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49 Talbot Street E, Chatham-Kent, ON N0P 1A0

4 beds · 2 baths · 1 kitchen · 8 rooms · 4 parking spaces · 1500-2000 sq ft · Detached
$469,900
Property tax
$2,732 / year

Built in 1944, this character-filled 1,990 sq. ft. two-storey home blends timeless craftsmanship with thoughtful updates. Featuring 4 bedrooms, including 3 upstairs and 1 on the main floor, plus 1.5 baths, the home showcases beautifully preserved original wood floors, natural wood doors, staircase trim, fresh paint, select plumbing upgrades, and some newer windows. Comfort upgrades include an 18,000 BTU mini-split on the main floor and a 9,000 BTU unit upstairs, along with charcoal water filtration and a water softener. The unfinished basement provides excellent flexibility with laundry, storage, recreation space, and a 240V-wired workshop area. Outside, enjoy the south-facing covered porch, new front steps, and detached garage shared with the neighbouring property. Conveniently located near shopping, schools, parks, beaches, recreation, and a pharmacy, this distinctive home is filled with warmth, craftsmanship, and beautifully preserved vintage character.

MLS number
X13696304
Type
Detached
Status
Active
Bedrooms
4
Bathrooms
2
Postal code
N0P 1A0
Photos
9
Laundry
Not in the unit
23days · 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

No previous listings found for this address.

Where this property is

Where this address sits, matched against open government data.

Estimated from the house-number range along this road: the right block of the right street, not the exact building. No address file publishes this house.

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 Chatham-Kent — 126 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
$334k$403k$473k20252026this home’s asking price
$395klatest quarter · hover to read any
Sold vs askingAbove 100% means bidding wars were normal
95%97%100%20252026the asking price
96%latest quarter · hover to read any
Days to sellMedian days on market before the deal closed
-1d23d48d20252026
28dlatest 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 chatham-kent. 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 667 people.

$63,600Median household income
82.4%Own their home
96.8%Detached houses
50.8Median age
13.1%Born outside Canada
18.4%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35360178 — the few blocks around this address, home to 667 people. It describes the area, not this property.

667Population
44.8Average age
2.1Household size
$68,000Average household income
$63,600Median household income
82%Own their home
18%Rent
0%Condominiums
13%Born outside Canada
18%University degree
$312,000Average home value
15%Low income
22%Never married
$10,000 to $14,9991%
$15,000 to $19,9993%
$20,000 to $24,9994%
$25,000 to $29,9994%
$30,000 to $34,9993%
$35,000 to $39,9995%
$40,000 to $44,9995%
$45,000 to $49,9995%
$50,000 to $59,9998%
$60,000 to $69,9998%
$70,000 to $79,9995%
$80,000 to $89,9994%
$90,000 to $99,9994%
$100,000 and over22%
$100,000 to $124,9998%
$125,000 to $149,9995%
$150,000 to $199,9994%
$200,000 and over1%

Percentages are of the 380 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.

$93,980 · minimum here is $23,495
$2,080.62per month
Borrowed before insurance$375,920
Total borrowed$375,920
Interest over 25 years at 4.5%$248,265

If you rented it out

-$2,308.28per month out of pocket
Rent$0.00
Everything it costs to hold$2,308.28
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 COMFREE. Listing data provided by the Toronto Regional Real Estate Board.