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Property Type: Detached HouseOwnership: Freehold
22 SOPHIA Street
Elora, ON N0B1S0
MLS® 40851415
$1,049,900
3 bed2.5 bath4 parking1,837 sqft
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 3
- Frontage
- 99 feet
R3
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $4,722
Interior
- Basement
- None
- Heating
- Natural gas
- Cooling / A/C
- Central air conditioning
- Fireplace
- Yes (1)
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| 4pc Bathroom | Second level | — |
| 2pc Bathroom | Main level | — |
| Bedroom | Second level | 12'11'' x 8'11'' |
| Primary Bedroom | Second level | 10'2'' x 15'6'' |
| Bedroom | Third level | 19'3'' x 15'1'' |
| Sunroom | Main level | 8'2'' x 18'8'' |
| Living room | Main level | 13'7'' x 14'1'' |
| Kitchen | Main level | 13'2'' x 10'5'' |
| Dining room | Main level | 13'2'' x 8'5'' |
| Family room | Main level | 13'8'' x 15'3'' |
| Foyer | Main level | 16'10'' x 4'1'' |
Description
Beautiful Century Stone Home on a Huge Lot in Old Town Elora! Welcome to 22 Sophia Street! This 3 storey stone home is an absolute head-turner! Come through the enclosed front porch (the perfect space for relaxing or welcoming guests) into a generous hallway, a large reception room and a formal dining room, all with original pine floors, large windows and period trim. Further down the hall you enter the real Heart-of-the Home: the massive and recently renovated kitchen with dinette area. You will love the huge and well-appointed cooking area, updated cabinets, countertops and fixtures. Completing the main floor is a 2 piece bath and a handy laundry room/pantry. On the second level you will find the period flooring continuing through a primary bedroom (formerly two smaller rooms, now combined), a 4 piece nicely updated family bathroom, and a generous spare bedroom. Up another level to the 3rd storey, you will find a huge 3rd bedroom with walk-in closet and skylight. This space is currently set up as an office, but offers myriad possibilities. Outside, this property is magnificent. Situated on a massive, 14,000 + sq ft lot, this property has beautiful gardens, mature trees, a lovely and functional patio with hot tub, and privacy galore! Who needs a cottage when you have a property like this? The property is also furnished with a detached one car garage with an extra work-space or studio and stairs leading to a large storage area. It could be converted to a 2 car garage. This really is the complete package: a historic, beautifully maintained house on a stunning oversized lot, all just a short walk to beautiful downtown Elora, and a short drive to Guelph and K/W. Opportunities to own properties of this stature in this location do not present themselves often. Don't Delay on this one. Book Your Showing Today! (id:63159)
Listing Information
- MLS®
- 40851415
- Data last synced
- September 15, 2026
Keller Williams Home Group Realty, Brokerage
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Keller Williams Home Group Realty, Brokerage
MLS® Number: 40851415
Listing data is sourced from CREA DDF®, the Canadian Real Estate Association (CREA) Data Distribution Facility. Listing information is deemed reliable but is not guaranteed accurate by CREA or the listing brokerage. Data provided courtesy of Cornerstone Association of REALTORS®.
Values & Trends
This listing
$572/sqft
Building average
—
No other active listings in this building
54 - Elora/Salem average
$394/sqft
8 active listing(s)
Parking: 4 stall(s) includedStorage locker: Not indicated
Per-stall/locker dollar values aren't itemized in our data source — shown as included/not indicated only, not a fabricated estimate. $/sqft averages are computed live from other active listings, not a third-party model.
Location Insights
Weather
Nearest station: Guelph
5°C
—
Humidity 95%
Wind NNE calm km/h
Tonight
6°
Thursday
19°
Thursday night
6°
Friday
12°
Friday night
-2°
Saturday
14°
Source: Environment and Climate Change Canada.
Nearby Places
Restaurants (5+)
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Mortgage & Ownership Cost Calculator
Minimum required: 7.6% ($79,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$839,920.00
Periodic payment — Principal & Interest (monthly)$5,418.88
Additional monthly expenses (condo fees, tax, utilities, etc.)$485.50
Total monthly cost$5,904.38
Interest paid over 5-yr term$240,723.49
Balance at end of term$755,510.76
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$79,990
Stress test qualifying rate8.19%
Payment you must qualify for$7,520.43
Cash Needed at Closing
Minimum down payment$79,990
Estimated Land Transfer Tax (LTT)$17,473
Legal / closing costs (typical estimate)$1,500
Total cash needed$98,963
Minimum down payment: 5% on the first $500,000, 10% on the portion up to $1.5M, 20% at/above $1.5M. Stress test: OSFI's minimum qualifying rate, the greater of contract rate + 2% or 5.25% — this is what lenders require you to qualify at, not what you'll actually pay. Closing costs are a typical-range estimate, not a quote — actual legal fees vary. Land Transfer Tax is the Ontario provincial schedule, before any first-time buyer refund; only the City of Toronto charges a municipal land transfer tax on top, so none applies in the areas this site covers (Ontario Ministry of Finance, ontario.ca/document/land-transfer-tax, as of October 28, 2026). Verify all figures with a mortgage broker and lawyer before relying on them.