$499,000
Est. payment $2,209/moCalculate yours
326 Smith Street, Central Elgin, ON N5L 1C6
Port Stanley, Central Elgin, ON N5L 1C6
- 3 Beds
- 1 Baths
- 1,100 Sq Ft
Listing courtesy of CALL IT CLOSED INTERNATIONAL BROKERAGE MLS® X13654248
About this home
Just 500 metres from the sand, this is the kind of place people come to Port Stanley for-and rarely leave. Tucked just off the shoreline, this 4 season, 3-bedroom cottage delivers the flexibility buyers are actually chasing right now: personal escape, income potential, or both. It’s been thoughtfully updated without losing that relaxed beach-town feel, making it equally suited for weekend use or full-time living. The main level opens up into a bright, connected living space designed for real use-not just show. The kitchen anchors the home with quartz countertops, a central island, and a herringbone backsplash that adds just enough edge without overdoing it. From there, it flows naturally into the living and family rooms, where a new gas fireplace creates a comfortable focal point, especially in the off-season. Out back, the setup is simple and effective: a private yard, updated fencing, and a deck built for long summer nights, whether that’s hosting a group or just slowing things down after a day at the beach. Mechanically, the heavy lifting is done. Furnace (2023), A/C (2022), and the new fireplace (2024) mean you’re not walking into a project-you’re walking into something that works.What really separates this property is how it performs. It’s already established as a short-term rental, with a track record of happy guests and repeat use. It can be sold fully furnished, which means you can step into the upcoming season without missing a beat-or keep it entirely for yourself and use it when you want.Walk to Main Beach. Walk to the restaurants. Or don’t leave the backyard at all.In a market where buyers are weighing lifestyle against numbers, this one manages to check both boxes without compromise.
Property details
Overview
- Property Type
- Detached
- Style
- 2-Storey
- For
- For Sale
- Status
- New
- Approximate Age
- 100+
- Size
- 1,100 sqft
Interior
- Bedrooms
- 3
- Bathrooms
- 1
- Kitchens
- 1
- Basement
- Full, Unfinished
Building & Systems
- Heating
- Forced Air (Gas)
- Cooling
- Central Air
- Exterior
- Aluminum Siding
- Foundation
- Concrete Block
- Roof
- Metal
- Water
- Municipal
- Sewer
- Sewer
Lot & Parking
- Lot Size
- 22 x 132 Feet
- Parking
- None garage
Financial
- Property Taxes
- $2,778 (2025)
Location
- Neighbourhood
- Port Stanley
- Cross Street
- WILLIAM STREET AND SMITH STREET
- Direction Faces
- South
Listing
- MLS® Number
- X13654248
- Days on Market
- 71
- Listed On
- 2026-08-08
- Possession
- Flexible
- Listed By
- CALL IT CLOSED INTERNATIONAL BROKERAGE
Rooms
Features
Interior
- Other
Property
- Beach
- Fenced Yard
- Golf
- Marina
- Lake/Pond
- School
Pool
- None
- Included
- fridge, stove, dishwasher, washer, dryer, canopy shed
- Rental items
- hot water heater
Mortgage calculator
Estimated mortgage payment
$2,209 per month
- Principal and interest
- $2,209
- Property tax
- $232
- Condo fees
- $0
- Estimated monthly cost
- $2,441
Your mortgage
- Mortgage amount
- $399,200
- Mortgage insurance
- Not needed
- Interest over 25 years
- $263,639
Cash to close
- Down payment
- $99,800
- Land transfer tax
- $6,455
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $106,255
With less than 20% down, a 30-year amortization is available to first-time buyers and buyers of newly built homes.
Talk to me about financingEstimates only, not a mortgage offer or financial advice. Uses the Canadian fixed-rate convention (interest compounded twice a year), 2026 mortgage insurance premiums and Ontario land transfer tax. Your lender will confirm your actual rate and payment.
Location
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