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87A Union Street, Arran-Elderslie, ON N0H 2N0

3+1 beds · 3 baths · 1 kitchen · 10 rooms · 8 parking spaces · 1100-1500 sq ft · Semi-Detached
$599,000
Property tax
$4,073 / year

Welcome to this spacious and versatile home in the heart of Tara! Offering 3+1 bedrooms and 3 bathrooms, the main floor features a generous primary bedroom with a large closet and private ensuite, plus two additional bedrooms and a full bathroom. The fully finished basement provides excellent in-law suite potential, complete with a bedroom, bathroom, rec room and plenty of storage. Outside, enjoy a fenced backyard with a storage shed, inviting back deck and charming front porch. A double-car garage, ample parking and affordable utility costs add to the home's everyday convenience. Located beside town green space and close to Tara's amenities, this property offers the space, flexibility and location to suit a variety of lifestyles.

MLS number
X13742190
Type
Semi-Detached
Status
Active
Bedrooms
4
Bathrooms
3
Postal code
N0H 2N0
Photos
42
8days · this listing
28days · this property (2 listings)

This home has been listed 2 times in the last two years. "This property" adds up the days each of those listings was actually on the market before being withdrawn, suspended or expiring — the quiet months between them are not counted.

Listing history

28 days on the market across 2 listings
This listing shows 8 days on its own. The counter restarts each time a property is relisted, so the total above is how long it has actually been for sale. Time when it was off the market is not counted.

This address has been listed 2 times.

Sale history is for registered usersSee what this address sold for and when, across all 2 listings. Free account — the board’s rules require one before sold data can be shown.Create a free account

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
Arran Tara Elementary School
Bluewater DSB
Elementary1.2 km6.1 / 10
61% 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 847 people.

$91,000Median household income
90.9%Own their home
98.4%Detached houses
38Median age
4%Born outside Canada
11.6%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35410163 — the few blocks around this address, home to 847 people. It describes the area, not this property.

847Population
38.1Average age
2.8Household size
$103,200Average household income
$91,000Median household income
91%Own their home
9%Rent
0%Condominiums
4%Born outside Canada
12%University degree
$520,000Average home value
12%Low income
49%Not in the labour force
20%Never married
$15,000 to $19,9991%
$20,000 to $24,9992%
$25,000 to $29,9992%
$30,000 to $34,9991%
$35,000 to $39,9992%
$40,000 to $44,9993%
$45,000 to $49,9991%
$50,000 to $59,9995%
$60,000 to $69,9993%
$70,000 to $79,9995%
$80,000 to $89,9996%
$90,000 to $99,9995%
$100,000 and over31%
$100,000 to $124,99911%
$125,000 to $149,9997%
$150,000 to $199,9998%
$200,000 and over6%

Percentages are of the 435 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.

$119,800 · minimum here is $34,900
$2,652.24per month
Borrowed before insurance$479,200
Total borrowed$479,200
Interest over 25 years at 4.5%$316,473

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.

-$1,993.66per month out of pocket
Rent$998.00
Everything it costs to hold$2,991.66
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 Century 21 Millennium Inc.. Listing data provided by the Toronto Regional Real Estate Board.