Homula Realty Brokerage
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90 Ann Street, Gananoque, ON K7G 1Z3

2+2 beds · 2 baths · 1 kitchen · 10 rooms · 4 parking spaces · 700-1100 sq ft · Detached
$599,612
Property tax
$4,172 / year

If you are looking for a very special high ranch bungalow in Gananoque this could be the one! Current owners have been here for 9 years and have constantly upgraded and improved.2 + 2 generous bedrooms, 2 baths. Dream kitchen with loads of cupboards and a huge pantry with pull outs. Dining room walk out to a delightful covered 14 X 12 deck.1 & 1/2 car garage with plenty of extra storage. Spacious & bright 22 X 11 rec room with cozy gas stove. Expert landscaping trimmed to perfection. From the moment you walk in it is obvious that this home is a cut above. Priced realistically yet open to reasonable offers. Call now for your personal viewing.

MLS number
X13228910
Type
Detached
Status
Active
Bedrooms
4
Bathrooms
2
Postal code
K7G 1Z3
Photos
49
102days · 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

Where this address sits, matched against open government data.

Estimated from the house-number range along this road: the right block of the right street, not the exact building. No address file publishes this house.

Schools

The school boundaries this address is inside, and the schools nearest it. Boards redraw boundaries and cap programs — confirm with the board before this affects a decision.

Other schools nearby

By distance from this address, not school boundary — a school 400 m away can be in another school’s attendance area.

SchoolLevelDistanceRating
Linklater Public School
Upper Canada DSB
Elementary665 m7.5 / 10
75% met the standard
St Joseph's Separate School
CDSB of Eastern Ontario
Elementary568 m8.2 / 10
82% met the standard
Gananoque Secondary School
Upper Canada DSB
Secondary1.2 km7.8 / 10
78% met the standard · 2 of 6 measures
Gananoque Intermediate School
Upper Canada DSB
Elementary1.3 kmNot reported
How the rating is calculated

EQAO — Ontario’s testing agency — publishes, for each school, the percentage of students meeting the provincial standard in Grade 3 and Grade 6 reading, writing and mathematics. The rating is the average of those percentages divided by ten. A school where 72% of students met the standard rates 7.2 out of 10.

Nothing is weighted or adjusted, and schools are not ranked against each other. Where EQAO withholds a result to protect the privacy of a small group of students, that measure is left out rather than counted as zero — so a rating built on fewer than six measures says so.

What it does not measure. It is one year of standardised testing in three subjects. It says nothing about teaching, programs, or whether a school suits a particular child, and it tracks neighbourhood household income closely enough that it partly measures the neighbourhood rather than the school. Treat it as one figure among many.

Source: Ontario Ministry of Education, School Information and Student Demographics (2024–25), Open Government Licence – Ontario.

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.

This neighbourhood

Statistics Canada 2021 Census, for the surrounding few blocks — about 373 people.

$46,400Median household income
39.5%Own their home
33.3%Detached houses
59.6Median age
7.8%Born outside Canada
3.2%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35070313 — the few blocks around this address, home to 373 people. It describes the area, not this property.

373Population
54.6Average age
1.8Household size
$64,000Average household income
$46,400Median household income
40%Own their home
61%Rent
0%Condominiums
8%Born outside Canada
3%University degree
$330,000Average home value
18%Low income
20%Never married
$20,000 to $24,99911%
$25,000 to $29,99911%
$30,000 to $34,9996%
$35,000 to $39,9999%
$40,000 to $44,9996%
$45,000 to $49,9994%
$50,000 to $59,9999%
$60,000 to $69,9996%
$70,000 to $79,9994%
$80,000 to $89,9996%
$90,000 to $99,9992%
$100,000 and over13%
$100,000 to $124,9994%
$125,000 to $149,9996%
$150,000 to $199,9992%

Percentages are of the 235 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.

$119,922 · minimum here is $34,961
$2,729.29per month
Borrowed before insurance$479,690
Default insurance premium, added to the loan$13,431
Total borrowed$493,121
Interest over 25 years at 4.5%$325,667

If you rented it out

-$3,076.96per month out of pocket
Rent$0.00
Everything it costs to hold$3,076.96
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 BICKERTON BROKERS REAL ESTATE LIMITED, BROKERAGE. Listing data provided by the Toronto Regional Real Estate Board.