Homula Realty Brokerage
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233 Main Street, Kearney, ON P0A 1M0

2 beds · 1 bath · 1 kitchen · 6 rooms · 4 parking spaces · < 700 sq ft · Detached
$299,900
Property tax
$961 / year

Move in ready 2 bedroom home in the Village of Kearney. There is 1 3-Piece Bath with laundry. Nice sized livingroom with pine lined walls. There is a heated and insulated utility space. Lots of natural light. Well treed lot with an inviting patio and firepit area. There are 3 storage sheds and a portable garage. Level lot. New wall heater/air conditioners. There is also a generac. The home is on piers. Close to beach, boat access, community centre and the Seguin trail. 24 hours notice required. Popular recreational area. This could be used as a year round home or a cottage.

MLS number
X13155416
Type
Detached
Status
Active
Bedrooms
2
Bathrooms
1
Postal code
P0A 1M0
Photos
17
Laundry
Not in the unit
115days · this listing
Total days on market across every earlier listing of this propertyRegistration and sign-in required

This listing’s own days on market are shown above. How long the property has been for sale across every earlier listing is drawn from records the board releases only to registered users — a free account opens it, along with the sale history below.

Listing history

No previous listings found for this address.

Where this property is

This address could not be placed on the mapHomula matches addresses against open government address data, and this one found no match — so the map, the nearby schools and the school boundaries are all unavailable for this listing. It is a gap in our data, not a property without schools nearby.

H-Value

our estimate of this home is for registered usersWhat comparable homes nearby actually sold for, worked into an estimate for this one — with the range it sits in and how far the method has been off in testing.Create a free accountAlready have one? Sign in.

What an H-Value is and how it is calculated — the method and our measured error, no account needed.

Work out the numbers

Everything below is calculated in your browser from figures you can change. Nothing is sent anywhere.

$59,980 · minimum here is $14,995
$1,327.89per month
Borrowed before insurance$239,920
Total borrowed$239,920
Interest over 25 years at 4.5%$158,448

If you rented it out

-$1,407.98per month out of pocket
Rent$0.00
Everything it costs to hold$1,407.98
How this is calculated, and what it leaves out

Canadian fixed-rate mortgages compound semi-annually, not monthly, so the monthly rate here is (1 + rate/2)1/6 − 1. Most calculators use rate ÷ 12, which is the American convention and overstates the payment by tens of dollars a month.

Below 20% down, default insurance is mandatory and is added to the loan rather than paid at closing: 2.80% at 85% loan-to-value, 3.10% at 90%, 4.00% at 95%. It is unavailable at or above $1.5M, which is why 20% is a hard floor there.

Not included: vacancy, property management, capital repairs, income tax, and the fact that a lender qualifies you at a stress-test rate rather than the one you are quoted. This is arithmetic on the numbers above, not a mortgage approval or an opinion of what you can afford.

Listed by Coldwell Banker Thompson Real Estate. Listing data provided by the Toronto Regional Real Estate Board.