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$799,000

Estimated value $759K to $839K

Est. $3,743/mo mortgage

3bd·3ba·2,000-2,500sqft

431 Albert Street · Exeter, N0M 1S1

MLS® X13801168

39 days on market39 days on market

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.

Location & neighbourhood

Directions

Exeter

South Huron, ON

Monthly paymentest. $4,603/mo all in

Monthly payment estimate

Mortgage (5.07%, 25yr)$3,743
Property tax$444
Insurance (est.)$166
Utilities (est.)$250
Total monthly$4,603
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

$799,000

Listed Sep 18, 2026

On the market

Earlier listings for this property are shown to registered users under our VOW agreement with LSTAR.

Sold comparables nearby

36 Orchard Street, ExeterSold

36 Orchard Street, Exeter

3 bd·2 ba·1,100-1,500 sqft
104 Greene Street, ExeterSold

104 Greene Street, Exeter

3 bd·4 ba·1,500-2,000 sqft

See what these 6 homes sold for

Create a free account to see sold prices and comparable sales.

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.

Buyer's marketBalancedSeller's market

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.

Colin Abbot

Broker

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(226) 212-5099 · colin@searchlondonhomes.com

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Colin Abbot, Broker, Westwood Realty Team

Oak and Key Real Estate Brokerage Inc., Brokerage, 490 Melcrest Road, London, ON N6J 3T1, Phone: (226) 212-5099

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