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22 Oak Street, Havelock-Belmont-Methuen, ON K0L 1Z0

3 beds · 2 baths · 1 kitchen · 9 rooms · 2 parking spaces · 1500-2000 sq ft · Detached
$415,000
Property tax
$1,838 / year

Charming 2-storey century home on a generous corner lot! Offering a lovely covered porch, both stories boast high ceilings with a spacious kitchen and dining room, 3 bedrooms and 2 full bathrooms. All bedrooms are generous in size with the primary bedroom also including wall-to-wall his and hers closets. Outside, enjoy an oversized, beautifully established lot with mature trees, a large raised vegetable garden, and flowerbeds featuring a mix of perennials and Ontario native flowers. The property also offers fencing, a detached workshop, and covered carport parking. Perfectly situated in the heart of Havelock, surrounded by convenient street parking and within walking distance of amenities, restaurants, the library, community centre, town hall, churches, school, parks & more!

MLS number
X13736042
Type
Detached
Status
Active
Bedrooms
3
Bathrooms
2
Postal code
K0L 1Z0
Photos
50
9days · this listing
9days · 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.

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
Havelock-Belmont Public School
Kawartha Pine Ridge DSB
Elementary505 m3.2 / 10
32% 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.

This neighbourhood

Statistics Canada 2021 Census, for the surrounding few blocks — about 453 people.

$64,000Median household income
71.1%Own their home
75%Detached houses
47.6Median age
6.5%Born outside Canada
6.7%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35150292 — the few blocks around this address, home to 453 people. It describes the area, not this property.

453Population
44.9Average age
2.3Household size
$67,000Average household income
$64,000Median household income
71%Own their home
29%Rent
4%Condominiums
7%Born outside Canada
7%University degree
$355,000Average home value
16%Low income
88%Not in the labour force
25%Never married
$5,000 to $9,9992%
$15,000 to $19,9994%
$20,000 to $24,9996%
$25,000 to $29,9996%
$30,000 to $34,9994%
$35,000 to $39,9994%
$40,000 to $44,9992%
$45,000 to $49,9998%
$50,000 to $59,9996%
$60,000 to $69,9996%
$70,000 to $79,9998%
$80,000 to $89,9994%
$90,000 to $99,9996%
$100,000 and over17%
$100,000 to $124,9998%
$125,000 to $149,9996%
$150,000 to $199,9996%

Percentages are of the 260 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.

$83,000 · minimum here is $20,750
$1,837.53per month
Borrowed before insurance$332,000
Total borrowed$332,000
Interest over 25 years at 4.5%$219,259

If you rented it out

Monthly rent starts from a rule of thumb — two per cent of the asking price a year — because no comparable lease was found nearby. Change it to anything you like.

-$1,298.70per month out of pocket
Rent$692.00
Everything it costs to hold$1,990.70
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 Ball Real Estate Inc.. Listing data provided by the Toronto Regional Real Estate Board.