Homula Realty 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.

12 VICTORIA Street, Middlesex Centre, ON N0L 1E0

3+1 beds · 4 baths · 1 kitchen · 8+2 rooms · 8 parking spaces · 3000-3500 sq ft · Laundry on the lower level level · Detached
$1,449,000
Property tax
$6,817 / year

The Victoria: A Century Home Oasis Nestled on a charming street in Delaware, Ontario, The Victoria is a beautifully renovated century home surrounded by a lush, park-like yard backing onto a peaceful woodlot. This private oasis blends historic charm with modern luxury, offering a tranquil retreat just minutes from local conveniences. Outdoor living shines here with double decks, a covered hot tub, and a stunning 20x40 concrete saltwater pool with stone coping. A timber-framed playhouse, firepit, and beautifully landscaped grounds add to the serene, family-friendly setting. A long paving-stone driveway, lined with spruce and flowering trees, leads to a heated two-car garage and pool equipment room, offering ample parking for guests. Inside, the home has been thoughtfully updated while preserving its original character. The gourmet kitchen features garden-view windows, stone floors, dovetail drawers, wooden cabinetry, and a massive granite island. A two-tier family room boasts exposed wood rafters and brick accents, while the formal dining room adds elegance with a crystal chandelier and pocket doors. Both living and family rooms include updated natural gas fireplaces, and a convenient powder room completes the main floor. Upstairs, three bedrooms and a full bath offer comfort and privacy. The primary retreat includes a walk-in closet, ensuite with jetted tub, and a private porch overlooking the front lawn. The finished lower level includes a games/exercise area, an additional bedroom, and a two-piece bath ideal for guests. Delaware offers the charm of small-town living with access to top-rated schools, new amenities, grocery stores, restaurants, parks, rinks, golf courses, and more all just a short walk or drive away. 12 Victoria Street is a rare opportunity to own a timeless home with every modern convenience in a vibrant, welcoming community.

MLS number
X13584126
Type
Detached
Status
Active
Bedrooms
4
Bathrooms
4
Postal code
N0L 1E0
Photos
42
Laundry
Lower Level level
55days · this listing
Total days on market across every earlier listing of this propertyRegistration and sign-in required

This listing’s own days on market are shown above. How long the property has been for sale across every earlier listing is drawn from records the board releases only to registered users — a free account opens it, along with the sale history below.

Listing history

This address has been listed 4 times.

Sale history is for registered usersSee what this address sold for and when, across all 4 listings. Free account — the board’s rules require one before sold data can be shown.Create a free account

Where this property is

Where this address sits, matched against open government data.

Matched to a published address point for this address.

Schools

The school boundaries this address is inside, and the schools nearest it. Boards redraw boundaries and cap programs — confirm with the board before this affects a decision.

Other schools nearby

By distance from this address, not school boundary — a school 400 m away can be in another school’s attendance area.

SchoolLevelDistanceRating
Our Lady of Lourdes Separate School
London District Catholic School Board
Elementary302 m8.6 / 10
86% met the standard
Delaware Central School
Thames Valley DSB
Elementary991 m6.0 / 10
60% met the standard
How the rating is calculated

EQAO — Ontario’s testing agency — publishes, for each school, the percentage of students meeting the provincial standard in Grade 3 and Grade 6 reading, writing and mathematics. The rating is the average of those percentages divided by ten. A school where 72% of students met the standard rates 7.2 out of 10.

Nothing is weighted or adjusted, and schools are not ranked against each other. Where EQAO withholds a result to protect the privacy of a small group of students, that measure is left out rather than counted as zero — so a rating built on fewer than six measures says so.

What it does not measure. It is one year of standardised testing in three subjects. It says nothing about teaching, programs, or whether a school suits a particular child, and it tracks neighbourhood household income closely enough that it partly measures the neighbourhood rather than the school. Treat it as one figure among many.

Source: Ontario Ministry of Education, School Information and Student Demographics (2024–25), Open Government Licence – Ontario.

H-Value

our estimate of this home is for registered usersWhat comparable homes nearby actually sold for, worked into an estimate for this one — with the range it sits in and how far the method has been off in testing.Create a free accountAlready have one? Sign in.

What an H-Value is and how it is calculated — the method and our measured error, no account needed.

The market around this home

Detached houses in Middlesex Centre332 sales over the last five years. Too few sold in this community to chart it on its own, so this is the whole city.

Median sold priceWhat comparable homes actually sold for
$726k$1.09M$1.46M20252026this home’s asking price
$865klatest quarter · hover to read any
Sold vs askingAbove 100% means bidding wars were normal
96%98%100%20252026the asking price
98%latest quarter · hover to read any
Days to sellMedian days on market before the deal closed
-1d18d36d20252026
26dlatest quarter · hover to read any
How these are built, and what they cannot tell you

Each point is the median of the sales that closed in that quarter among detached houses in middlesex centre. A quarter with fewer than eight is left out rather than drawn, and the line breaks where that happens — a median over three sales is really one home’s price, and joining across a gap would draw a number nobody measured.

This is not an estimate of what this home is worth. The segment is a property type in an area; it takes no account of this home’s size, condition, renovations, lot, exposure or how it compares to its neighbours, and half the homes in any quarter sold for more than the median and half for less. It is context for a conversation with an agent, not a valuation.

Toronto Regional Real Estate Board closed transactions. Deemed reliable but not guaranteed accurate by PropTx.

This neighbourhood

Statistics Canada 2021 Census, for the surrounding few blocks — about 582 people.

$121,000Median household income
88.6%Own their home
92.7%Detached houses
44.8Median age
8.8%Born outside Canada
27.8%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35390743 — the few blocks around this address, home to 582 people. It describes the area, not this property.

582Population
43.2Average age
2.8Household size
$141,000Average household income
$121,000Median household income
89%Own their home
11%Rent
0%Condominiums
9%Born outside Canada
28%University degree
$750,000Average home value
4%Low income
51%Not in the labour force
23%Never married
$20,000 to $24,9995%
$25,000 to $29,9992%
$50,000 to $59,9993%
$60,000 to $69,9993%
$70,000 to $79,9993%
$80,000 to $89,9995%
$90,000 to $99,9993%
$100,000 and over38%
$100,000 to $124,9998%
$125,000 to $149,9998%
$150,000 to $199,99912%
$200,000 and over11%

Percentages are of the 325 responses in this category. Statistics Canada rounds counts and withholds small ones to keep individuals unidentifiable, so categories with too few people to publish are absent rather than shown as zero.

Source: Statistics Canada, 2021 Census of Population. Contains information licensed under the Open Government Licence – Canada.

Work out the numbers

Everything below is calculated in your browser from figures you can change. Nothing is sent anywhere.

$289,800 · minimum here is $119,900
$6,415.86per month
Borrowed before insurance$1,159,200
Total borrowed$1,159,200
Interest over 25 years at 4.5%$765,558

If you rented it out

-$6,983.94per month out of pocket
Rent$0.00
Everything it costs to hold$6,983.94
How this is calculated, and what it leaves out

Canadian fixed-rate mortgages compound semi-annually, not monthly, so the monthly rate here is (1 + rate/2)1/6 − 1. Most calculators use rate ÷ 12, which is the American convention and overstates the payment by tens of dollars a month.

Below 20% down, default insurance is mandatory and is added to the loan rather than paid at closing: 2.80% at 85% loan-to-value, 3.10% at 90%, 4.00% at 95%. It is unavailable at or above $1.5M, which is why 20% is a hard floor there.

Not included: vacancy, property management, capital repairs, income tax, and the fact that a lender qualifies you at a stress-test rate rather than the one you are quoted. This is arithmetic on the numbers above, not a mortgage approval or an opinion of what you can afford.

Listed by ROYAL LEPAGE TRILAND REALTY. Listing data provided by the Toronto Regional Real Estate Board.