
39349 Fingal Line
Southwold (Rural Southwold), ON N5P 3S5
- 3Bedrooms
- 2Bathrooms
- 2Garage
- 1500–2000Sq Ft
- $5,513Tax
- 80×433 ftLot Size
- Estimated Value:$816,792See Free Estimate Report

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About 39349 Fingal Line, Southwold, Rural Southwold
Summarized Description
- Charming 2-storey home on nearly an acre.
- Private lot ideal for families and hobbyists.
- Bright main floor with vaulted ceilings.
- Updated kitchen with ample storage.
- Primary bedroom on main floor with walk-in closet.
- Unfinished basement offers expansion opportunities.
- Quiet country living just minutes from St.
- Thomas.
- Perfect blend of rural lifestyle and modern comfort.
Escape to peaceful country living in this charming 2-storey home set on a spacious, private lot just under an acre, perfect for families, hobbyists, and anyone craving room to breathe. This property offers the ideal blend of quiet rural lifestyle with modern comfort and space to grow. Step inside to an inviting main floor featuring bright, open living areas, vaulted ceilings, large windows with beautiful views, and a warm, welcoming atmosphere. The updated kitchen provides plenty of storage and counter space, flowing naturally into the dining area - perfect for family meals or hosting friends. The primary bedroom is located conveniently on the main floor with a walk in closet and plenty of natural light. Upstairs, you'll find 2 generously sized bedrooms, perfect for your family or while hosting guests. The unfinished basement offers plenty of opportunity with a 2 piece bathroom rough-in, additional bedroom and family room, along with ample space, 2 cold cellars, and a 200 amp panel that can handle any additions you wish to make. The expansive lot gives you endless potential - whether it's gardening, outdoor entertaining, building the shop of your dreams, or letting the kids and pets run free. Enjoy quiet mornings on the porch, evenings under the stars, and the privacy only country living can provide. Located just minutes from St. Thomas, this property delivers the best of both worlds: space, freedom, and convenience. If you're searching for a well-kept country home with room to grow, this is one you won't want to miss. Book your private showing today!
Key Facts & Features
Property Costs
- Annual Property Tax Amount
- $5,513
- Land Transfer Tax Fee
- $14,473
- Basement Type
- Unfinished, Full
Interior Features
- Interior Extras
- Carpet Free, Rough-In Bath, Water Heater Owned, Sump Pump, Primary Bedroom - Main Floor, ERV/HRV
- Fireplace/Stove
- Yes
- Fireplace Features
- Wood
- Elevator
- No
Exterior Features
- Pool
- None
Building
- Building Type
- Detached
- Building Style
- 2-Storey
Construction
- Exterior Finish
- Other
- Roof
- Metal
- Foundation Details
- Concrete
- Special Designation
- Unknown
Lot
- Lot Front
- 80.15 ft
- Lot Depth
- 433.04 ft
- Lot Size
- 0.8
Inclusions
- Inclusions
- Washer, Dryer, Stove, Dishwasher, Oven, TV in Basement
Exclusions
- Exclusions
- Canoe Strap in Garage, Climbing Walls, Bee Hives
Parking & Garages
- Garage Type
- Attached
- Garage Spaces
- 2
- Parking Spaces
- 10
- Total Garage And Parking Spaces
- 12
Heating & Cooling
- Heat Source
- Gas
- Heat Type
- Forced Air
- Air Conditioning
- Central Air
- Water
- Municipal
- Sewers
- Septic
- Bedrooms
- 3
- Washrooms
- 2
- Kitchens
- 1
Washrooms
- 4-piece, Main
- 4-piece, Second
- Municipality
- Southwold
- Neighbourhood
- Rural Southwold
- Main cross streets
- Fingal Line
- Directions
- Head west on Fingal Line, the property is on the left hand side just before Lyle Road
- MLS® number
- X12971454
- Data source
- Toronto Regional Real Estate Board
- Status change
- 2026-04-29
- Listed on
- 2026-04-08
- Days on market
- 21 days
- Possession date
- 2026-05-08
- Possession type
- Flexible
- Co-op commission
- 2% plus HST
- Seller
- Listed by
- ELGIN REALTY LIMITED
Home Market Value
Current home valuation for 39349 Fingal Line, Southwold, Rural Southwold, Southwold, ON. Listed for $899,900
HOMEH Estimate
$816,792
Estimated Sales Range
$571,754 - $1,061,830
HOMEH Estimate for 39349 Fingal Line, Southwold, Rural Southwold
Calculated with a real agent's CMA method — 45+ years of experience, codified. Not an AI guess.
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Mortgage Payment Calculator
Compare up to 4 down payment scenarios
5% on first $500K + 10% on $399,900 over $500K
$64,990
| Scenario 1 | Scenario 2 | Scenario 3 | Scenario 4 | |
|---|---|---|---|---|
−Down payment | % $ | % $ | % $ | % $ |
+CMHC insurance | $33,368 | $25,107 | $21,418 | $0 |
=Total mortgage | $867,575 | $835,017 | $786,333 | $719,920 |
Amortization | ||||
Mortgage rate | % | % | % | % |
| Payment frequency | ||||
=Mortgage payment | $4,236monthly | $4,077monthly | $3,839monthly | $3,515monthly |
Land Transfer Tax
$14,473
$14,473
Around this home
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