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45 Peggy Avenue, South-West Oxford, ON N0J 1N0

4+2 beds · 4 baths · 1 kitchen · 16 rooms · 6 parking spaces · 2000-2500 sq ft · Detached
$875,000
Property tax
$4,780 / year

Welcome to 45 Peggy Ave, Mt. Elgin! This beautiful Essex Model by Scott Stewart Construction offers 3200 sqft plus living space including 4+2 spacious bedrooms, 3+1 bathrooms, and a bright open-concept layout filled with natural light. The modern kitchen features white cabinetry, a charcoal island, and quartz countertops, while the great room showcases engineered hardwood flooring and an electric fireplace feature wall. The upper level includes a large primary suite with walk-in closet and ensuite, three additional bedrooms, a full bathroom, and a convenient second-floor laundry room. Additional highlights include an insulated 3-car garage, mudroom with built-in cubbies, a 15.6' x 11.7'wood deck, and a fully sodded oversized backyard. Located in the growing Meadowlands community, just minutes from Tillsonburg, Ingersoll, Highway401, and Oxford Hills Golf Club, this home offers the perfect blend of comfort, style, and convenience.

MLS number
X13725986
Type
Detached
Status
Active
Bedrooms
6
Bathrooms
4
Postal code
N0J 1N0
Photos
50
12days · this listing
94days · this property (2 listings)

This home has been listed 2 times in the last two years. "This property" adds up the days each of those listings was actually on the market before being withdrawn, suspended or expiring — the quiet months between them are not counted.

Listing history

94 days on the market across 2 listings
This listing shows 12 days on its own. The counter restarts each time a property is relisted, so the total above is how long it has actually been for sale. Time when it was off the market is not counted.

This address has been listed 2 times.

Sale history is for registered usersSee what this address sold for and when, across all 2 listings. Free account — the board’s rules require one before sold data can be shown.Create a free account

Where this home 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.

This neighbourhood

Statistics Canada 2021 Census, for the surrounding few blocks — about 853 people.

$120,000Median household income
84.1%Own their home
96.4%Detached houses
38Median age
12.9%Born outside Canada
10.1%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35320268 — the few blocks around this address, home to 853 people. It describes the area, not this property.

853Population
37.6Average age
3.1Household size
$131,000Average household income
$120,000Median household income
84%Own their home
16%Rent
0%Condominiums
13%Born outside Canada
10%University degree
$685,000Average home value
8%Low income
36%Not in the labour force
21%Never married
$20,000 to $24,9991%
$25,000 to $29,9991%
$35,000 to $39,9991%
$40,000 to $44,9991%
$45,000 to $49,9991%
$50,000 to $59,9991%
$60,000 to $69,9993%
$70,000 to $79,9993%
$80,000 to $89,9993%
$90,000 to $99,9993%
$100,000 and over38%
$100,000 to $124,9999%
$125,000 to $149,99912%
$150,000 to $199,99912%
$200,000 and over8%

Percentages are of the 430 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.

$175,000 · minimum here is $62,500
$3,874.31per month
Borrowed before insurance$700,000
Total borrowed$700,000
Interest over 25 years at 4.5%$462,293

If you rented it out

Monthly rent starts from a rule of thumb — two per cent of the asking price a year — because no comparable lease was found nearby. Change it to anything you like.

-$2,814.64per month out of pocket
Rent$1,458.00
Everything it costs to hold$4,272.64
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 RE/MAX REALTY SPECIALISTS INC.. Listing data provided by the Toronto Regional Real Estate Board.