195 MAIN Street, West Elgin, ON

$399,000
MLS#:X13092166
3 beds
2 baths
1500-2000 sqft
3.0 parking
Residential Freehold
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Property Highlights

Welcome to this remarkable 1 1/2 Storey detached located in the coveted neighborhood of West Lorne. Expertly crafted featuring premium vinyl siding construction, this residence presents an exceptional opportunity offered at $399,000 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
  • Generous living space spanning 1500-2000 sqft on a premium 69.94 x 136.48 ft lot
  • Features a crawl space basement, adding superb versatility for recreation, a home gym, or extra storage
  • 3.0 total parking spaces available
  • Notable attributes: On Demand Water Heater, Primary Bedroom - Main Floor
  • equipped with wall unit(s) central cooling and highly efficient forced air heating via gas

Description

MOVE RIGHT IN! Simply Charming~Stunning victorian home circa early 1900's still holds many of the key design elements of days gone by including 6 gabel roof, well preserved original woodwork, 9 foot ceilings on the main floor, stained glass, decorative scrollwork, pocket doors, front porch and more! Entering into this gorgeous home you will be enchanted by the spacious main floor, from the paint tones to the fixtures this house says welcome home. With large entry foyer, bright living room with certified wood stove, separate dining room, country kitchen, bedroom with ensuite bathroom privilege, handy mudroom and main floor laundry (washer and dryer included) . The second floor is graced by 2 more grand bedrooms each with an attached den/sitting room and one with its very own Juliette balcony, a great place to sit and unwind after a long day as well as a recently updated 4 pc bathroom with a large attached storage room for all of your extras. The quiet backyard space is complete with an amazing 20 x 12 board and batten wooden shed perfect for the hobbiest. New last year~forced air gas furnace, heat pump/central air and on demand water heater. Minutes to direct 401 access 35 minutes to London. Minutes to the beach!

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Key Features

Bedrooms
3
Bathrooms
2
Kitchens
1
Living Area
1500-2000 sqft
Property Type
Residential Freehold

Additional Details

StatusSold
Sold DateJune 6, 2026
Sold price information is available to members only
Listed Date5/6/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural Style1 1/2 Storey
ConstructionVinyl Siding
BasementCrawl Space
Lot Size69.94 × 136.48 Feet
CountyElgin
Annual Tax$1,890
Legal DescriptionPART OF LOT 161 PLAN 75 AS IN E354288; WEST ELGIN

Parking & Garage

Parking Spaces3.0
Garage Spaces3
Garage TypeNone

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingWall Unit(s)

Features

Property Features

Beach, Golf, Hospital, Marina, Place Of Worship, School

Interior Features

On Demand Water Heater, Primary Bedroom - Main Floor

Security Features

Carbon Monoxide Detectors, Smoke Detector

Community Features

Location

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195 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 195 MAIN Street, West Elgin, ON N0L 1P0

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 West Elgin.

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Interest Rate5.25%
Down Payment$19,950 (5.0%)
* Minimum Canadian down payment required for this price is $19,950.
Amortization Period25 Years
Estimated Monthly Payment$2,259Based on a loan of $379,050 over 25 years.
Purchase Price$399,000
Loan Amount$379,050
Provincial Land Transfer Tax:$4,460
Total Estimated Closing Taxes:$4,460

About Purchasing a Home in West Elgin, ON

For a property listed at $399,000 in West Elgin, the legal minimum down payment is $19,950 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 $4,460 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 $4,460.

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$483,533

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.