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.

33 B Oakdale Lane, Horton, ON K7V 3Z8

3 beds · 1 bath · 1 kitchen · 6 rooms · 3 parking spaces · 700-1100 sq ft · Detached
$399,000
Property tax
$2,053 / year

Not every cottage earns the four-season title. This one has been built for it. Spray foamed underneath with a new well and septic just three years old, this three bedroom Ottawa River retreat is as solid as it is charming. Spend your summers on the water boating, kayaking, or simply soaking in the river views from the oversized deck built in 2020. Watch the valley light up with colour in the fall, then settle in for a cozy winter with ice fishing and sledding right out front and access to the Algonquin trail close by. Come spring, you will be the first one back on the water while everyone else is still waiting for their seasonal place to open up. Inside, the open layout is bright and easy to live in with river views flowing through the main living area right into the primary bedroom. The two additional bedrooms handle family and guests with ease, and the updates throughout add a polished touch to the overall feel of the place. All the expensive work is already done. New well, new septic, spray foam insulation, and a beautiful new deck means you show up and enjoy it from day one. Just 15 minutes to Arnprior or Renfrew and the river is yours to explore in either direction. This is four-season cottage ownership done right.

MLS number
X13684006
Type
Detached
Status
Active
Bedrooms
3
Bathrooms
1
Postal code
K7V 3Z8
Photos
25
Laundry
Not in the unit
27days · 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 5 times.

Sale history is for registered usersSee what this address sold for and when, across all 5 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.

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.

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 1,072 people.

$92,000Median household income
89%Own their home
89.7%Detached houses
49.6Median age
2.5%Born outside Canada
9.2%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35470266 — the few blocks around this address, home to 1,072 people. It describes the area, not this property.

1,072Population
45.7Average age
2.5Household size
$100,400Average household income
$92,000Median household income
89%Own their home
11%Rent
0%Condominiums
3%Born outside Canada
9%University degree
$440,000Average home value
8%Low income
83%Not in the labour force
18%Never married
Under $5,0001%
$15,000 to $19,9992%
$20,000 to $24,9992%
$25,000 to $29,9992%
$30,000 to $34,9991%
$35,000 to $39,9993%
$40,000 to $44,9992%
$45,000 to $49,9992%
$50,000 to $59,9995%
$60,000 to $69,9996%
$70,000 to $79,9994%
$80,000 to $89,9995%
$90,000 to $99,9994%
$100,000 and over31%
$100,000 to $124,9998%
$125,000 to $149,9998%
$150,000 to $199,9999%
$200,000 and over7%

Percentages are of the 630 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.

$79,800 · minimum here is $19,950
$1,766.69per month
Borrowed before insurance$319,200
Total borrowed$319,200
Interest over 25 years at 4.5%$210,806

If you rented it out

-$1,937.77per month out of pocket
Rent$0.00
Everything it costs to hold$1,937.77
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 COLDWELL BANKER SARAZEN REALTY. Listing data provided by the Toronto Regional Real Estate Board.