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317 St Patrick Street, Norfolk, ON N0A 1N0

5 beds · 2 baths · 2 kitchens · 5 rooms · 4 parking spaces · 1500-2000 sq ft · Duplex
$449,900
Property tax
$3,881 / year

Discover an exceptional investment opportunity in the heart of Port Dover with this charming, solid brick residential two-storey duplex. Perfectly positioned for savvy investors or those seeking a mortgage helper, this property offers the ideal setup to live on one level while renting out the other, or to add a lucrative asset to your portfolio. Currently tenanted, this income-generating property provides immediate rental revenue from day one. The main floor features three bedrooms and one bathroom, while the second floor offers two bedrooms and one bathroom. Situated directly across the street from Silver Lake, residents can enjoy a scenic walking trail, local events, a park, and the vibrant Saturday Morning Farmers Market right at their doorstep. Additionally, the beach, pier, restaurants, theatre, and local stores are all within a convenient walking distance, combining classic character, prime location, and solid income potential. Beyond the immediate neighborhood, the location provides easy access to neighboring Norfolk County communities like Simcoe just a short drive away, and serves as a manageable commuting distance to Hamilton in under an hour, making it effortless to experience regional outdoor recreation, local businesses, and wider commuter routes.

MLS number
X13723740
Type
Duplex
Status
Active
Bedrooms
5
Bathrooms
2
Postal code
N0A 1N0
Photos
11
Laundry
Not in the unit
17days · 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.

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
Pucks and PencilsElementary668 mNot reported
Lakewood Elementary School
Grand Erie DSB
Elementary1.3 km7.7 / 10
77% met the standard
St. Cecilia's School
Brant Haldimand Norfolk CDSB
Elementary1.5 km6.6 / 10
66% 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 570 people.

$61,200Median household income
55.4%Own their home
47.4%Detached houses
52.4Median age
11.2%Born outside Canada
12.9%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35280213 — the few blocks around this address, home to 570 people. It describes the area, not this property.

570Population
47.3Average age
1.9Household size
$74,000Average household income
$61,200Median household income
55%Own their home
45%Rent
14%Condominiums
11%Born outside Canada
13%University degree
$500,000Average home value
14%Low income
51%Not in the labour force
25%Never married
Under $5,0003%
$10,000 to $14,9993%
$15,000 to $19,9991%
$20,000 to $24,9996%
$25,000 to $29,9998%
$30,000 to $34,9993%
$35,000 to $39,9994%
$40,000 to $44,9993%
$45,000 to $49,9993%
$50,000 to $59,9998%
$60,000 to $69,9996%
$70,000 to $79,9996%
$80,000 to $89,9994%
$90,000 to $99,9994%
$100,000 and over19%
$100,000 to $124,99910%
$125,000 to $149,9993%
$150,000 to $199,9994%
$200,000 and over3%

Percentages are of the 360 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.

$89,980 · minimum here is $22,495
$1,992.06per month
Borrowed before insurance$359,920
Total borrowed$359,920
Interest over 25 years at 4.5%$237,698

If you rented it out

-$2,315.48per month out of pocket
Rent$0.00
Everything it costs to hold$2,315.48
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 RE/MAX ESCARPMENT REALTY INC.. Listing data provided by the Toronto Regional Real Estate Board.