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3 Cardinal Avenue, South Bruce Peninsula, ON N0H 2T0

3 beds · 1 bath · 1 kitchen · 8 rooms · 8 parking spaces · 1100-1500 sq ft · Detached
$525,000
Property tax
$2,525 / year

Welcome to 3 Cardinal Avenue, a one-of-a-kind property offering the perfect combination of location, outdoor space, and unique character. Situated on a beautifully landscaped half-acre lot, this home provides the privacy and room to enjoy the outdoors while being just minutes away from some of the area's best attractions. The expansive property offers plenty of space to relax, entertain, and enjoy the outdoors. The fenced-in grass area provides a safe and functional space for children, pets, or outdoor activities, while the remaining yard gives you endless opportunities to create your dream outdoor oasis. Whether you envision growing your own vegetables, starting a garden, hosting summer gatherings, or simply enjoying the peace and privacy of your own yard, this property gives you the space to make it happen. Located just a 5-minute walk from Oliphant's main beach, you'll have quick access to beautiful sunsets, swimming, boating, and the incredible coastal lifestyle the area is known for. A short 10-minute drive to Wiarton provides convenient access to shopping, restaurants, schools, and everyday amenities, making this location the perfect balance of peaceful living and accessibility. The home itself offers plenty of charm with soaring high ceilings, a unique sunken living room, and a layout full of character. The two main bedrooms each feature private balconies, creating peaceful retreats where you can enjoy the fresh air and views of the surrounding property. A good-sized detached garage adds extra versatility for parking, storage, hobbies, or a workshop. If you're looking for a property with a large private lot, an unbeatable location, and a home with personality, 3 Cardinal Avenue offers a rare opportunity to enjoy the best of the Oliphant and Bruce Peninsula lifestyle.

MLS number
X13571266
Type
Detached
Status
Active
Bedrooms
3
Bathrooms
1
Postal code
N0H 2T0
Photos
36
Laundry
Not in the unit
58days · 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.

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.

The market around this home

Detached houses in South Bruce Peninsula248 sales over the last five years.

Median sold priceWhat comparable homes actually sold for
$501k$550k$599k20252026this home’s asking price
$565klatest quarter · hover to read any
Sold vs askingAbove 100% means bidding wars were normal
95%98%100%20252026the asking price
97%latest quarter · hover to read any
Days to sellMedian days on market before the deal closed
-1d29d58d20252026
27dlatest quarter · hover to read any
How these are built, and what they cannot tell you

Each point is the median of the sales that closed in that quarter among detached houses in south bruce peninsula. A quarter with fewer than eight is left out rather than drawn, and the line breaks where that happens — a median over three sales is really one home’s price, and joining across a gap would draw a number nobody measured.

This is not an estimate of what this home is worth. The segment is a property type in an area; it takes no account of this home’s size, condition, renovations, lot, exposure or how it compares to its neighbours, and half the homes in any quarter sold for more than the median and half for less. It is context for a conversation with an agent, not a valuation.

Toronto Regional Real Estate Board closed transactions. Deemed reliable but not guaranteed accurate by PropTx.

This neighbourhood

Statistics Canada 2021 Census, for the surrounding few blocks — about 873 people.

$76,500Median household income
94.1%Own their home
100%Detached houses
58Median age
10.2%Born outside Canada
12.2%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35410152 — the few blocks around this address, home to 873 people. It describes the area, not this property.

873Population
51Average age
2.2Household size
$96,800Average household income
$76,500Median household income
94%Own their home
6%Rent
0%Condominiums
10%Born outside Canada
12%University degree
$558,000Average home value
9%Low income
82%Not in the labour force
15%Never married
$15,000 to $19,9991%
$20,000 to $24,9992%
$25,000 to $29,9991%
$30,000 to $34,9992%
$35,000 to $39,9994%
$40,000 to $44,9994%
$45,000 to $49,9993%
$50,000 to $59,9999%
$60,000 to $69,9995%
$70,000 to $79,9997%
$80,000 to $89,9995%
$90,000 to $99,9993%
$100,000 and over27%
$100,000 to $124,9999%
$125,000 to $149,9996%
$150,000 to $199,9998%
$200,000 and over5%

Percentages are of the 510 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.

$105,000 · minimum here is $27,500
$2,324.59per month
Borrowed before insurance$420,000
Total borrowed$420,000
Interest over 25 years at 4.5%$277,376

If you rented it out

-$2,535.00per month out of pocket
Rent$0.00
Everything it costs to hold$2,535.00
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 LPT Realty. Listing data provided by the Toronto Regional Real Estate Board.