345 Smith St is a 3-bedroom, 1-bathroom detached home in Central Elgin, listed for $499,900. It has 1100-1500 sq ft of living space.
1Discover your own private hideaway nestled on a quiet, dead-end street.
2This charming 3 bedroom home offers a spacious family room with patio doors to access to a private oversized rear deck, perfect for entertaining or quiet morning coffee surrounded by nature.
3Come with mechanical upgrade including furnace, A/C, metal roof and owned hot water tank.
Discover your own private hideaway nestled on a quiet, dead-end street. This charming 3 bedroom home offers a spacious family room with patio doors to access to a private oversized rear deck, perfect for entertaining or quiet morning coffee surrounded by nature. Come with mechanical upgrade including furnace, A/C, metal roof and owned hot water tank. The basement has been professionally water proofed offering dry storage space. Located just a short leisurely walk to the beach, local Theatre and downtown dining. This home is vacant and move-in ready. Move in now and enjoy Port Stanley's lifestyle. Open house saturday< october 3, 1 to 3 pm
3 bedrooms, 1 bathroom, about 1,100 sq ft, works out to roughly $454 per square foot. Chat with Zara if you'd like a deeper read on whether this detached fits your budget and timing.
Inside 345 Smith St
Every detail from the listing, in one place.
Type
Detached
Style
Bungalow
Living space
1100-1500 sq ftas stated on the listing
Parking
2 spaces
Basement
Full, Unfinished
Features & systems
Parking & garage
Parking spaces
2
Interior
Basement
Full · Unfinished
Lot & land
Lot size (sqft)
0
Listing & possession
Property style
Bungalow
Property class
Detached
345 Smith St Price & Sale History
Earlier listings of this property, list-price changes, and the most recent annual property tax on the listing.
For saleListedThis listingMLS® X13646834$499,900
Sourced from MLS®. Includes earlier listings of this property on record.
What's it worth?
How 345 Smith St Compares to the Central Elgin Market
Zara compares it with recent sales of similar homes nearby. It's a guide, not an appraisal.
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
$2,456
/mo
based on the purchase price of $499,900
$99,980 cash
$399,920 financed
$336,838 total interest
Principal54%$399,920
Interest46%$336,838
20% down · 25-yr amortization · 5.50% rate. Principal & interest only — taxes, condo fees, and insurance not included.
Want rate-drop alerts and a saved shortlist?
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.
For homeowners nearby
Own a home on Smith Street? See what yours is worth
Get an instant estimate for your own home, based on recent sales around you. A free account shows the number and emails you the full report.
Free · No obligation · Backed by Coldwell Banker
Book a tour of 345 Smith St with a licensed buyer's agent
Your agent is usually paid from the seller's side. We'll confirm the co-operating commission on this listing before you sign anything.
Zara, any time
Zara · AI virtual agent
Ask about 345 Smith St day or night. Zara reads this listing and answers in plain words. When you want a person, she hands you to a licensed agent.
A licensed local agent
Your agent shows you the home, checks the paperwork and negotiates your offer, on your side, not the seller's.
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 2–5 bed homes for sale in Central Elgin around $500K.
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 345 Smith St
How much is 345 Smith St listed for?
345 Smith St is listed at $499,900 (MLS® X13646834). Summitly updates the price as soon as the MLS® record changes.
Is $499,900 a good price for 345 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 345 Smith St changed?
No — 345 Smith St is still listed at its original asking price of $499,900.
How many bedrooms and bathrooms does 345 Smith St have?
345 Smith St has 3 bedrooms and 1 bathroom, with about 1,100–1,500 square feet of living space. It is a detached home in Central Elgin.
How much would the monthly mortgage be on 345 Smith St?
About $2,456 a month — principal and interest on $499,900 with 20% down ($99,980), 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 345 Smith St compare with other homes in Central Elgin?
Its asking price of $499,900 is about 19% 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 345 Smith St been sold before?
Summitly has no earlier MLS® sale or lease of 345 Smith St on record from the last two years. Older records aren't shown under TRREB rules.
Where is 345 Smith St?
345 Smith St is in Central Elgin, ON. Schools, transit, parks and shops nearby are under Location & lifestyle on this page.
How long has 345 Smith St been on the market?
98 days — 345 Smith St was listed on August 5, 2026.
What is the price per square foot of 345 Smith St?
About $333 to $454 per square foot: the asking price of $499,900 over the 1,100–1,500 sq ft the listing gives as its size range.
Does 345 Smith St have parking or a garage?
Yes — the listing gives 2 parking spaces.
Does 345 Smith St have a basement, and is it finished?
The listing describes the basement as: Full, Unfinished.
