Homula Realty Brokerage
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104 Largo Lane, Goderich, ON N7A 0C1

3 beds · 3 baths · 1 kitchen · 15 rooms · 4 parking spaces · 2500-3000 sq ft · Detached
$849,900

The Breakwater Loft is a sophisticated home designed for effortless coastal living at Coast Goderich. Combining modern elegance with daily practicalities, this layout features soaring 9-foot main-floor ceilings, low-maintenance luxury vinyl plank flooring throughout the main living areas, and sleek brushed nickel or black door hardware. The chef-inspired kitchen stands out with high-quality cabinetry, 36" uppers, quartz countertops, and Moen plumbing fixtures, which seamlessly carry into the bathrooms alongside solid wood vanities and luxury vinyl tile. Complete with a finished paved asphalt driveway and a garage lined with durable vinyl Trusscore wall panels, this model can also be tailored with premium upgrade options-including elegant tray ceilings in the primary bedroom or living room, elevated kitchen cabinetry packages, and a cozy rear covered porch for outdoor relaxation.

MLS number
X13745978
Type
Detached
Status
Active
Bedrooms
3
Bathrooms
3
Postal code
N7A 0C1
Photos
1
Laundry
Not in the unit
8days · 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.

Approximate — placed from the postal code, which can cover a block or more.

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 792 people.

$64,500Median household income
90.6%Own their home
68.3%Detached houses
64Median age
13.4%Born outside Canada
10.4%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35400196 — the few blocks around this address, home to 792 people. It describes the area, not this property.

792Population
59.4Average age
1.9Household size
$72,800Average household income
$64,500Median household income
91%Own their home
9%Rent
9%Condominiums
13%Born outside Canada
10%University degree
$402,000Average home value
12%Low income
11%Never married
$5,000 to $9,9991%
$10,000 to $14,9991%
$15,000 to $19,9992%
$20,000 to $24,9993%
$25,000 to $29,9995%
$30,000 to $34,9993%
$35,000 to $39,9995%
$40,000 to $44,9993%
$45,000 to $49,9994%
$50,000 to $59,9998%
$60,000 to $69,99910%
$70,000 to $79,9997%
$80,000 to $89,9996%
$90,000 to $99,9995%
$100,000 and over20%
$100,000 to $124,9998%
$125,000 to $149,9994%
$150,000 to $199,9995%
$200,000 and over3%

Percentages are of the 520 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.

$169,980 · minimum here is $59,990
$3,763.17per month
Borrowed before insurance$679,920
Total borrowed$679,920
Interest over 25 years at 4.5%$449,032

If you rented it out

-$3,763.17per month out of pocket
Rent$0.00
Everything it costs to hold$3,763.17
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 Royal LePage Heartland Realty. Listing data provided by the Toronto Regional Real Estate Board.