28 Elgin Street, Northern Bruce Peninsula, ON

$1,385,000
MLS#:X13417836
4 beds
3 baths
2500-3000 sqft
8.0 parking
Residential Freehold
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Added:Jun 8, 2026(82 days ago)
Updated:Jul 28, 2026(32 days ago)
Last Checked:16 minutes ago

Property Highlights

Welcome to this remarkable 2-Storey detached located in the coveted neighborhood of Northern Bruce Peninsula. Expertly crafted featuring premium stone construction, this residence presents an exceptional opportunity offered at $1,385,000 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.

  • 4 Bedrooms and 3 Bathrooms
  • Generous living space spanning 2500-3000 sqft on a premium 200 x 557 ft lot
  • Features a crawl space basement, adding superb versatility for recreation, a home gym, or extra storage
  • 8.0 total parking spaces available with a convenient attached configuration
  • Notable attributes: Atrium, Built-In Oven, Central Vacuum
  • Efficient forced air heating via propane

Description

Located on the North-shore of Tobermory, this stunning 2-acre property is an oasis waiting for you! Offering over 200ft of clean, rocky shoreline on Georgian Bay, a large pond, gardens and various outdoor sitting areas, there are many areas to entertain and relax. Listen to the sound of the waves along the shoreline as you watch the boats go by to the islands. Enjoy a campfire by the pond, or a picnic with the grandchildren. The 12'x16' garage nearby offers great storage for water toys or gardening tools. There are various water taps throughout the property for ease! Sitting proudly atop the escarpment, the 4-season residence features 4 bedrooms, 2.5 bathrooms and 2,979sq.ft. of living space. Enter the tiled foyer and hang up your coat in the mudroom. The attached 2-car garage provides direct access to the home, and a potential workshop, currently used as an office. A great room welcomes you in as you, featuring a solarium and propane fireplace. A secondary family room offers a great play space or home gym. The custom kitchen features SS appliances, pull-out drawers, undercabinet lighting, a breakfast bar and granite countertops. Open to the dining room, you are afforded stunning lake views, and access to the water-side patio with built-in seating and a BBQ station. Inside, an oversized laundry room doubles as a pantry, while a 2Pc bathroom and main-floor bedroom round out the main level. Climb the stairs to the loft and enjoy elevated views of Georgian Bay from the library. The Primary suite offers a 3Pc ensuite, WIC as well as private deck. Two additional large bedrooms share a 4Pc family bathroom. Outside, the 20'x30' detached garage provides more room for guests with the upper level bunkie! The lower level is insulated and RI for in-floor heating. Enjoy hiking the Bruce Trail, visiting local shops, strolling the public beaches or scuba diving the clear waters of Georgian Bay and Lake Huron. Opportunity awaits on Georgian Bay, sited minutes to Tobermory!

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Property Summary

This detached home located at 28 Elgin Street, Northern Bruce Peninsula is currently for sale and has been available on SousaSells for 82 days. This property is listed at $1,385,000 with an estimated mortgage of $4,610* per month. It has 4 beds, 3 bathrooms, and is 2500-3000 square feet. 28 Elgin Street, Northern Bruce Peninsula is in the Northern Bruce Peninsula neighborhood.

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* Estimated mortgage assumes a 30% down payment, 4.00% interest rate, and 30-year amortization.
Is this a Good Home for Families?

Yes! Featuring 4 bedrooms and 3 bathrooms, this home offers ample space and comfort for growing families in Northern Bruce Peninsula, Northern Bruce Peninsula.

Highly Recommended for Families
What We Love About This Home
  • •4 spacious bedroom layout offering versatile living space
  • •3 well-appointed bathrooms
  • •2500-3000 sqft of generous functional square footage
Standout Features & Layout
Who Should Buy This Home?

Growing families needing multi-bedroom flexibility and space in Northern Bruce Peninsula, Northern Bruce Peninsula.

Target Buyer Match

Key Features

Bedrooms
4
Bathrooms
3
Kitchens
1
Living Area
2500-3000 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
AddedJun 8, 2026 (82 days ago)
UpdatedJul 28, 2026 (32 days ago)
Last Checked16 minutes ago
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural Style2-Storey
ConstructionStone
BasementCrawl Space
Lot Size200 Ă— 557 Feet
CountyBruce
Annual Tax$13,032.94
Legal DescriptionPT FARM LT 5 E/S BURY RD PL BURY PT 2 & 3, 3R2483 S/T R169328; NORTHERN BRUCE PENINSULA

Parking & Garage

Parking Total8.0
Parking Space4
Garage TypeAttached

Heating & Cooling

Heat SourcePropane
Heat TypeForced Air
CoolingNone

Features

Property Features

  • Lake Access
  • Lake/Pond
  • Part Cleared
  • School
  • Sloping
  • Waterfront

Interior Features

  • Atrium
  • Built-In Oven
  • Central Vacuum
  • Water Heater Owned
  • Water Treatment

Security Features

  • Carbon Monoxide Detectors
  • Smoke Detector

Community Features

None listed

Frequently Asked Questions about 28 Elgin Street, Northern Bruce Peninsula, ON

Q.What is the asking price for 28 Elgin Street, Northern Bruce Peninsula, ON ?

The current listing price for 28 Elgin Street, Northern Bruce Peninsula, ON in Northern Bruce Peninsula, Northern Bruce Peninsula is $1,385,000.

Q.How many bedrooms and bathrooms does this property have?

This property features 4 bedrooms and 3 bathrooms across approximately 2500-3000 sqft.

Q.What property type and architectural style is 28 Elgin Street, Northern Bruce Peninsula, ON ?

28 Elgin Street, Northern Bruce Peninsula, ON is a Detached (2-Storey) featuring a Crawl Space basement.

Q.What key property features does 28 Elgin Street, Northern Bruce Peninsula, ON offer?

Key property features include: Lake Access, Lake/Pond, Part Cleared, School, Sloping, Waterfront.

Q.What interior features are included in this home?

Interior highlights include: Atrium, Built-In Oven, Central Vacuum, Water Heater Owned, Water Treatment.

Q.What security features are installed at 28 Elgin Street, Northern Bruce Peninsula, ON ?

Security features include: Carbon Monoxide Detectors, Smoke Detector.

Q.Is parking available at this property?

Yes, this property offers parking space for 8.0 vehicles (Attached).

Q.What heating and cooling systems are installed?

Heating is provided via Propane and cooling via None.

Location

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28 Elgin Street, Northern Bruce Peninsula, ON

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Neighborhood Safety Index

Neighborhood Safety & Crime Analytics

Northern Bruce Peninsula, Northern Bruce Peninsula

SAFETY RATING9.4 / 10
Low Incident Area
Total Annual Incidents35 incidents / yr
Average Per Month2.9 incidents / mo
Population BenchmarkArea Average residents
Personal Safety
Very Low

8 assaults (30.0/100k)

Property Security
Very Low

8 B&E (30.0/100k)

Auto Theft Risk
Low Risk

10 thefts (35.0/100k)

1-Year Trend
â–Ľ 6%

Improving vs previous year

How Per-Capita Rate (Per 100,000 Residents) Is Calculated:

Formula: (Annual Occurrences / Population) Ă— 100,000. This standard policing calculation normalizes incident frequencies across different population sizes, allowing accurate safety comparisons between quiet residential pockets and dense urban centres.

Source: Official Police Services ArcGIS Open Data
Halton & GTHA Police Network

Disclaimer: Crime and safety analytics are compiled from official municipal and regional police open data records for general consumer informational and demographic research purposes only. Data is deemed reliable but is not guaranteed and does not constitute a legal representation or guarantee of future safety.

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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 28 Elgin Street, Northern Bruce Peninsula, ON N0H 2R0

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

Market Speed
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Properties in this area are selling at a steady pace.

Market Trend
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Mortgage & Affordability Audit

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

Configure Loan Settings

Interest Rate4.00%
Down Payment$415,500 (30.0%)
* Minimum Canadian down payment required for this price is $277,000.
Amortization Period30 Years
Estimated Monthly Payment$4,610Based on a loan of $969,500 over 30 years.
Purchase Price$1,385,000
Loan Amount$969,500
Provincial Land Transfer Tax:$24,175
Total Estimated Closing Taxes:$24,175

About Purchasing a Home in Northern Bruce Peninsula, ON

For a property listed at $1,385,000 in Northern Bruce Peninsula, the legal minimum down payment is $277,000 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 $24,175 for this transaction. As this listing is in Northern Bruce Peninsula (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $24,175.

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Northern Bruce Peninsula, Northern Bruce Peninsula Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for Northern Bruce Peninsula, Northern Bruce Peninsula.

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$723,073

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%

Best Schools in Northern Bruce Peninsula, Northern Bruce Peninsula

Elementary Schools

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Secondary Schools

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Northern Bruce Peninsula, Northern Bruce Peninsula Demographic Home information

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied65%
Rented35%

Need more details or a custom CMA?

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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.

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