DetachedOn market 53 days

38236 Fingal Line, Southwold

Name: 38236 Fingal Line
SKU: X13726666
Price: 529000 CAD
Availability: InStock

Southwold, ON · · MLS® X13726666Updated October 14, 2026

$529,000Est. $2,599/mo mortgage

Bedrooms: 4
Bathrooms: 1
Living space: 1500–2000sq ft
Parking spaces: 9

Type Detached
Basement Partial Basement

What you should know

38236 Fingal Line is a 4-bedroom, 1-bathroom detached home in Southwold, listed for $529,000. It has 1500-2000 sq ft of living space.

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.
The flexible living space on the main floor includes a family room featuring a freestanding gas fireplace, and hardwood flooring.

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4 Bed, 1 Bath Detached Home in Southwold

About 38236 Fingal Line

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.

4 bedrooms, 1 bathroom, about 1,500 sq ft, works out to roughly $353 per square foot. Chat with Zara if you'd like a deeper read on whether this detached fits your budget and timing.

Inside 38236 Fingal Line

Every detail from the listing, in one place.

Type: Detached
Style: 2-Storey
Living space: 1500-2000 sq ftas stated on the listing
Parking: 9 spaces
Basement: Partial Basement

Features & systems

Parking & garage

Parking spaces: 9

Interior

Basement: Partial Basement

Lot & land

Lot size (sqft): 0

Listing & possession

Property style: 2-Storey
Property class: Detached

38236 Fingal Line Price & Sale History

Earlier listings of this property, list-price changes, and the most recent annual property tax on the listing.

Aug 31, 2026For saleListedThis listingMLS® X13726666$529,000

Sourced from MLS®. Includes earlier listings of this property on record.

What's it worth?

How 38236 Fingal Line Compares to the Southwold Market

Zara compares it with recent sales of similar homes nearby. It's a guide, not an appraisal.

Zara’s estimate

Excellent Deal· based on 39 recent sales

Value your own home →How accurate are Zara’s estimates?

Summitly estimate, not from TRREB, the MLS® or the listing brokerage. Not an appraisal. How it works

Southwold market, last 90 days

Median sold price: $595,000
Average sold price: $706,090
Average days on market: 83
Homes sold: 24

Closed sales on the TRREB MLS®.

Full Southwold market report

Recently sold nearby in Southwold

Sold prices are shown free to signed-in members, as board rules require.

6 nearby sales vs. this home

Closed sales from MLS®, compared with this home's asking price.

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Home	Sold price	$ / sqft	% of asking	Sold
This home38236 Fingal Line 4 bd · 1 ba · 1,500 sqft	$529,000asking	$353	—	—
35620 Fingal Line 4 bd · 2 ba · 1,500 sqft
10201 Lynhurst Park Drive 3 bd · 2 ba · 1,100 sqft
34135 Talbot Line 3 bd · 2 ba · 2,000 sqft
34630 Second Line 3 bd · 1 ba · 1,100 sqft
7953 Union Road 3 bd · 2 ba · 1,500 sqft
124 OPTIMIST Drive 4 bd · 4 ba · 2,500 sqft

35620 Fingal Line
4 bd · 2 ba · 1,500 sqft
10201 Lynhurst Park Drive
3 bd · 2 ba · 1,100 sqft
34135 Talbot Line
3 bd · 2 ba · 2,000 sqft
34630 Second Line
3 bd · 1 ba · 1,100 sqft
7953 Union Road
3 bd · 2 ba · 1,500 sqft
124 OPTIMIST Drive
4 bd · 4 ba · 2,500 sqft

Living in Southwold: Location & Amenities

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Costs, Mortgage & Rental Return for 38236 Fingal Line

What it could cost each month, today's rates from our mortgage partner, and what it could return as a rental.

Mortgage: $2,599; 20% down · 25 years · 5.5% assumed
Property tax: $291; 0.66% mill rate · ON
Total per month: $2,890; Before utilities, insurance and fees

Figures are Summitly estimates for illustration only — not from TRREB or the MLS® feed, and not a mortgage approval, appraisal, or financial advice.

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Monthly cost

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Down payment

Rate (%)

Years

An estimate, not a quote. Utilities and insurance are extra.

Affordability calculator

Estimated monthly payment

$2,599

/mo

based on the purchase price of $529,000

Down payment20%

$105,800 cash

Amortization25 yr

$423,200 financed

Rate5.50%

$356,445 total interest

Principal54%$423,200

Interest46%$356,445

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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Listing brokerage: ELGIN REALTY LIMITED, BrokerageMLS® X13726666 · Listing data last updated October 14, 2026

Listing data comes from the Toronto Regional Real Estate Board (TRREB) and is deemed reliable but not guaranteed. Shown on Summitly by Coldwell Banker Summit Realty, Brokerage, which is not the listing brokerage. The information provided herein must only be used by consumers that have a bona fide interest in the purchase, sale, or lease of real estate and may not be used for any commercial purpose or any other purpose. © 2026 Toronto Regional Real Estate Board. All rights reserved.

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.

For sale· listed Aug 30· $353/sq ft

Estimated monthly mortgage$2,599/moMortgage only · 20% down · 5.5% assumed

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5.0 · Google rating for Coldwell Banker Summit Realty, Brokerage · as of September 2026

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