89 Mill Street, Port Hope, ON

$425,000
MLS#:X12609770
2 beds
2 baths
1500-2000 sqft
3.0 parking
Residential Freehold
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Property no longer active

This property was sold on January 7, 2026. This listing is for reference purposes only. to view the sold price.

Property Highlights

Welcome to this remarkable 2-Storey duplex located in the coveted neighborhood of Port Hope. Expertly crafted featuring premium brick and wood construction, this residence presents an exceptional opportunity offered at $425,000 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.

  • 2 Bedrooms and 2 Bathrooms with 2 functional kitchens
  • Generous living space spanning 1500-2000 sqft on a premium 40.46 x 119 ft lot
  • Features a unfinished, exposed rock basement, adding superb versatility for recreation, a home gym, or extra storage
  • 3.0 total parking spaces available
  • Notable attributes: Separate Hydro Meter, Sump Pump, Water Heater Owned
  • Efficient forced air heating via gas

Description

Discover the potential in this two story legal duplex steps from Port Hope's charming downtown. This 1+1 bedroom property is being sold AS IS, WHERE IS, with all contents included. Offering an excellent opportunity for renovators, investors, or anyone looking to bring new life to a character-filled home. With its convenient location, legal duplex status, and solid bones, this property is ready for someone with the vision to restore, refresh, and transform it into a standout investment in one of Port Hope's most desirable areas.

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Property Summary

This duplex located at 89 Mill Street, Port Hope is currently for sale and has been available on SousaSells for 222 days. This property is listed at $425,000 with an estimated mortgage of $1,415* per month. It has 2 beds, 2 bathrooms, and is 1500-2000 square feet. 89 Mill Street, Port Hope is in the Port Hope neighborhood.

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

Key Features

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

Additional Details

StatusSold
Sold DateJanuary 7, 2026
Sold price information is available to members only
Listed Date12/8/2025
Transaction TypeFor Sale

Property Details

Property Sub-TypeDuplex
Architectural Style2-Storey
ConstructionBrick, Wood
BasementUnfinished, Exposed Rock
Lot Size40.46 × 119 Feet
CountyNorthumberland
Annual Tax$4,084.6
Legal DescriptionPT LT 31 E/S MILL ST AND W/S HARCOURT ST UNLETTERED BLK PL 26 PORT HOPE AS IN NC214969; S/T EXECUTION 05-0000300, IF ENFORCEABLE; PORT HOPE l

Parking & Garage

Parking Total3.0
Parking Space3
Garage TypeNone

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingNone

Features

Property Features

Library, School, Public Transit, Rec./Commun.Centre

Interior Features

Separate Hydro Meter, Sump Pump, Water Heater Owned, Water Meter

Security Features

Community Features

Location

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89 Mill 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 89 Mill Street N, Port Hope, ON L1A 2T3

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$127,500 (30.0%)
* Minimum Canadian down payment required for this price is $21,250.
Amortization Period30 Years
Estimated Monthly Payment$1,415Based on a loan of $297,500 over 30 years.
Purchase Price$425,000
Loan Amount$297,500
Provincial Land Transfer Tax:$4,975
Total Estimated Closing Taxes:$4,975

About Purchasing a Home in Port Hope, ON

For a property listed at $425,000 in Port Hope, the legal minimum down payment is $21,250 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 $4,975 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 $4,975.

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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$794,011

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.