$689,900 - 109 Elgin Street, Clarington
Detached for Sale in Clarington
Popular ListingNeighbourhood: Bowmanville
- MLS Number
- E13670696
- Property Type
- Detached
- Status
- active
- Days on Site
- 10
- Bedrooms
- 3
- Bathrooms
- 2
- Square Feet
- 700 - 1,099 sqft
- Neighbourhood
- Clarington
- Listing Brokerage
- RE/MAX ROUGE RIVER REALTY LTD.
A fully renovated bungalow in downtown Bowmanville, offering the kind of single-level living that appeals to downsizers, first-time buyers, and anyone looking to simplify without giving up space or style. The main floor is open concept, with the living and dining rooms flowing into one another to create a bright, easy layout for everyday living or entertaining.The kitchen has been fully updated with quartz countertops, a Jenn-Air downdraft stove, and a built-in wine rack - a functional, well-finished space for anyone who spends real time cooking. The primary bedroom includes double closets, giving both storage and flexibility that older bungalows in this price range don't always offer.A separate entrance leads down to a finished basement, where large windows bring in far more natural light than the typical lower level. Whether the space is used as a rec room, a home office, guest quarters, or an in-law suite, the separate access adds real versatility to how the home can be used. The garage/workshop is a great addition to this home only one year old. Located in the heart of Bowmanville, the property is within easy reach of the downtown core's shops, restaurants, with quick access to Highway 401 and GO Transit for commuters heading toward Oshawa or Toronto. It's a well-cared-for home in an established, walkable part of town - updated where it counts, and ready to move into.
Estimate your monthly payments for this property
Estimated Payment
$3,539.54/mo
Includes CMHC insurance ($19,248)
5-yr fixed avg.
Rates shown are estimates based on typical Ontario 5-year fixed rates. Canadian mortgages use semi-annual compounding as required by law. CMHC insurance applies to purchases under $1.5M with less than 20% down. Estimated property tax uses an approximate 0.85% rate. Contact us for current rate options and pre-approval.
Discover Bowmanville
Bowmanville is a vibrant community in the Greater Toronto Area, offering excellent amenities, schools, and transportation options. This area is popular with families and professionals seeking a balanced lifestyle with access to urban conveniences and natural spaces.
Why Live in Bowmanville
- •Convenient location in Clarington
- •Access to local shops and dining
- •Good public transit connections
- •Community parks and green spaces
- •Well-maintained neighbourhoods
Nearby Schools
Transit & Commuting
- •MiWay bus routes throughout the area
- •GO Transit stations within driving distance
- •Easy highway access to 401/403/QEW
- •Walking distance to local amenities
Parks & Amenities
- •Local parks and recreational facilities
- •Community centres
- •Shopping plazas nearby
- •Restaurants and cafes
Lifestyle & Community
Bowmanville offers a wonderful quality of life with a mix of residential charm and urban convenience. Residents enjoy easy access to schools, parks, and shopping, making it an ideal location for families and professionals alike.
109 Elgin Street, Clarington
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Monthly Cash Flow Breakdown
Note: These are estimates only. Actual figures may vary based on market conditions, property condition, and other factors. Consult with a financial advisor for personalized advice.
Joe's Thoughts
Honest perspective from 30+ years of GTA real estate experience
Fair Market Value
At $986/sqft, this property is priced in line with current Clarington market conditions. The pricing suggests the seller has done their homework. We may have modest room for negotiation, typically 2-4% in today's market.
Detached Home Advantages
Detached homes in Clarington are increasingly scarce and valuable. You'll have no shared walls, full control over renovations, and typically stronger appreciation. Consider the lot size and potential for future additions or basement apartment income. Detached homes also offer the most flexibility for growing families.
Efficient Living
At 700 sqft, this is a more compact space. The upside: lower utility bills, less maintenance, and easier cleaning. Consider how you'll use the space - built-in storage, multi-functional furniture, and good organization become important. Great for singles, couples, or those who prefer a low-maintenance lifestyle.
Starter Home Potential
3 bedrooms works well for couples planning families or small families with one child. Consider whether you might outgrow the space in 5-7 years. If so, factor in potential moving costs when making your decision. Alternatively, some buyers convert a bedroom to an office and make it work long-term.
About Bowmanville
I know Bowmanville well from working with many buyers and sellers here. Each pocket has its own character - let me share what I've learned about this specific street and block. During our showing, I'll point out local amenities, school catchments, and what similar homes have sold for recently.
Investment Perspective
Looking at this as an investment: Clarington properties have averaged 5-7% annual appreciation over the past decade. Your estimated monthly carrying costs would be around $2,875 (mortgage, taxes, insurance). Consider whether you're comfortable with this as both a home and a financial commitment.