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194 High Street, North Middlesex, ON N0M 1A0

3+1 beds · 3 baths · 1 kitchen · 8+4 rooms · 7 parking spaces · 2000-2500 sq ft · Detached
$799,900
Property tax
$5,455 / year

Welcome home to 194 High Street in Ailsa Craig! An incredible opportunity to own a beautiful brick ranch that offers far more space than meets the eye! From the street, it's a beautiful brick ranch with fantastic curb appeal, but step inside and you'll discover over 4000 sq ft of thoughtfully designed living space that's perfect for a growing family or anyone who loves to entertain. The inviting covered front porch and striking peaked roofline create a wonderful first impression. Inside, the heart of the home is the stunning open-concept kitchen, dining, and family room, where soaring vaulted ceilings and a floor-to-ceiling stone gas fireplace make the space feel both grand and welcoming. The kitchen is designed for gathering, featuring a large centre island with double sink, granite countertops, wine rack, and plenty of cabinetry. Patio doors lead directly to the deck, making indoor-outdoor entertaining effortless. The spacious primary suite features a large walk-in closet and a convenient 3pc ensuite. The main floor also includes a generous 5pc bathroom and offers exciting flexibility. With simple minimal redesign, there's potential for up to 4 bedrooms on the main level. Add the existing lower-level bedroom, and this home could easily become a 5-bedroom home to suit your family's changing needs. You'll also love the practical touches, including central vac and a bright hot tub room with skylights that's the perfect place to unwind at the end of the day. Downstairs, there's room for everyone with an expansive great room, a rec room featuring a cozy gas fireplace, and an abundance of storage space. The oversized attached garage is equally impressive with in-floor heating, extra ceiling height, and an upper storage shelf. Homes with this much space and quality don't come along often. If you've been searching for a home that truly has room to grow while offering comfort, character, and thoughtful features throughout, 194 High St is one you won't want to miss.

MLS number
X13560460
Type
Detached
Status
Active
Bedrooms
4
Bathrooms
3
Postal code
N0M 1A0
Photos
47
59days · this listing
59days · 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

Where this address sits, matched against open government data.

Matched to a published address point for this address.

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 490 people.

$107,000Median household income
91.7%Own their home
97.2%Detached houses
43.2Median age
7.7%Born outside Canada
29.1%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35390807 — the few blocks around this address, home to 490 people. It describes the area, not this property.

490Population
41.4Average age
2.7Household size
$130,000Average household income
$107,000Median household income
92%Own their home
8%Rent
0%Condominiums
8%Born outside Canada
29%University degree
$580,000Average home value
8%Low income
36%Not in the labour force
20%Never married
$40,000 to $44,9992%
$45,000 to $49,9994%
$50,000 to $59,9996%
$60,000 to $69,9994%
$70,000 to $79,9992%
$80,000 to $89,9996%
$90,000 to $99,9994%
$100,000 and over38%
$100,000 to $124,99912%
$125,000 to $149,9996%
$150,000 to $199,99912%
$200,000 and over6%

Percentages are of the 260 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.

$159,980 · minimum here is $54,990
$3,541.78per month
Borrowed before insurance$639,920
Total borrowed$639,920
Interest over 25 years at 4.5%$422,615

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.

-$2,663.37per month out of pocket
Rent$1,333.00
Everything it costs to hold$3,996.37
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 KELLER WILLIAMS LIFESTYLES. Listing data provided by the Toronto Regional Real Estate Board.