Homula Realty Brokerage
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1686 Howe Island Drive, Frontenac Islands, ON K7G 2V6

5 beds · 1 bath · 1 kitchen · 9 rooms · 12 parking spaces · 1500-2000 sq ft · Detached
$1,999,000
Property tax
$6,025 / year

Escape to the peaceful south shore of Howe Island, where breathtaking St. Lawrence River views and the timeless charm of island living create an extraordinary retreat. This one-of-a-kind waterfront property invites you to slow down, reconnect with family and friends, and enjoy the tranquility that only island life can offer. The current layout is designed to bring people together, making it ideal for entertaining, relaxing, and creating lasting memories against a spectacular waterfront backdrop. Beyond its existing charm, the property offers exceptional potential. Renovate the cottage to suit your vision, transform it into a year-round waterfront residence, or explore future possibilities, including severance potential, subject to the appropriate approvals. Whether you're seeking a seasonal escape, a permanent home, or a property with exciting possibilities, this remarkable St. Lawrence River offering combines unmatched views, endless potential, and an inspiring setting that is truly difficult to replicate.

MLS number
X13535906
Type
Detached
Status
Active
Bedrooms
5
Bathrooms
1
Postal code
K7G 2V6
Photos
49
Laundry
Not in the unit
69days · 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.

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.

$399,800 · minimum here is $399,800
$8,851.14per month
Borrowed before insurance$1,599,200
Total borrowed$1,599,200
Interest over 25 years at 4.5%$1,056,142

If you rented it out

-$9,353.22per month out of pocket
Rent$0.00
Everything it costs to hold$9,353.22
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 REDMOND REALTY LTD., BROKERAGE. Listing data provided by the Toronto Regional Real Estate Board.