Homula Realty Brokerage
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7A Hoy Street, Edwardsburgh/Cardinal, ON K0E 1E0

2 beds · 2 baths · 1 kitchen · 5 rooms · 5 parking spaces · 700-1100 sq ft · Semi-Detached
$439,900
Property tax
$2,362 / year

Welcome to this thoughtfully designed 2-bedroom, 1.5-bathroom semi-detached bungalow built by respected local builder Lockwood Brothers in 2020. This slab-on-grade home offers comfortable, single-level living with cozy in-floor hydronic heating, a mini-split system for cooling and supplemental heat, granite countertops, and natural gas connections for the range, dryer, and BBQ. Outside, enjoy a privacy-fenced backyard featuring mature perennial gardens, front and rear concrete patios, plus a 12'x12' deck with pergola. A paved double driveway, cable internet, and remaining Tarion warranty add everyday convenience and peace of mind. Ideally located near Highway 401 and within walking distance of the St. Lawrence River and Galop Canal, this inviting home is an excellent choice for first-time buyers, downsizers, or retirees. Natural-gas boiler is rented at $70/month. 24 hour irrevocable with all offers.

MLS number
X13716544
Type
Semi-Detached
Status
Active
Bedrooms
2
Bathrooms
2
Postal code
K0E 1E0
Photos
22
Laundry
Not in the unit
18days · 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.

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 665 people.

$92,000Median household income
90.2%Own their home
93.2%Detached houses
57.2Median age
8.8%Born outside Canada
18.4%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35070235 — the few blocks around this address, home to 665 people. It describes the area, not this property.

665Population
51.2Average age
2.3Household size
$121,000Average household income
$92,000Median household income
90%Own their home
10%Rent
3%Condominiums
9%Born outside Canada
18%University degree
$496,000Average home value
10%Low income
83%Not in the labour force
20%Never married
$20,000 to $24,9992%
$30,000 to $34,9992%
$35,000 to $39,9992%
$40,000 to $44,9992%
$45,000 to $49,9991%
$50,000 to $59,9997%
$60,000 to $69,9997%
$70,000 to $79,9994%
$80,000 to $89,9995%
$90,000 to $99,9994%
$100,000 and over33%
$100,000 to $124,9999%
$125,000 to $149,9996%
$150,000 to $199,9998%
$200,000 and over7%

Percentages are of the 425 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.

$87,980 · minimum here is $21,995
$1,947.78per month
Borrowed before insurance$351,920
Total borrowed$351,920
Interest over 25 years at 4.5%$232,415

If you rented it out

-$2,144.62per month out of pocket
Rent$0.00
Everything it costs to hold$2,144.62
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 REMAX BOARDWALK REALTY. Listing data provided by the Toronto Regional Real Estate Board.