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.

691 Bruce Road 13 Road, Native Leased Lands, ON N0H 2L0

2 beds · 1 bath · 1 kitchen · 5 rooms · 4 parking spaces · 700-1100 sq ft · Other
$299,000

Will be a pleasure to view inside and out. Seller's have added $25,000 in upgrades in a short while of owning this piece of waterfront treasure. Upgrades, include complete overhaul of the Bathroom, Painting through out, New Flooring through out (carpet free!), etc. The 2 bedroom, 1 Bath cottage, comes with most of the furniture & a heat pump (AC) & Free Standing Gas stove. Also features, wooden decks front and back, a detached shop and Laundry/Storage room. The Water front is 2nd to none, w/ beautiful nightly sun sets & the sounds of crashing waves to sleep by. This property will not sit out here long. The Lease is $10,700.00 plus Service fee of $1300, annually.

MLS number
X13672734
Type
Other
Status
Active
Bedrooms
2
Bathrooms
1
Postal code
N0H 2L0
Photos
37
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

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.

Approximate — placed from the postal code, which can cover a block or more.

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
G C Huston Public School
Bluewater DSB
Elementary489 m5.7 / 10
57% 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 727 people.

$82,000Median household income
93%Own their home
87.3%Detached houses
61.2Median age
3.1%Born outside Canada
12.2%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35410180 — the few blocks around this address, home to 727 people. It describes the area, not this property.

727Population
54.1Average age
2.1Household size
$100,000Average household income
$82,000Median household income
93%Own their home
7%Rent
16%Condominiums
3%Born outside Canada
12%University degree
$584,000Average home value
7%Low income
16%Never married
$20,000 to $24,9992%
$25,000 to $29,9992%
$30,000 to $34,9992%
$35,000 to $39,9993%
$40,000 to $44,9995%
$45,000 to $49,9993%
$50,000 to $59,9996%
$60,000 to $69,9996%
$70,000 to $79,9998%
$80,000 to $89,9997%
$90,000 to $99,9992%
$100,000 and over27%
$100,000 to $124,9999%
$125,000 to $149,9995%
$150,000 to $199,9995%
$200,000 and over7%

Percentages are of the 430 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.

$59,800 · minimum here is $14,950
$1,323.91per month
Borrowed before insurance$239,200
Total borrowed$239,200
Interest over 25 years at 4.5%$157,972

If you rented it out

-$1,323.91per month out of pocket
Rent$0.00
Everything it costs to hold$1,323.91
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 Sutton-Huron Shores Realty Inc.. Listing data provided by the Toronto Regional Real Estate Board.