Looking for an affordable summer home that's move in ready? This nicely decorated home may be it!...ITS ONLY A Short walk to the pristine sandy beaches and waters of lake erie. OR THE Quaint shops, pubs & eateries and the performing arts theatre. This charming 1 1/2 storey home is move in ready with space! STYLE! LOCATION!...IT FEATURES 4 BEDROOMS, 1 1/2 BATHS, Mainfloor laundryroom, cozy enclosed front verandah, large diningroom and spacious livingroom, and an open staircase with metal ballisters and a bright modern kitchen with loads of cabinets and opening to the large rear deck overlooking the premium sized yard with lots of private parking and space which has hosted many, many family/neighbourhood "get togethers" over the years....Upgrades that were made over the years include maintenance free vinyl windows & doors, insulation, drywall, wiring & electrical panel, central air, plumbing fixtures, & cabinetry.
4 bedrooms, 1 bathroom, about 1,500 sq ft, works out to roughly $367 per square foot. Chat with Zara if you'd like a deeper read on whether this detached fits your budget and timing.
Inside 338 Smith St
Every detail from the listing, in one place.
Type
Detached
Style
1 1/2 Storey
Living space
1500-2000 sq ftas stated on the listing
Parking
4 spaces
Basement
Unfinished
Features & systems
Parking & garage
Parking spaces
4
Interior
Basement
Unfinished
Lot & land
Lot size (sqft)
0
Listing & possession
Property style
1 1/2 Storey
Property class
Detached
338 Smith St Price & Sale History
Earlier listings of this property, list-price changes, and the most recent annual property tax on the listing.
Independent mortgage broker · OAC · rates subject to change and underwritingMortgage Squad →
Referral disclosure: Summitly may refer you to Mortgage Squad Advisors, an affiliated mortgage partner. You are free to choose any lender or mortgage professional.
Monthly cost
Enter a rate to see the monthly cost
An estimate, not a quote. Utilities and insurance are extra.
Affordability calculator
Estimated monthly payment
$2,701
/mo
based on the purchase price of $549,900
$109,980 cash
$439,920 financed
$370,528 total interest
Principal54%$439,920
Interest46%$370,528
20% down · 25-yr amortization · 5.50% rate. Principal & interest only — taxes, condo fees, and insurance not included.
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Figures are Summitly estimates for illustration only — not from TRREB or the MLS® feed, and not a mortgage approval, appraisal, or financial advice.
Rental income potential
Est. monthly rent
low–high
Gross yield
rent × 12 ÷ price
Cap rate (est.)
net of tax + fees
Summitly AI estimate for discussion only — not from TRREB or the MLS® feed, and not an appraisal or investment advice. Yield and cap rate are derived from the estimated rent versus the asking price.
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Mortgage financing is arranged through Mortgage Squad Advisors. Summitly is the technology platform that powers this site. Estimated values, AI insights, calculator results, and rental projections shown on this page are generated by Summitly and are not provided by, reviewed by, or sourced from TRREB, the MLS®, or the listing brokerage; they are not appraisals or opinions of value. The trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by the Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. The Coldwell Banker® name and logo are trademarks of Coldwell Banker Real Estate LLC.
Similar homes for sale nearby in Central Elgin
Other 3–5 bed homes for sale in Central Elgin around $550K.
Average days on market63Homes sold in about 63 days on average.
Sale-to-list ratio97.3%On average, homes sold below asking.
Active listings109Homes for sale here right now.
Median vs prior 90 days−3.7%Compared with May 15 – Aug 13, 2026: prices down.
Based on 88 sales from Aug 13 – Nov 11, 2026 (75 in the prior 90 days). Aggregate MLS® figures for closed sales; individual sold prices are shown only to signed-in members.
Questions About 338 Smith St
How much is 338 Smith St listed for?
338 Smith St is listed at $549,900 (MLS® X13779740). Summitly updates the price as soon as the MLS® record changes.
Is $549,900 a good price for 338 Smith St?
Summitly rates it Excellent Deal: the asking price is 10% or more below Zara's estimate, an estimate built from recent sales in Central Elgin. The rating is an automated opinion, not an appraisal; "What's it worth?" on this page shows how it is worked out. See Zara's estimate
Has the price of 338 Smith St changed?
Yes — it was first listed at $599,900 and is now $549,900, a drop of $50,000 (8.3%).
How many bedrooms and bathrooms does 338 Smith St have?
338 Smith St has 4 bedrooms and 1 bathroom, with about 1,500–2,000 square feet of living space. It is a detached home in Central Elgin.
How much would the monthly mortgage be on 338 Smith St?
About $2,701 a month — principal and interest on $549,900 with 20% down ($109,980), a 25-year amortization and an assumed 5.5% interest rate. The mortgage calculator on this page lets you change the down payment, amortization and rate.
How does 338 Smith St compare with other homes in Central Elgin?
Its asking price of $549,900 is about 11% below the median sold price in Central Elgin over the last 90 days, $616,000, across 88 closed sales on the TRREB MLS®. A city median mixes every type and size of home, so the comparable sales on this page are the closer guide.
Has 338 Smith St been sold before?
Summitly has no earlier MLS® sale or lease of 338 Smith St on record from the last two years. Older records aren't shown under TRREB rules.
Where is 338 Smith St?
338 Smith St is in Central Elgin, ON. Schools, transit, parks and shops nearby are under Location & lifestyle on this page.
How long has 338 Smith St been on the market?
58 days — 338 Smith St was listed on September 14, 2026.
What is the price per square foot of 338 Smith St?
About $275 to $367 per square foot: the asking price of $549,900 over the 1,500–2,000 sq ft the listing gives as its size range.
Does 338 Smith St have parking or a garage?
Yes — the listing gives 4 parking spaces.
Does 338 Smith St have a basement, and is it finished?
The listing describes the basement as: Unfinished.
