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DetachedListed 49 days ago

$499,900

45687 Fruit Ridge Line, Central Elgin, ON N5P 3S9

Rural Central Elgin · Central Elgin · N5P 3S9

Listing brokerage: CENTURY 21 FIRST CANADIAN CORP

Beds
2
Baths
1
Sq ft
1500–2000
Parking
5

Monthly costs

Property taxes

$255/mo

$3,064 a year (2025)

The home

Lot size
150 × 150 ft
Style
1 1/2 Storey
Basement
Full
Parking
5 spots · Detached
Faces
South
Age
100+ years
Heating · cooling
Forced Air, Window Unit(s)
Possession
FLEXIBLE

About this home

Enjoy peaceful country living on this quiet 1/2 acre property just southeast of St. Thomas, offering plenty of space, privacy, and beautiful rural surroundings. This charming two storey home features approximately 1,560 sq. ft. of living space. The main level includes a bright living room, separate dining area, a well laid out kitchen, convenient entry, and a four-piece bathroom. A central wood burning stove, and main floor laundry complete the space. Upstairs, two generously sized bedrooms provide comfortable and private retreats with plenty of natural light. Outside, enjoy the large, open yard, raised rear deck, and detached garage/shop, offering excellent space parking your vehicle, and room for any hobbies you might have. Mature greenery and open countryside create a beautiful backdrop, with stunning sunsets to enjoy from the property. Ideally located just a short drive from Port Stanley and the amenities of St. Thomas, this is a wonderful opportunity to enjoy a relaxed rural lifestyle while remaining close to town and the lake.

All details23 more from the listing · Interior, Heating, Parking, Exterior, Utilities, Taxes, Listing

Interior

Bedrooms
2
Bathrooms
1
Kitchens
1
Rooms
5
Size
1500-2000 sq ft
Fireplace
Wood Stove

Features

  • Sump Pump
  • Water Heater Owned

Heating & Cooling

Heat source
Propane

Parking

Covered spaces
1

Exterior & Lot

Exterior
Aluminum Siding
Roof
Asphalt Shingle
Foundation
Stone

Other structures

  • Shed
  • Workshop

Exterior features

  • Deck

Utilities

Sewer
Septic

Taxes & Fees

HST
Included In

Listing

MLS® number
X13713890
Type
Detached
Transaction
For Sale
Neighbourhood
Rural Central Elgin
Original price
$550,000
Cross streets
FRUIT RIDGE LINE AND QUAKER ROAD
Rooms · 8Kitchen, Dining Room, Living Room, Bathroom, Laundry, Primary Bedroom, Bedroom 2, Washroom
  • Kitchen

    Main

    4.77 × 3.12 m · 15′8″ × 10′3″

  • Dining Room

    Main

    4.77 × 2.96 m · 15′8″ × 9′9″

  • Living Room

    Main

    7.11 × 4.60 m · 23′4″ × 15′1″

  • Bathroom

    Main

    2.65 × 2.20 m · 8′8″ × 7′3″

    4 Pc Bath

  • Laundry

    Main

    2.45 × 2.75 m · 8′0″ × 9′0″

  • Primary Bedroom

    Second

    7.11 × 4.60 m · 23′4″ × 15′1″

  • Bedroom 2

    Second

    4.77 × 6.09 m · 15′8″ × 20′0″

  • 4-piece washroom

    Main

History

Past listings and sales for this home and building.

Location

45687 Fruit Ridge Line, Central Elgin, ON N5P 3S9 · Near FRUIT RIDGE LINE AND QUAKER ROAD

Monthly cost

Estimated monthly cost

$2,469/mo

Mortgage
$2,213
Property tax
$255
Down payment$99,980 · 20%
Interest rate4.50%

Amortization

Estimate only, for illustration. Includes mortgage default insurance when less than 20% is put down. Speak with a lender for an exact figure.

Cash to close

Cash to close

$108,354

$99,980 down + $8,374 to $9,624 in closing costs

Ontario land transfer tax
$6,473
Legal fees and disbursements
$1,500 to $2,500
Title insurance
$250 to $500
Property tax adjustment
$151

Estimate only, not legal or tax advice. Rates as of 2026-10-14 from Ontario, City of Toronto and CMHC published rates. Legal and title figures are typical ranges. Adjustments assume the seller prepaid the closing month. First-time rebates have eligibility rules; confirm with your lawyer.

The listing information is deemed reliable but is not guaranteed accurate by PROPTX. 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.

$499,900

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