148 Main Street, West Elgin, ON

$399,900
MLS#:X13148538
3 beds
1 baths
1100-1500 sqft
2.0 parking
Residential Freehold
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Property Highlights

Welcome to this remarkable Bungalow detached located in the coveted neighborhood of West Lorne. Expertly crafted featuring premium vinyl siding construction, this residence presents an exceptional opportunity offered at $399,900 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 1 Bathroom
  • Generous living space spanning 1100-1500 sqft on a premium 66 x 132 ft lot
  • Features a crawl space basement, adding superb versatility for recreation, a home gym, or extra storage
  • 2.0 total parking spaces available with a convenient attached configuration
  • Notable attributes: Water Heater Owned
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

Welcome to the heart of West Lorne - just steps to the fire hall, local shops, restaurants, parks, and walking trails, with quick access to Highway 401 for an easy commute. Situated on a generous 66 x 132 ft lot, this charming 3-bedroom, 1-bath bungalow offers comfortable single-floor living - ideal for first-time buyers or downsizers seeking small-town charm and everyday convenience. Inside, you'll find a spacious living room filled with natural light and a dedicated space for a dining room, creating a functional layout for both everyday living and entertaining. A bright 3-season sunroom adds bonus square footage and is perfect for morning coffee or relaxing evenings in spring and fall. An attached garage - a rare find in this price point - adds valuable storage, parking, and functionality, with convenient interior access. From the garage, patio doors lead to the fully fenced backyard (2021), offering a private space ideal for kids, pets, or summer gatherings. The adorable blue kitchen features stainless steel appliances, a gas stove, dishwasher (2023), and a brand-new fridge (2025). The thoughtful layout places the primary bedroom near the bathroom, with two additional bedrooms perfect for children, guests, or a home office. A cozy alcove offers flexible space for a reading nook or desk. With the entry and utility area located beside the existing bathroom, there may also be potential to add a convenient powder room for added functionality (buyer to verify). Key updates include windows (2020), roof (2019), insulated and sealed crawl space (2021), washer and dryer (2024), owned hot water tank (2025), and furnace & A/C (2024, currently rentals). Gas BBQ hookup included. West Lorne offers friendly small-town living just 35 minutes to London and Chatham - the perfect balance of peace and accessibility. Some photos are virtually staged.

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Key Features

Bedrooms
3
Bathrooms
1
Kitchens
1
Living Area
1100-1500 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
Listed Date5/20/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural StyleBungalow
ConstructionVinyl Siding
BasementCrawl Space
Lot Size66 × 132 Feet
CountyElgin
Annual Tax$1,797
Legal DescriptionLT 88 PL 199 WEST LORNE; WEST ELGIN

Parking & Garage

Parking Spaces2.0
Garage Spaces2
Garage TypeAttached

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

Interior Features

Water Heater Owned

Security Features

Community Features

Location

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148 Main Street, West Elgin, 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 148 Main Street, West Elgin, ON N0L 2P0

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

Market Speed
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Mortgage & Affordability Audit

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

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Interest Rate5.25%
Down Payment$19,995 (5.0%)
* Minimum Canadian down payment required for this price is $19,995.
Amortization Period25 Years
Estimated Monthly Payment$2,264Based on a loan of $379,905 over 25 years.
Purchase Price$399,900
Loan Amount$379,905
Provincial Land Transfer Tax:$4,474
Total Estimated Closing Taxes:$4,474

About Purchasing a Home in West Elgin, ON

For a property listed at $399,900 in West Elgin, the legal minimum down payment is $19,995 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 $4,474 for this transaction. As this listing is in West Elgin (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $4,474.

Nearby Listings

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City & Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for West Lorne, West Elgin.

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$482,307

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

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Secondary Schools

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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.