Homula Realty Brokerage
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3277 Baby Street, Out of Area, ON N9C 1K9

8 beds · 3 baths · 1 kitchen · 2 rooms · 3 parking spaces · 1100-1500 sq ft · Detached
$499,900
Property tax
$2,021 / year

Turn-key investment opportunity ideal for rentals or first-time home buyers. Extensively renovated in 2020 with major upgrades including new electrical (200 AMP service/panel), plumbing, HVAC, exterior waterproofing, sump pump, and backflow valve installation. Recent updates include a tankless water heater (2026) and central air conditioning/furnace with smart thermostat (Aug 2025). The home features a spacious kitchen with granite countertops, Euro-style cabinetry, and included appliances: 1 stove, 3 refrigerators, and 1 freezer. Tile and laminate flooring run throughout for easy maintenance. Additional features include keyless keypad entry for the main entrance and bedrooms, hard-wired surveillance system with 6 cameras and doorbell camera, plus coin-operated washer and gas dryer generating additional income. Energy efficiency upgrades completed through the Home Efficiency Program (2019/2020) include attic insulation (R35), basement insulation (R23), exterior wall insulation (R20), and professional air sealing. Currently generating monthly rental income. Most furniture is included in the sale (excluding furnishings in Rooms 2 & 8). Excellent future upside with potential for an ADU conversion.

MLS number
X13210646
Type
Detached
Status
Active
Bedrooms
8
Bathrooms
3
Postal code
N9C 1K9
Photos
30
106days · this listing
106days · this property

This property has not been relisted in the last two years, so both counts are the same. Where they differ, the second adds up earlier listings at this address that ended without a sale.

Listing history

No previous listings found for this address.

Where this home 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.

Work out the numbers

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

$99,980 · minimum here is $24,995
$2,213.45per month
Borrowed before insurance$399,920
Total borrowed$399,920
Interest over 25 years at 4.5%$264,115

If you rented it out

Monthly rent starts from a rule of thumb — two per cent of the asking price a year — because no comparable lease was found nearby. Change it to anything you like.

-$1,548.87per month out of pocket
Rent$833.00
Everything it costs to hold$2,381.87
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 COMFREE. Listing data provided by the Toronto Regional Real Estate Board.