Open house
Sun, Oct 18·12:00 p.m.–2:00 p.m.(Public)
Listed for:Listed Aug 31, 2026
$529,000

38236 Fingal Line

Southwold (Middlemarch), ON N5P 3S5

Detached House For Sale
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Sale & Price History for 38236 Fingal Line, Southwold, Middlemarch

No listing history available

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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 38236 Fingal Line, Southwold, Middlemarch

Summarized Description

  • Charming historic home with unique character.
  • Flexible living space ideal for families.
  • Large deck perfect for outdoor entertaining.
  • Insulated shop offers hobby and workshop space.
  • Generous lot size in peaceful country setting.
  • Close proximity to local wildlife area.
  • Antique built-ins add vintage appeal.
  • Freestanding gas fireplace enhances cozy atmosphere.

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.

Key Facts & Features

Property Costs

Annual Property Tax Amount
$3,173
Land Transfer Tax Fee
$7,055

Basement Type
Partial Basement

Interior Features

Interior Extras
Water Heater Owned, Sump Pump, Upgraded Insulation
View
Garden
Fireplace/Stove
Yes
Elevator
No

Exterior Features

Exterior Extras
Deck, Awnings
Pool
None
Property Features
School Bus Route, School

Building

Building Type
Detached
Building Style
2-Storey

Construction

Exterior Finish
Vinyl Siding
Roof
Asphalt Shingle
Foundation Details
Concrete Block, Stone
Special Designation
Unknown

Lot

Lot Front
90.42 ft
Lot Depth
240.14 ft

Inclusions

Inclusions
Refrigerator, Stove, Dishwasher, Freezer

Parking & Garages

Garage Type
None
Garage Spaces
0
Parking Spaces
9
Total Garage And Parking Spaces
9

Heating & Cooling

Heat Source
Gas
Heat Type
Forced Air
Air Conditioning
Window Unit(s)
Water
Municipal
Sewers
Septic

Bedrooms
4
Washrooms
2
Kitchens
1
Family / bonus room
Yes

Room sizes

  • Bedroom—
    Second level
  • Bedroom—
    Second level, Laminate, B/I Closet
  • Dining Room—
    Main level, Sliding Doors, Combined w/Laundry
  • Primary Bedroom—
    Second level, Laminate, Walk-In Closet(s)
  • Kitchen—
    Main level, Granite Counters
  • Room—
    Main level
  • Family Room—
    Main level, Gas Fireplace, Hardwood Floor
  • Office—
    Main level, Laminate
  • Bedroom—
    Second level
  • Bathroom—
    Main level, 2 Pc Bath
  • Bathroom—
    Second level, 4 Pc Bath
  • Mud Room—
    Main level, Pantry
  • Other—
    Main level

Washrooms

  • 4-piece, Second
  • 2-piece, Main

Municipality
Southwold
Neighbourhood
Middlemarch
Main cross streets
John Wise Line
Zoning
R1
Directions
Located on the North West corner of Fingal Line and John Wise Line.

MLS® number
X13726666
Data source
Toronto Regional Real Estate Board
Listed on
2026-08-31
Updated on
2026-10-14
Days on market
48 days
Possession type
60-89 days
Co-op commission
2%
Seller
Listed by
ELGIN REALTY LIMITED

Home Market Value

Current home valuation for 38236 Fingal Line, Southwold, Middlemarch, Southwold, ON. Listed for $529,000

HOMEH Estimate

?

$500,135

Estimated Sales Range

?

$395,107 - $605,163

HOMEH Estimate for 38236 Fingal Line, Southwold, Middlemarch

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

$500,135Medium confidence
Based on 1 comparable property
+ $28,865 (6%) above our estimate
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

$
Southwold, ON
Minimum Down Payment Required:5.3%

5% on first $500K + 10% on $29,000 over $500K

Minimum down payment

$27,900

Scenario 1 Scenario 2 Scenario 3 Scenario 4
−Down payment
%
$
%
$
%
$
%
$
+CMHC insurance
$20,039$14,759$12,590$0
=Total mortgage
$521,002$490,859$462,240$423,200
Amortization
Mortgage rate
%
%
%
%
Payment frequency
=Mortgage payment
$2,544monthly$2,397monthly$2,257monthly$2,066monthly
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Land Transfer Tax

Provincial

$7,055

Total Land Transfer Tax

$7,055

Around this home

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6.0 /10

Southwold

Public·elementary·2.3km

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