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16 CIVIC Street, Killaloe, Hagarty and Richards, ON K0J 2A0

5 beds · 6 baths · 1 kitchen · 12 rooms · 5 parking spaces · 1500-2000 sq ft · Detached
$499,900
Property tax
$1,700 / year

The birch lined driveway showcases this two-story brick home on 1.091 acres on a gorgeous setting in a quiet part of Killaloe. The bones of this home are an ode to its timeless elegance. Four upstairs bedrooms, including a primary bedroom with a 3 piece en suite and dual closets. An office, a four piece bathroom and floor to ceiling storage finish the upper level. On the main floor the heart of the home is centrally located with a living room off of it that walks you out onto an interlocking patio sheltered and shaded by natural greenery. A convenient main floor bedroom with a handy powder room off the mud room back entrance. The front entrance opens into a formal dining room on your left and a light filled family room and fireplace. This home has hardwood floors throughout and all the ingredients to be enjoyed and will not disappoint.

MLS number
X13627836
Type
Detached
Status
Active
Bedrooms
5
Bathrooms
6
Postal code
K0J 2A0
Photos
29
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.

Schools

The school boundaries this address is inside, and the schools nearest it. Boards redraw boundaries and cap programs — confirm with the board before this affects a decision.

Other schools nearby

By distance from this address, not school boundary — a school 400 m away can be in another school’s attendance area.

SchoolLevelDistanceRating
St Andrew's Separate School
Renfrew County CDSB
Elementary395 m5.8 / 10
58% met the standard
Killaloe Public School
Renfrew County DSB
Elementary977 mNot reported
How the rating is calculated

EQAO — Ontario’s testing agency — publishes, for each school, the percentage of students meeting the provincial standard in Grade 3 and Grade 6 reading, writing and mathematics. The rating is the average of those percentages divided by ten. A school where 72% of students met the standard rates 7.2 out of 10.

Nothing is weighted or adjusted, and schools are not ranked against each other. Where EQAO withholds a result to protect the privacy of a small group of students, that measure is left out rather than counted as zero — so a rating built on fewer than six measures says so.

What it does not measure. It is one year of standardised testing in three subjects. It says nothing about teaching, programs, or whether a school suits a particular child, and it tracks neighbourhood household income closely enough that it partly measures the neighbourhood rather than the school. Treat it as one figure among many.

Source: Ontario Ministry of Education, School Information and Student Demographics (2024–25), Open Government Licence – Ontario.

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 552 people.

$50,000Median household income
78.6%Own their home
87.3%Detached houses
52Median age
8.3%Born outside Canada
15.8%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35470312 — the few blocks around this address, home to 552 people. It describes the area, not this property.

552Population
48.2Average age
2Household size
$59,200Average household income
$50,000Median household income
79%Own their home
21%Rent
0%Condominiums
8%Born outside Canada
16%University degree
$292,000Average home value
22%Low income
25%Never married
$15,000 to $19,9993%
$20,000 to $24,99912%
$25,000 to $29,9997%
$30,000 to $34,9995%
$35,000 to $39,9995%
$40,000 to $44,9995%
$45,000 to $49,9995%
$50,000 to $59,99910%
$60,000 to $69,9995%
$70,000 to $79,9995%
$80,000 to $89,9995%
$90,000 to $99,9993%
$100,000 and over15%
$100,000 to $124,99910%
$125,000 to $149,9993%
$150,000 to $199,9992%

Percentages are of the 300 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.

$99,980 · minimum here is $24,995
$2,213.45per month
Borrowed before insurance$399,920
Total borrowed$399,920
Interest over 25 years at 4.5%$264,115

If you rented it out

-$2,355.12per month out of pocket
Rent$0.00
Everything it costs to hold$2,355.12
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 EXP REALTY. Listing data provided by the Toronto Regional Real Estate Board.