Homula Realty Brokerage
The information provided herein must only be used by consumers that have a bona fide interest in the purchase, sale, or lease of real estate and may not be used for any commercial purpose or any other purpose.

32 Howe Island Drive, Frontenac Islands, ON K7G 2V6

4+1 beds · 3 baths · 1 kitchen · 15 rooms · 12 parking spaces · 2000-2500 sq ft · Detached
$1,990,000
Property tax
$4,924 / year

Welcome to this exceptional waterfront home offering breathtaking western views, clean shoreline, and year-round waterfront living. Set on a beautifully landscaped property, this fully brick bungalow features over 35 years of pride of ownership and is designed to take full advantage of its waterfront setting. The main level welcomes you with vaulted ceilings, hardwood flooring, and a bright, open-concept kitchen featuring granite countertops and a spacious dining area. The adjoining living room is anchored by a cozy fireplace, while large windows and patio doors fill the home with natural light and showcase the stunning water views. The main floor offers 4 bedrooms, including a spacious primary suite complete with a walk-in closet, laundry, a 3-piece ensuite and an adjoining heated sunroom surrounded by six patio doors making this the perfect place to enjoy your morning coffee overlooking the water. A beautifully updated 5-piece main bathroom completes the main level. The fully finished walkout basement expands the living space with a large rec room featuring a wet bar, a 5th bedroom, a full 3-piece bathroom, cedar closet, sauna, wood stove and direct access to the backyard and waterfront. Enjoy a heated double-car garage with epoxy flooring, garage door opener, access to the rear yard, underground sprinkler system, full security system, generator, and beautifully maintained grounds leading to the clean shoreline. Whether you're boating, swimming, kayaking, or simply enjoying the peaceful surroundings, this property offers an incredible waterfront lifestyle. Additional features include 200-amp electrical service, an owned hot water tank, two pressure systems, propane service, a fiberglass oil tank (2011) and dug well. Recent improvements include replacement patio doors and windows in the waterfront addition (2020). This is a rare opportunity to own a meticulously maintained waterfront property where spectacular views and everyday comfort come together.

MLS number
X13626620
Type
Detached
Status
Active
Bedrooms
5
Bathrooms
3
Postal code
K7G 2V6
Photos
49
Laundry
Not in the unit
43days · 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.

$398,000 · minimum here is $398,000
$8,811.29per month
Borrowed before insurance$1,592,000
Total borrowed$1,592,000
Interest over 25 years at 4.5%$1,051,387

If you rented it out

-$9,221.62per month out of pocket
Rent$0.00
Everything it costs to hold$9,221.62
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 RE/MAX FINEST REALTY INC., BROKERAGE. Listing data provided by the Toronto Regional Real Estate Board.