreation, a home gym, or extra storage
  • 0.0 total parking spaces available
  • Notable attributes: Carpet Free, Storage
  • Efficient forced air heating via gas

Description

A blank canvas of opportunity, this tastefully renovated property sits in the Heart of Historic Port Hope, a premier location and streetscape you will adore. A bright interior features a welcoming main floor with high end vinyl flooring, classic trim details, a spacious eat-in kitchen with new appliances and an island for entertaining overlooking the private paved yard and walkout to the deck. A formal dining area awaits your design details. The living room overlooks the beautiful neighbourhood, and the main floor laundry and 3-piece bathroom add convenience to this charming 2-storey redesigned home. The upper level features 4 bedrooms, offering flexible space that could also include a home office if desired. Main bathroom has clean tile work, cabinetry and hardware adjacent to the primary bedroom which provides expansive space. Enjoy a welcoming community, the yard space of your own property or stroll downtown, full of vibrant stores, restaurants and entertainment all year round. This is a great option to escape busy city life yet maintain the ability to access the GTA. Take the VIA direct or access the 401 and be in the city in roughly an hour's time. This home is also well-suited for a growing family, with wonderful schools, parks and recreation at your fingertips. You will appreciate walks along the Ganaraska River, which feeds into Lake Ontario. The stunning and unique picturesque town of Port Hope awaits!

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Key Features

Bedrooms
4
Bathrooms
2
Kitchens
1
Living Area
1500-2000 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
Listed Date7/8/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural Style2-Storey
ConstructionVinyl Siding
BasementFull
Lot Size50.04 × 62.75 Feet
CountyNorthumberland
Annual Tax$4,710.18
Legal DescriptionPT LT 17 N/S BALDWIN ST, 18 N/S BALDWIN ST PL BALDWIN PORT HOPE AS IN PH74004; PORT HOPE

Parking & Garage

Parking Spaces0.0
Garage TypeNone

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingNone

Features

Property Features

Arts Centre, Golf, Library, Park, School Bus Route, School

Interior Features

Carpet Free, Storage

Security Features

Community Features

Location

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40 Charles 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 40 Charles Street, Port Hope, ON L1A 1S4

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.

Market Trend
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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 Rate5.25%
Down Payment$54,900 (6.9%)
* Minimum Canadian down payment required for this price is $54,900.
Amortization Period25 Years
Estimated Monthly Payment$4,434Based on a loan of $744,100 over 25 years.
Purchase Price$799,000
Loan Amount$744,100
Provincial Land Transfer Tax:$12,455
Total Estimated Closing Taxes:$12,455

About Purchasing a Home in Port Hope, ON

For a property listed at $799,000 in Port Hope, the legal minimum down payment is $54,900 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 $12,455 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 $12,455.

Nearby Listings

Distance:

No current listings found in Port Hope.

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City & 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$801,547

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

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

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.