Homula Realty Brokerage
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218 Northumberland Street, North Dumfries, ON N0B 1E0

4 beds · 3 baths · 2 kitchens · 15 rooms · 5 parking spaces · 1500-2000 sq ft · Laundry on the lower level level · Detached
$799,000
Property tax
$5,438 / year

Welcome to this charming 3-bedroom, 3-bathroom home set on an impressive 1/2 acre lot. Offering space, versatility and plenty of room to enjoy the outdoors. The inviting main level features a bright and spacious living area with a striking stone fireplace and a wall of windows creating a warm and comfortable gathering space. With 3 bedrooms throughout the home, convenience is well covered for a growing family or those who love to host. The adjoining dining area and kitchen provide a functional layout and easy flow throughout the home. The spacious primary bedroom with walk-in closet and updated ensuite are located on the main floor as well as 2 additional bedrooms upstairs, as well as one downstairs. Downstairs, you'll find additional living space along with a second kitchen, offering exciting flexibility for extended family, guests, a potential in-law suite or simply additional entertaining space. A beautiful updated bathroom adds to the basement as well. Step outside and discover your own backyard retreat. The generous 1/2 acre property provides plenty of space to relax, play, and entertain, while the pool offers the perfect place to cool off and enjoy summer days. An outdoor deck creates an ideal spot for morning coffee, evening drinks, or dining al fresco.

MLS number
X13663362
Type
Detached
Status
Active
Bedrooms
4
Bathrooms
3
Postal code
N0B 1E0
Photos
48
Laundry
Lower Level level
33days · 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.

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 Brigid Catholic Elementary School
Waterloo CDSB
Elementary146 m8.2 / 10
82% met the standard
Ayr Public School
Waterloo Region DSB
Elementary844 m6.1 / 10
61% met the standard
Cedar Creek Public School
Waterloo Region DSB
Elementary1.8 km6.5 / 10
65% met the standard
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.

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 465 people.

$143,000Median household income
100%Own their home
100%Detached houses
39.6Median age
4%Born outside Canada
33.8%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35300807 — the few blocks around this address, home to 465 people. It describes the area, not this property.

465Population
38.2Average age
3.1Household size
$176,000Average household income
$143,000Median household income
100%Own their home
0%Rent
0%Condominiums
4%Born outside Canada
34%University degree
$820,000Average home value
33%Not in the labour force
24%Never married
$60,000 to $69,9992%
$70,000 to $79,9992%
$80,000 to $89,9994%
$90,000 to $99,9992%
$100,000 and over44%
$100,000 to $124,9996%
$125,000 to $149,99913%
$150,000 to $199,99915%
$200,000 and over13%

Percentages are of the 240 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.

$159,800 · minimum here is $54,900
$3,537.80per month
Borrowed before insurance$639,200
Total borrowed$639,200
Interest over 25 years at 4.5%$422,140

If you rented it out

-$3,990.97per month out of pocket
Rent$0.00
Everything it costs to hold$3,990.97
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 ICON REALTY. Listing data provided by the Toronto Regional Real Estate Board.