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Property Type: Detached HouseOwnership: Freehold
2990 LOBSINGER LINE
Woolwich, ON N0B2M1
MLS® X13836110
$524,900
2 bed1 bath3 parking
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 1.5
- Lot size
- 44.5 x 127.5 FT
- Frontage
- 44.6 feet
R
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,264 (2025)
Interior
- Basement
- Unfinished, Partial
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Dining room | Main level | — |
| Kitchen | Main level | — |
| Living room | Main level | — |
| Office | Main level | — |
| Den | Second level | — |
| Bedroom 2 | Second level | — |
| Bedroom | Second level | — |
| Bathroom | Second level | — |
Description
Full of character and possibility, this 1.5-storey century home is located in the desirable village of Heidelberg, just minutes from St. Jacobs and Waterloo. The upper level currently offers two bedrooms, with the original 3 bedroom layout partially opened into one a larger space between two bedrooms that could be enclosed again. A main-floor den (previously used as a bedroom), adds even more flexibility. The large open concept kitchen and dining room are the perfect place for holiday dinners or gathering after school or work. The sunken living room is bright and sunny, leading outside to a fenced yard with a deck and an oversized detached garage (with separate panel in 2021) offering abundant space for storage, woodworking, a home gym or hobbies. With the roof already replaced (2024/2026), plumping updated and plenty of opportunity for further updates (some newer windows, furnace/AC 2019, Water Softener 2021, some newer windows 2019) to add your own finishing touches, this is a wonderful chance to personalize a character home in a sought-after location close to lots of amenities while still keeping that small town feel. (id:63161)
Listing Information
- MLS®
- X13836110
- Tax assessment year
- 2025
- Data last synced
- October 23, 2026
Red And White Realty Inc
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Red And White Realty Inc
MLS® Number: X13836110
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 OnePoint Association of REALTORS®.
Values & Trends
This listing
—
Building average
—
No other active listings in this building
Woolwich average
$567/sqft
3 active listing(s)
Parking: 3 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.
Population
26,999
(2021 Census)
+8% since 2016
Density: 82.7/km²
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Mortgage & Ownership Cost Calculator
Minimum required: 5.2% ($27,490) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$419,920.00
Periodic payment — Principal & Interest (monthly)$2,709.18
Additional monthly expenses (condo fees, tax, utilities, etc.)$272.00
Total monthly cost$2,981.18
Interest paid over 5-yr term$120,350.28
Balance at end of term$377,719.40
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$27,490
Stress test qualifying rate8.19%
Payment you must qualify for$3,856.79
Cash Needed at Closing
Minimum down payment$27,490
Estimated Land Transfer Tax (LTT)$6,973
Legal / closing costs (typical estimate)$1,500
Total cash needed$35,963
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.
