Sold for:Sold Jul 4, 2025
$779,900

646 Ludgate Street

Peterborough (Ashburnham Ward 4), ON K9H 2C2

Detached House SoldNot available

Property not available for sale or for rent.

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Sale & Price History for 646 Ludgate Street, Peterborough, Ashburnham Ward 4

2025-06-16
2025-07-04
Sold
Price
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MLS#
x12223016

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*Sold prices and complete sale & price history are regulated data. Under the Trust in Real Estate Services Act, 2002 (TRESA) and the rules of the Real Estate Council of Ontario (RECO), and pursuant to the Multiple Listing Service® rules of the Canadian Real Estate Association (CREA) and the Toronto Regional Real Estate Board (TRREB), this information may be shown only to registered users who have agreed to the applicable terms of use (a Virtual Office Website, or "VOW," arrangement). HOMEH Inc., Brokerage therefore provides it to signed-in members only. Creating an account is free and takes under a minute.

About 646 Ludgate Street, Peterborough, Ashburnham Ward 4

Tucked at the end of a quiet dead-end street in Peterborough's East City, this rare gem of a walkout bungalow combines city convenience with exceptional privacy, a peaceful, nature-filled setting, and beautiful views of the Trent-Severn Waterway--right in your backyard. Inside, the main floor features a warm and inviting living space with vaulted ceilings and rich wood details throughout. Large windows set high at the peak of the ceiling fill the room with abundant natural light, creating an open and airy atmosphere. The living room includes exposed brickwork surrounding the fireplace, adding character and charm. The open-concept layout flows from the living area into the kitchen, where a glass door leads to a deck--perfect for summer BBQs, relaxing with a book, or simply enjoying the elevated view of boats and the Trent rowing team passing by. Both the kitchen and living room have additional windows that offer lovely views of the canal. The large primary bedroom on the main floor adds convenience and flexibility and could easily be converted into two spacious bedrooms. Downstairs, the finished walk-out basement includes a second bedroom, another fireplace, a built-in bar area, and glass doors that lead to a covered patio--ideal for entertaining or quiet evenings. While the waterfront itself isn't owned by the property, the current owners enjoy spending time on a small dock there taking in the views and setting out for kayak rides. A truly unique home--private, full of charm, and ready to enjoy.

Key Facts & Features

Property Costs

Annual Property Tax Amount
$4,334
Land Transfer Tax Fee
$12,073

Rental Items

Rental Equipment
Hot Water Tank

Basement Type
Partially Finished, Walk-Out

Interior Features

Laundry Level
Lower Level
Interior Extras
Primary Bedroom - Main Floor, Storage
View
Water, Canal
Fireplace/Stove
Yes
Fireplace Features
Natural Gas
Elevator
No

Exterior Features

Exterior Extras
Fishing, Landscaped, Privacy, Porch, Year Round Living
Pool
None
Other Structures
Shed

Building

Building Type
Detached
Building Style
Bungalow
Approx Age
51-99

Construction

Exterior Finish
Brick, Stone
Roof
Metal
Foundation Details
Block, Concrete
Special Designation
Unknown

Lot

Lot Front
53.95 ft
Lot Depth
97.66 ft
Lot Size
0.105
Lot Shape
Irregular

Inclusions

Inclusions
Fridge, Stove, Microwave, Dishwasher, Washer and Dryer, Bar Fridge.

Exclusions

Exclusions
Personal Items. Horns above Fireplace, Freezer

Parking & Garages

Garage Type
None
Garage Spaces
2
Parking Spaces
2
Total Garage And Parking Spaces
2

Heating & Cooling

Heat Source
Gas
Heat Type
Forced Air
Air Conditioning
Central Air
Water
Municipal
Sewers
Sewer
Natural Gas
Yes
Hydro
Yes
Cable
Available
Telephone
Available

Bedrooms
1 + 1
Washrooms
1
Kitchens
1

Room sizes

  • Living Room—
    Main level
  • Primary Bedroom—
    Main level
  • Bathroom—
    Main level
  • Dining Room—
    Main level
  • Kitchen—
    Main level
  • Bedroom—
    Basement level
  • Laundry—
    Basement level
  • Utility Room—
    Basement level
  • Recreation—
    Basement level

Washrooms

  • 4-piece, Main

Municipality
Peterborough
Neighbourhood
Ashburnham Ward 4
Main cross streets
Caddy St & Ludgate St
Zoning
R1
Directions
Armour Rd, right on Caddy St, corner of Caddy St and Ludgate St, driveway is off Caddy St

MLS® number
X12223016
Data source
Toronto Regional Real Estate Board
Status change
2025-07-04
Listed on
2025-06-16
Days on market
18 days
Possession type
Flexible
Co-op commission
2.5%
Seller
Listed by
CENTURY 21 UNITED REALTY INC.

Home Market Value

Current home valuation for 646 Ludgate Street, Peterborough, Ashburnham Ward 4, Peterborough, ON. Listed for $779,900

HOMEH Estimate

?

$593,948

Estimated Sales Range

?

$469,219 - $718,677

HOMEH Estimate for 646 Ludgate Street, Peterborough, Ashburnham Ward 4

Calculated with a real agent's CMA method — 45+ years of experience, codified. Not an AI guess.

$593,948Medium confidence
Based on 6 comparable properties
See the full analysisFree Every recent nearby sale behind this number

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Mortgage Payment Calculator

Compare up to 4 down payment scenarios

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Peterborough, ON
Minimum Down Payment Required:6.8%

5% on first $500K + 10% on $279,900 over $500K

Minimum down payment

$52,990

Scenario 1 Scenario 2 Scenario 3 Scenario 4
−Down payment
%
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%
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%
$
+CMHC insurance
$29,075$21,759$18,562$0
=Total mortgage
$755,942$723,669$681,477$623,920
Amortization
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%
%
%
Payment frequency
=Mortgage payment
$3,691monthly$3,533monthly$3,327monthly$3,046monthly
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Land Transfer Tax

Provincial

$12,073

Total Land Transfer Tax

$12,073

Around this home

22/100Almost All Errands Require a Car
1/100Minimal Transit
40/100Somewhat Bikeable
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