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638 Havelock Street, Huron-Kinloss, ON N0G 2H0

4 beds · 2 baths · 1 kitchen · 10 rooms · 7 parking spaces · 2000-2500 sq ft · Laundry on the main level level · Detached
$639,000
Property tax
$3,319 / year

HOT SUMMERS NEED THIS POOL ESCAPE. Welcome to 638 Havelock Street, in the heart of the charming community of Lucknow, this jaw-dropping 4-bedroom century brick home is an oasis situated on a stately 132'x165' Corner Lot. Beautifully maintained, this home blends timeless character (10' ceilings) with the modern updates today's home seeker is looking for; turnkey means more memories, less renovating. Bright skylight-filled sitting area off the kitchen, creates a sunny, cozy spot for morning coffee. Dining Room and Family Room with fireplace provides multiple spaces for your family to spread out. Newer roof and furnace give you peace of mind for lazy afternoons and starry summer nights spent on, not one but, two lovely porches. The spacious front yard welcomes playtime and curb appeal, while the fenced backyard features an in-ground 18'x36' pool, pool house, and convenient change rooms off the back deck - your private retreat for splashy fun and backyard barbecues.The next block over is tennis courts and kid's playground area. This property is a must see: sweet, serene, and family-ready; come fall in love!

MLS number
X13670398
Type
Detached
Status
Active
Bedrooms
4
Bathrooms
2
Postal code
N0G 2H0
Photos
39
Laundry
Main Level level
31days · 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

This address has been listed 2 times.

Sale history is for registered usersSee what this address sold for and when, across all 2 listings. Free account — the board’s rules require one before sold data can be shown.Create a free account

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
Lucknow Central Public School
Bluewater DSB
Elementary666 m7.5 / 10
75% 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 770 people.

$71,000Median household income
81.5%Own their home
82.8%Detached houses
42.4Median age
4.6%Born outside Canada
11.2%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35410208 — the few blocks around this address, home to 770 people. It describes the area, not this property.

770Population
43.5Average age
2.3Household size
$83,600Average household income
$71,000Median household income
82%Own their home
19%Rent
0%Condominiums
5%Born outside Canada
11%University degree
$444,000Average home value
11%Low income
73%Not in the labour force
26%Never married
$10,000 to $14,9991%
$15,000 to $19,9991%
$20,000 to $24,9995%
$25,000 to $29,9995%
$30,000 to $34,9991%
$35,000 to $39,9995%
$40,000 to $44,9995%
$45,000 to $49,9991%
$50,000 to $59,9997%
$60,000 to $69,9996%
$70,000 to $79,9995%
$80,000 to $89,9995%
$90,000 to $99,9995%
$100,000 and over24%
$100,000 to $124,99910%
$125,000 to $149,9995%
$150,000 to $199,9995%
$200,000 and over6%

Percentages are of the 420 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.

$127,800 · minimum here is $38,900
$2,829.35per month
Borrowed before insurance$511,200
Total borrowed$511,200
Interest over 25 years at 4.5%$337,606

If you rented it out

-$3,105.94per month out of pocket
Rent$0.00
Everything it costs to hold$3,105.94
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 Heartland Realty. Listing data provided by the Toronto Regional Real Estate Board.