Gurvinder Nokwal REALTOR®
For Sale Detached 48 days on market

$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

Room Level Dimensions
Bedroom Second 11′ 11″ × 8′ 7″
Bedroom Second 15′ 1″ × 8′ 7″
Dining Room Main 14′ 2″ × 11′ 1″
Primary Bedroom Second 13′ 10″ × 11′ 0″
Kitchen Main 11′ 10″ × 14′ 5″
- Main 14′ 0″ × 15′ 1″
Family Room Main 17′ 7″ × 14′ 5″
Office Main 15′ 1″ × 8′ 7″
Bedroom Second 11′ 3″ × 12′ 2″
Bathroom Main 5′ 1″ × 3′ 2″
Bathroom Second 7′ 4″ × 6′ 0″
Mud Room Main 14′ 2″ × 7′ 4″
Other Main 28′ 8″ × 16′ 9″

Features

Interior

  • Water Heater Owned
  • Sump Pump
  • Upgraded Insulation

Property

  • School Bus Route
  • School

Pool

  • None
Included
Refrigerator, Stove, Dishwasher, Freezer

Mortgage calculator

Minimum for this price: $27,900 (5.27%)

Amortization, years

Estimated mortgage payment

$2,342 per month

Principal and interest
$2,342
Property tax
$264
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
Total, before legal fees
$112,855
Talk to me about financing

Estimates 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

38236 Fingal Line, Southwold, ON N5P 3S5 Middlemarch, Southwold, ON N5P 3S5
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Listing data is provided under license and deemed reliable but not guaranteed. MLS®, Multiple Listing Service® and associated logos are trademarks of The Canadian Real Estate Association (CREA).

$529,000 38236 Fingal Line, Southwold, ON N5P 3S5
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