431 Albert Street · Exeter, N0M 1S1
MLS® X13801168
Listed Sep 18, 2026
Listing courtesy of Sutton Group - Select Realty·Listing last changed 5 days ago
Key facts
- Property type
- Detached
- Square footage
- 2,000-2,500 sqft
- Lot size
- 92.88 × 141.83 ft · < 0.50 acres
- Age
- 100+ years
- Parking
- 5 spaces
- Property tax
- $5,331/yr (2025)
Description
The Benjamin O'Neil House represents something increasingly difficult to find: an older home with genuine character, craftsmanship and a story of its own, thoughtfully renovated for modern living. Original 8.5 ft front doors, rich red pine floors, soaring ceilings, intricate plaster medallions, substantial heritage trim, transom and oversized windows create an atmosphere that is not easily reproduced in a new home. The principal living and dining rooms retain the elegance expected of a home of this era, while the redesigned kitchen introduces a contemporary standard of living. Upstairs, three bedrooms provide tranquility and privacy. The primary suite is lovely with its own sitting room offering a private place to read, relax or simply enjoy. The beautifully finished bathroom continues the property's blend of old and new with spa-like heated floors, a classic clawfoot tub and an impressive 7 ft glass shower. A finished lower level adds an entirely different dimension: a spacious guest room, bathroom, and rec area with an 85 inch theatre screen, heated office floor and a hidden speakeasy-inspired wine room. Outside, the covered porches provide the transitional spaces that make older homes so enjoyable-places for a morning beverage, to gather with friends or watch the seasons change. This property has been transformed into a private four season destination, with an expansive Wolf high density deck, outdoor kitchen, hot tub and a 16 ft x 16 ft pavilion centred around a stone fireplace. Perhaps the greatest appeal is not having to choose between character and convenience. The original craftsmanship and history remain. The architectural details that give an older home its soul remain, but the major improvements have already been undertaken. Located approximately 40 minutes from London and Stratford, and a 20 minute drive to the Lake Huron shoreline, step away from the ordinary and into a home that feels established, personal and enduring.
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Property details
Interior
- Size
- 2,000-2,500 sqft
- Rooms
- 17 rooms
- Bathrooms
- 1 × 4-piece on Upper, 1 × 3-piece on Basement, 1 × 2-piece on Main
- Basement
- Full, Partially Finished
- Heating
- Forced Air
- Cooling
- Central Air
Building & lot
- Type
- Detached, 2-Storey
- Age
- 100+ years
- Lot size
- 92.88 × 141.83 ft · < 0.50 acres
- Exterior
- Brick, Other
- Foundation
- Brick, Poured Concrete
- Roof
- Asphalt Shingle
- Water & sewer
- Sewer
Parking
- Garage
- 2 car Attached
- Driveway
- Private (3 spaces)
- Parking
- 5 spaces
Fees & taxes
- Property tax
- $5,331/yr (2025)
Rooms
Main
- Office
- 1.96 × 8.34 m
- Sitting
- 3.26 × 3.34 m
- Dining Room
- 6.76 × 4.31 m
- Kitchen
- 5.23 × 4.55 m
- Living Room
- 4.53 × 4.59 m
Upper
- Bedroom 2
- 4.4 × 3 m
- Bedroom
- 4.14 × 3.59 m
- Sitting
- 2.43 × 3.17 m
- Bedroom 3
- 4.31 × 2.92 m
Lower
- Other
- 6.69 × 4.76 m
- Other
- 1.96 × 3.63 m
- Family Room
- 4.02 × 5.89 m
- Utility Room
- 3.76 × 3 m
- Office
- 4.45 × 2.81 m
Estimated value range
$759K to $839K
An automated range from recent comparable sales nearby. It is not an appraisal and says nothing about whether this home is priced correctly; condition, finishes and timing are outside what it can see.
Based on a model of 13,409 London sales through September 2026; it lands within 10% of the sold price on 64% of homes. Shown within 5% of the asking price.
Monthly paymentest. $4,603/mo all in
Monthly payment estimate
Land transfer tax$12,455 on closing
Ontario LTT
$12,455
First-time rebate
−$4,000
First-time buyer rebate of up to $4,000 may apply. Consult a lawyer for eligibility.
Price & listing history
Listed Sep 18, 2026
Earlier listings for this property are shown to registered users under our VOW agreement with LSTAR.
Sold comparables nearby
Sold36 Orchard Street, Exeter
Sold104 Greene Street, Exeter
See what these 6 homes sold for
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Market conditionsBuyer’s market in London
6.9 months of inventory: buyers have more options and negotiating power. Nearby, 6 sales in the last 90 days went for an average of 96% of asking.
Avg. sold price
$456,500
Sale-to-list ratio
96%
Based on 6 recent comparable sales near this home.
Affordabilityneeds $191,000 household income
Minimum household income required
$191,000
Based on 20% down, a 7.07% qualifying rate (the 5.07% contract rate plus two points), 25 year amortization, this home's listed property tax and a 32% GDS ratio. Rounded to the nearest thousand.
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Oak and Key Real Estate Brokerage Inc., Brokerage, 490 Melcrest Road, London, ON N6J 3T1, Phone: (226) 212-5099
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