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.

434812 Zorra Line S, South-West Oxford, ON N0J 1A0

3 beds · 1 bath · 1 kitchen · 7 rooms · 5 parking spaces · 1100-1500 sq ft · Detached
$535,000
Property tax
$2,459 / year

Large yard, Updated interior with Detached garage set the stage for this 3 bedroom home, offering a great blend of modern updates, original character and small-town charm. This location is hard to beat. Beachville Conservation Area is just a 1-minute walk away, providing easy access to the Upper Thames River and a beautiful setting to enjoy nature, relax by the water or take a peaceful stroll. The moment you arrive you're greeted by neutral toned vinyl siding accented by black trim gives this older home a fresh, modern look, while the welcoming front porch is the perfect spot to enjoy your morning coffee or unwind at the end of the day. Inside, the home has been thoughtfully updated while preserving some of the character that makes older homes so appealing. Original-style wood baseboards and trim have been kept throughout, adding warmth and old-world charm alongside the modern updates. The open concept main floor features updated neutral toned vinyl flooring throughout, with plenty of space for a full size dining table and a generous kitchen island ,ideal for meal prep, extra storage, casual dining or gathering with family and friends. A convenient mudroom provides easy access to the backyard, where the outdoor space really shines. The large concrete patio overlooks the expansive backyard, complete with a hot tub, built in playset, sand pit and fire pit area plenty of room for kids to play and for making memories with family and friends. The detached insulated garage features hydro and an attached workshop, offering excellent space for hobbies, projects, storage or anyone looking for room to work. Conveniently located just minutes from Woodstock and within easy reach of London, Stratford, Kitchener and surrounding communities, this home offers the best of small-town living while keeping everyday amenities and larger centres close at hand.

MLS number
X13683224
Type
Detached
Status
Active
Bedrooms
3
Bathrooms
1
Postal code
N0J 1A0
Photos
33
25days · this listing
25days · this property

This property has not been relisted in the last two years, so both counts are the same. Where they differ, the second adds up earlier listings at this address that ended without a sale.

Listing history

No previous listings found for this address.

Where this home 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.

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 546 people.

$95,000Median household income
91.3%Own their home
93.2%Detached houses
47.2Median age
8.2%Born outside Canada
8.5%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35320329 — the few blocks around this address, home to 546 people. It describes the area, not this property.

546Population
43.9Average age
2.5Household size
$110,000Average household income
$95,000Median household income
91%Own their home
9%Rent
0%Condominiums
8%Born outside Canada
9%University degree
$616,000Average home value
6%Low income
45%Not in the labour force
21%Never married
Under $5,0002%
$20,000 to $24,9992%
$25,000 to $29,9992%
$35,000 to $39,9992%
$40,000 to $44,9993%
$45,000 to $49,9992%
$50,000 to $59,9998%
$60,000 to $69,9995%
$70,000 to $79,9995%
$80,000 to $89,9995%
$90,000 to $99,9992%
$100,000 and over32%
$100,000 to $124,99912%
$125,000 to $149,9996%
$150,000 to $199,9998%
$200,000 and over8%

Percentages are of the 325 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.

$107,000 · minimum here is $28,500
$2,368.86per month
Borrowed before insurance$428,000
Total borrowed$428,000
Interest over 25 years at 4.5%$282,659

If you rented it out

Monthly rent starts from the median of recent 3-bedroom leases in South-West Oxford. Change it to anything you like.

$226.22per month left over
Rent$2,800.00
Everything it costs to hold$2,573.78
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 KELLER WILLIAMS INNOVATION REALTY. Listing data provided by the Toronto Regional Real Estate Board.