301 Thames Street, Ingersoll, ON

$549,900
MLS#:X13500904
3 beds
2 baths
1100-1500 sqft
4.0 parking
Residential Freehold
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Property Highlights

Welcome to this remarkable 1 1/2 Storey detached located in the coveted neighborhood of Ingersoll - South. Expertly crafted featuring premium vinyl siding construction, this residence presents an exceptional opportunity offered at $549,900 to acquire a beautiful home in a highly sought-after setting. Designed for both comfortable daily living and elegant entertaining, the layout maximizes natural light, functional flow, and lifestyle utility.

  • 3 Bedrooms and 2 Bathrooms
  • Generous living space spanning 1100-1500 sqft on a premium 83.3 x 259.7 ft lot
  • Features a unfinished, walk-out basement, adding superb versatility for recreation, a home gym, or extra storage
  • 4.0 total parking spaces available
  • Notable attributes: Water Softener
  • equipped with wall unit(s) central cooling and highly efficient radiant heating via gas

Description

Character, space, and a backyard that backs onto Smith Pond Park - this is the one people talk about after the showing. Built in 1900 and set on just under half an acre in south Ingersoll, 301 Thames St S delivers original charm at every turn: dark wood trim, hardwood floors, a stained glass transom, and a covered front porch that invites you to slow down.The main floor flows easily between living room, dining room, and a well-appointed kitchen featuring white cabinets, subway tile backsplash, decorative ceiling, and a sage green island with granite top and beverage fridge. The open pass-through keeps the spaces connected without losing their definition. Two bedrooms and an updated 4-piece bath with heated floors round out the main level, with hardwood floors and the home's original wood casings carrying throughout.Upstairs, the generous primary bedroom includes office space, a 2-piece ensuite, and updated spray foam insulation keeping things comfortable year-round. The beautiful woodwork up here is worth seeing in person.Step out to the back deck with pergola and string lights - a great spot to unwind while taking in the deep, tree-lined yard with fire pit area, all backing directly onto Smith Pond Park. Privacy and greenspace without leaving town. The unfinished walk-out basement adds practical storage and real future potential for additional living space.Gas radiant heat, two ductless split A/C units, water softener, metal roof. Inclusions: fridge, stove, dishwasher, gas BBQ, beverage fridge, window coverings. No rental items. 4 parking spaces. Flexible possession.

Upcoming Open Houses

Saturday, July 4, 202612:00 PM - 2:00 PMPublic

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Key Features

Bedrooms
3
Bathrooms
2
Kitchens
1
Living Area
1100-1500 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
Listed Date6/29/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural Style1 1/2 Storey
ConstructionVinyl Siding
BasementUnfinished, Walk-Out
Lot Size83.3 × 259.7 Feet
CountyOxford
Annual Tax$3,352.88
Legal DescriptionLT 8 E/S THAMES ST BLK 64 PL 279; PT LT 7 E/S THAMES ST BLK 64 PL 279; PT BLK A E/S THAMES ST BLK 64 PL 279 AS IN 453158 TOWN OF INGERSOLL

Parking & Garage

Parking Spaces4.0
Garage Spaces4
Garage TypeNone

Heating & Cooling

Heat SourceGas
Heat TypeRadiant
CoolingWall Unit(s)

Features

Property Features

Interior Features

Water Softener

Security Features

Community Features

Location

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301 Thames Street, Ingersoll, ON
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Property History

No historical data available for this property.

This could be the first listing for this address.

Pricing & Value Insights

Data-driven valuation for 301 Thames Street S, Ingersoll, ON N5C 2T8

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

Market Speed
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Mortgage & Affordability Audit

Calculate your monthly payment, minimum downpayment, and land transfer taxes for this home in Ingersoll.

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Interest Rate5.25%
Down Payment$29,990 (5.5%)
* Minimum Canadian down payment required for this price is $29,990.
Amortization Period25 Years
Estimated Monthly Payment$3,098Based on a loan of $519,910 over 25 years.
Purchase Price$549,900
Loan Amount$519,910
Provincial Land Transfer Tax:$7,473
Total Estimated Closing Taxes:$7,473

About Purchasing a Home in Ingersoll, ON

For a property listed at $549,900 in Ingersoll, the legal minimum down payment is $29,990 under current Canadian banking regulations. This calculation applies a 5% requirement on the first $500,000, 10% on the next $499,999, and a flat 20% on any amount exceeding $1,000,000.

Additionally, buyers in Ontario must budget for the Provincial Land Transfer Tax, which is estimated at $7,473 for this transaction. As this listing is in Ingersoll (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $7,473.

Nearby Listings

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No current listings found in Ingersoll.

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City & Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for Ingersoll.

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$603,847

People & Families

Age Distribution

Household Composition

One-person households
25%
Families with children
50%
Couples without children
24%
Other households
0%

Top Ethnic Origins

Chinese11%
English9%
Indian9%
Irish8%

Local Schools Guide

Elementary Schools

Laurie Hawkins
Public156 Innes Street, Ingersoll, Ontario, N5C 2R8
3.9
St Jude's
Public30 Caffyn Street, Ingersoll, Ontario, N5C 3T9
6.0

Secondary Schools

Ingersoll District
Public37 Alma Street, Ingersoll, Ontario, N5C 1N1
5.3

Homes & Housing

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied65%
Rented35%

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Notice: Market Insights are generated by analyzing real-time data and should be used for informational purposes only. Consult with a licensed professional for exact valuations.

Disclaimer: AI Insights are generated by an automated system and should be used for informational purposes only. While we strive for accuracy using current market data and deep-learning models, these assessments do not constitute professional real estate, legal, or financial advice. All property values, predictions, and scores are estimates. We strongly recommend verifying all property details and conducting independent due diligence with a licensed professional before making any purchase decisions.