Homula Realty Brokerage
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10 North Shore Road, Frontenac Islands, ON K7G 2V6

2 beds · 3 baths · 1 kitchen · 11 rooms · 6 parking spaces · 2000-2500 sq ft · Laundry on the main level level · Detached
$589,000
Property tax
$2,985 / year

Looking for a peaceful and serene home on Howe Island? Look no further than this stunning 2-bedroom 3-bathroom wood-sided bungalow on a 1.5-acre corner lot, including not only a relaxing hot tub, but your own greenhouse! You are immediately greeted by an open concept living and dining room area with gleaming hardwood floors, high vaulted pine-covered ceilings, two electric fireplaces and banks of sunlit windows. The kitchen is a dream with custom cabinetry, built-in appliances, granite countertops and a built-in pantry. Both bedrooms are spacious, bright, carpet free and include their own spa-inspired ensuite bathrooms. You can access your all-season sunroom from all directions of the home to access your back yard oasis with a tranquil stone patio, gardens, hot tub and greenhouse or simply stay inside and enjoy the views. Steps to the Howe Island Ferry, a 5-minute ferry ride to or from the island, and a 15-minute drive to the heart of downtown Kingston.

MLS number
X13475192
Type
Detached
Status
Active
Bedrooms
2
Bathrooms
3
Postal code
K7G 2V6
Photos
26
Laundry
Main Level level
83days · 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 5 times.

Sale history is for registered usersSee what this address sold for and when, across all 5 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.

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.

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 644 people.

$111,000Median household income
98.4%Own their home
100%Detached houses
62Median age
11.3%Born outside Canada
36.8%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35100291 — the few blocks around this address, home to 644 people. It describes the area, not this property.

644Population
56.6Average age
2.1Household size
$286,000Average household income
$111,000Median household income
98%Own their home
2%Rent
0%Condominiums
11%Born outside Canada
37%University degree
$860,000Average home value
7%Low income
17%Never married
$10,000 to $14,9991%
$20,000 to $24,9992%
$35,000 to $39,9991%
$40,000 to $44,9991%
$45,000 to $49,9993%
$50,000 to $59,9992%
$60,000 to $69,9994%
$70,000 to $79,9994%
$80,000 to $89,9993%
$90,000 to $99,9994%
$100,000 and over37%
$100,000 to $124,99910%
$125,000 to $149,9998%
$150,000 to $199,9996%
$200,000 and over13%

Percentages are of the 465 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.

$117,800 · minimum here is $33,900
$2,607.96per month
Borrowed before insurance$471,200
Total borrowed$471,200
Interest over 25 years at 4.5%$311,189

If you rented it out

-$2,856.71per month out of pocket
Rent$0.00
Everything it costs to hold$2,856.71
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 ROYAL LEPAGE PROALLIANCE REALTY, BROKERAGE. Listing data provided by the Toronto Regional Real Estate Board.