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11 James Street W, Minto, ON N0G 1M0

1+2 beds · 3 baths · 1 kitchen · 8+3 rooms · 5 parking spaces · 1500-2000 sq ft · Laundry on the main level level · Detached
$744,900
Property tax
$4,054 / year

Clifford - Solid brick home on a well-kept quarter-acre corner lot, with an hour's drive connecting you to Guelph, Kitchener-Waterloo, Owen Sound, and the shores of Lake Huron. The eat-in kitchen opens directly onto a 500 sq ft composite deck, while the family room; anchored by a wood-burning fireplace, a generous bay window and flows through French doors to a stamped concrete patio below. Out back, a dedicated concrete fire pit gives you three distinct outdoor spaces. Main floor laundry, a 2-piece bath, and direct entry to the attached heated garage keep the day-to-day running smoothly. The lower walkout level holds the third bedroom and a 3-piece bath. Upstairs, two more bedrooms shares a 5-piece bathroom. The unfinished basement below is perfect for a usable storage space, second rec room, or play space. The roof is a 50-year steel shingle. Heating and cooling are a newer gas furnace with central air. The shop built in 2020 32' x 40': in-floor heat, a hoist, vaulted truss ceiling, an 11'x20' and an 8'x10' roll-up door, hot water, and its own washroom. Whether it's a working garage or a serious hobby shop, it's ready for it. 3 bedrooms. 3 outdoor spaces. A 12''x15' Garden Shed. A shop. A roof built to last a generation. All on a quiet backstreet in a small town.

MLS number
X13207454
Type
Detached
Status
Active
Bedrooms
3
Bathrooms
3
Postal code
N0G 1M0
Photos
27
Laundry
Main Level level
108days · 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

This address has been listed 2 times.

Sale history is for registered usersSee what this address sold for and when, across all 2 listings. Free account — the board’s rules require one before sold data can be shown.Create a free account

Where this property is

Where this address sits, matched against open government data.

Approximate — placed from the postal code, which can cover a block or more.

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.

The market around this home

Detached houses in Minto — 134 sales over the last five years.

Median sold priceWhat comparable homes actually sold for
$470k$610k$750k20252026this home’s asking price
$518klatest quarter · hover to read any
Sold vs askingAbove 100% means bidding wars were normal
93%96%100%20252026the asking price
97%latest quarter · hover to read any
Days to sellMedian days on market before the deal closed
-1d26d52d20252026
30dlatest quarter · hover to read any
How these are built, and what they cannot tell you

Each point is the median of the sales that closed in that quarter among detached houses in minto. A quarter with fewer than eight is left out rather than drawn, and the line breaks where that happens — a median over three sales is really one home’s price, and joining across a gap would draw a number nobody measured.

This is not an estimate of what this home is worth. The segment is a property type in an area; it takes no account of this home’s size, condition, renovations, lot, exposure or how it compares to its neighbours, and half the homes in any quarter sold for more than the median and half for less. It is context for a conversation with an agent, not a valuation.

Toronto Regional Real Estate Board closed transactions. Deemed reliable but not guaranteed accurate by PropTx.

This neighbourhood

Statistics Canada 2021 Census, for the surrounding few blocks — about 400 people.

$64,000Median household income
62.5%Own their home
83.3%Detached houses
32.8Median age
3.4%Born outside Canada
9.1%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35400104 — the few blocks around this address, home to 400 people. It describes the area, not this property.

400Population
35.7Average age
3.2Household size
$66,000Average household income
$64,000Median household income
63%Own their home
38%Rent
21%Condominiums
3%Born outside Canada
9%University degree
$540,000Average home value
43%Low income
65%Not in the labour force
27%Never married
$10,000 to $14,9993%
$15,000 to $19,9993%
$20,000 to $24,9999%
$25,000 to $29,9993%
$30,000 to $34,9993%
$40,000 to $44,9993%
$45,000 to $49,9993%
$50,000 to $59,9996%
$60,000 to $69,9993%
$70,000 to $79,9993%
$80,000 to $89,9993%
$90,000 to $99,9993%
$100,000 and over25%
$100,000 to $124,9999%
$125,000 to $149,9996%
$150,000 to $199,9996%
$200,000 and over6%

Percentages are of the 160 responses in this category. Statistics Canada rounds counts and withholds small ones to keep individuals unidentifiable, so categories with too few people to publish are absent rather than shown as zero.

Source: Statistics Canada, 2021 Census of Population. Contains information licensed under the Open Government Licence – Canada.

Work out the numbers

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

$148,980 · minimum here is $49,490
$3,298.26per month
Borrowed before insurance$595,920
Total borrowed$595,920
Interest over 25 years at 4.5%$393,557

If you rented it out

-$3,636.09per month out of pocket
Rent$0.00
Everything it costs to hold$3,636.09
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 Real Broker Ontario Ltd.. Listing data provided by the Toronto Regional Real Estate Board.