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86709 Harper Line, Ashfield-Colborne-Wawanosh, ON N0G 2H0

3 beds · 3 baths · 1 kitchen · 10 rooms · 8 parking spaces · 2500-3000 sq ft · Laundry on the main level level · Detached
$649,900
Property tax
$4,301 / year

Welcome to 86705 Harper Line - a private country retreat nestled among mature trees on a peaceful, secluded lot. This spacious family home offers room for everyone, with a thoughtfully designed layout that balances comfort and functionality. The main floor features a large kitchen, convenient main level laundry - with laundry chute from the primary bedroom! A 2-piece powder room, and a separate dining area spacious enough to host family gatherings with ease. Just off the kitchen, you'll find a sunken living room with a cozy wood-burning fireplace and access to a bright sunroom. A formal living room near the front entrance provides additional space for entertaining or relaxing. Upstairs, the generous primary suite includes a walk-in closet and private 4-piece en-suite. Two additional large bedrooms and a full 4-piece bathroom complete the upper level. The full basement with high ceilings including spaces currently used as a home office and games room, along with direct walkout access to the attached double-car garage. Surrounded by nature and offering exceptional living space inside and out, this is a home that truly must be experienced in person to appreciate all it has to offer.

MLS number
X13460082
Type
Detached
Status
Active
Bedrooms
3
Bathrooms
3
Postal code
N0G 2H0
Photos
17
Laundry
Main Level level
87days · 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.

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

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
Lucknow Central Public School
Bluewater DSB
Elementary652 m7.5 / 10
75% met the standard
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.

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

This neighbourhood

Statistics Canada 2021 Census, for the surrounding few blocks — about 718 people.

$61,200Median household income
69.5%Own their home
71.2%Detached houses
51.6Median age
1.5%Born outside Canada
14.3%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35410209 — the few blocks around this address, home to 718 people. It describes the area, not this property.

718Population
48.8Average age
2.2Household size
$89,000Average household income
$61,200Median household income
70%Own their home
31%Rent
0%Condominiums
2%Born outside Canada
14%University degree
$464,000Average home value
16%Low income
72%Not in the labour force
22%Never married
$15,000 to $19,9991%
$20,000 to $24,9998%
$25,000 to $29,9996%
$30,000 to $34,9994%
$35,000 to $39,9994%
$40,000 to $44,9995%
$45,000 to $49,9993%
$50,000 to $59,9995%
$60,000 to $69,9995%
$70,000 to $79,9994%
$80,000 to $89,9994%
$90,000 to $99,9995%
$100,000 and over23%
$100,000 to $124,9998%
$125,000 to $149,9995%
$150,000 to $199,9995%
$200,000 and over4%

Percentages are of the 385 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.

$129,980 · minimum here is $39,990
$2,877.62per month
Borrowed before insurance$519,920
Total borrowed$519,920
Interest over 25 years at 4.5%$343,365

If you rented it out

-$3,236.03per month out of pocket
Rent$0.00
Everything it costs to hold$3,236.03
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 Lake Range Realty Ltd.. Listing data provided by the Toronto Regional Real Estate Board.