$529,000
Est. payment $2,342/moCalculate yours
38236 Fingal Line, Southwold, ON N5P 3S5
Middlemarch, Southwold, ON N5P 3S5
- 4 Beds
- 2 Baths
- 1,500 Sq Ft
Listing courtesy of ELGIN REALTY LIMITED MLS® X13726666
About this home
Own a Little Piece of History in Middlemarch! A charming country family home with character, space, and a story to tell. Located just a 2-minute drive to Southwold PS, this beautiful 4-bedroom home sits on a generous 1/2 acre lot and has been lovingly owned by the same family for the past 50 years. Steeped in local history, the property was once home to a post office, general store, and blacksmith shop, and has since been the place where a family was raised. The flexible living space on the main floor includes a family room featuring a freestanding gas fireplace, and hardwood flooring. A second living area at the front of the home provides even more room for relaxing. The office could also serve as a 5th bedroom, making this home ideal for a growing family, guests, or those working from home.The bright eat-in kitchen features a quartz countertop and sliding doors leading to a large deck with a power awning, providing the perfect spot for outdoor entertaining, or simply shade and privacy. Conveniently located off the kitchen are the laundry area and mudroom/pantry. The 28’x16′ storage area could be used for a home gym. Upstairs, you’ll find a 4 pc bathroom and four generously sized bedrooms, including two bedrooms with charming antique built-in closets.The utility basement includes two sump pumps, an owned hot water tank, and a gas furnace. One of the true gems of this property is the impressive 26’x 29′ insulated and heated shop with mezzanine. Heated by a high-efficiency propane furnace, the shop provides an incredible space for hobbies, projects, storage, or a home-based workshop.A dust collector and additional equipment may be included, making this an exciting opportunity for anyone looking for a property where they can truly spread out and pursue their passion. The surrounding grounds attract an endless variety of birds and other wildlife, offering a peaceful country setting right at home.Fingal Wildlife Management Area is only an 8-minute drive away.
Property details
Overview
- Property Type
- Detached
- Style
- 2-Storey
- For
- For Sale
- Status
- New
- Size
- 1,500 sqft
Interior
- Bedrooms
- 4
- Bathrooms
- 2
- Kitchens
- 1
- Basement
- Partial Basement
Building & Systems
- Heating
- Forced Air (Gas)
- Cooling
- Window Unit(s)
- Exterior
- Vinyl Siding
- Foundation
- Concrete Block, Stone
- Roof
- Asphalt Shingle
- Water
- Municipal
- Sewer
- Septic
Lot & Parking
- Lot Size
- 90.42 x 240.14 Feet
- Parking
- None garage · 9 total
- Zoning
- R1
Financial
- Property Taxes
- $3,173 (2026)
Location
- Neighbourhood
- Middlemarch
- Cross Street
- John Wise Line
- Direction Faces
- North
Listing
- MLS® Number
- X13726666
- Days on Market
- 48
- Listed On
- 2026-08-31
- Possession
- Flexible
- Listed By
- ELGIN REALTY LIMITED
Rooms
Features
Interior
- Water Heater Owned
- Sump Pump
- Upgraded Insulation
Property
- School Bus Route
- School
Pool
- None
- Included
- Refrigerator, Stove, Dishwasher, Freezer
Mortgage calculator
Estimated mortgage payment
$2,342 per month
- Principal and interest
- $2,342
- Property tax
- $264
- Condo fees
- $0
- Estimated monthly cost
- $2,607
Your mortgage
- Mortgage amount
- $423,200
- Mortgage insurance
- Not needed
- Interest over 25 years
- $279,489
Cash to close
- Down payment
- $105,800
- Land transfer tax
- $7,055
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $112,855
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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