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287 Water Street, Mississippi Mills, ON K0A 1A0

4 beds · 2 baths · 1 kitchen · 10 rooms · 2 parking spaces · 1100-1500 sq ft · Detached
$449,000
Property tax
$2,520 / year

This no exit street brings you to a quiet part of town within walking distance to the shops and restaurants of Almonte's heritage downtown core, not to mention steps away from Almonte Fair, the North Lanark Highland Games and other cultural festivities at the Agricultural Grounds. Lots of curb appeal with the newly finished exterior vinyl siding, metal roof, front entry and wood fencing. Step inside where modern style meets vintage character. The primary bedroom is located of the main foyer and comes complete with a walk-in closet and ensuite bath/laundry. This room could also function as a dining room if more family space is required on this level. The walk-in closet could easily function as a butler's pantry or just more storage. Moving on to the the small but efficient kitchen, you will find stainless steel appliances and granite counters as well as a room for a breakfast table. To the rear of the house is the family room accessed from the kitchen as well as a convenient side door through the enclosed porch from outside. The family room also features a patio door leading out to the 12' x 8' deck which in turn overlooks the fully fenced large back yard. Upstairs you will find 3 generous size bedrooms and a 4 pc bath.

MLS number
X13668836
Type
Detached
Status
Active
Bedrooms
4
Bathrooms
2
Postal code
K0A 1A0
Photos
30
Laundry
Not in the unit
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.

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
Naismith Memorial Public School
Upper Canada DSB
Elementary714 m6.7 / 10
67% met the standard
Holy Name of Mary Separate School
CDSB of Eastern Ontario
Elementary980 m7.6 / 10
76% met the standard
R Tait McKenzie Public School
Upper Canada DSB
Elementary966 m7.9 / 10
79% met the standard
Almonte District High School
Upper Canada DSB
Secondary1.2 km7.1 / 10
71% met the standard · 2 of 6 measures
Almonte Intermediate School
Upper Canada DSB
Elementary1.2 kmNot 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.

What an H-Value is and how it is calculated — the method and our measured error, no account needed.

The market around this home

Detached houses in Mississippi Mills259 sales over the last five years. Too few sold in this community to chart it on its own, so this is the whole city.

Median sold priceWhat comparable homes actually sold for
$443k$609k$776k20252026this home’s asking price
$711klatest quarter · hover to read any
Sold vs askingAbove 100% means bidding wars were normal
96%98%100%20252026the asking price
99%latest quarter · hover to read any
Days to sellMedian days on market before the deal closed
-1d31d64d20252026
24dlatest 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 mississippi mills. 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 907 people.

$73,000Median household income
58.6%Own their home
47.6%Detached houses
49.6Median age
11.1%Born outside Canada
30.3%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35090110 — the few blocks around this address, home to 907 people. It describes the area, not this property.

907Population
47.1Average age
2Household size
$92,000Average household income
$73,000Median household income
59%Own their home
41%Rent
0%Condominiums
11%Born outside Canada
30%University degree
$580,000Average home value
11%Low income
82%Not in the labour force
20%Never married
$10,000 to $14,9991%
$15,000 to $19,9992%
$20,000 to $24,9997%
$25,000 to $29,9994%
$30,000 to $34,9992%
$35,000 to $39,9994%
$40,000 to $44,9992%
$45,000 to $49,9994%
$50,000 to $59,9995%
$60,000 to $69,9995%
$70,000 to $79,9993%
$80,000 to $89,9994%
$90,000 to $99,9994%
$100,000 and over26%
$100,000 to $124,9998%
$125,000 to $149,9995%
$150,000 to $199,9997%
$200,000 and over5%

Percentages are of the 575 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.

$89,800 · minimum here is $22,450
$1,988.07per month
Borrowed before insurance$359,200
Total borrowed$359,200
Interest over 25 years at 4.5%$237,222

If you rented it out

-$2,198.07per month out of pocket
Rent$0.00
Everything it costs to hold$2,198.07
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 ROYAL LEPAGE TEAM REALTY. Listing data provided by the Toronto Regional Real Estate Board.