Homula Realty Brokerage
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3042 Albert Street, Howick, ON N0G 1V0

2+2 beds · 2 baths · 1 kitchen · 7+5 rooms · 7 parking spaces · 1100-1500 sq ft · Detached
$685,000
Property tax
$4,128 / year

Welcome to a home where quality, care and thoughtful updates truly stand out. This beautifully maintained bungalow is tucked into a welcoming small-town setting and sits on an oversized lot, offering plenty of space to enjoy. The fully renovated main floor features 2 bedrooms plus office/flex room, while the fully finished basement adds 2 additional bedrooms and plenty of extra living space. The list of quality finishes and updates include electrical, generator hook up, plumbing, septic, flooring, roof, insulation, custom kitchen and bathroom vanities, plus more! The list is extensive, far too much to capture in a few lines. Ask your Agent for a copy of the upgrade sheet! The attached garage with 220 amp electrical hook-up offers convenience, while the outdoor spaces are equally impressive. The covered deck is the perfect spot to relax or entertain, and there's also a shed for additional storage. This is a home that has been meticulously maintained and thoughtfully updated, with nothing left to do but move in and enjoy. Book your showing today, you won't want to miss this one!

MLS number
X13761650
Type
Detached
Status
Active
Bedrooms
4
Bathrooms
2
Postal code
N0G 1V0
Photos
45
2days · this listing
2days · 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.

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
Howick Central Public School
Avon Maitland DSB
Elementary2.2 km7.6 / 10
76% 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 486 people.

$83,000Median household income
84.8%Own their home
94.1%Detached houses
40.4Median age
4.7%Born outside Canada
3.1%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35400107 — the few blocks around this address, home to 486 people. It describes the area, not this property.

486Population
41.4Average age
2.8Household size
$88,000Average household income
$83,000Median household income
85%Own their home
15%Rent
0%Condominiums
5%Born outside Canada
3%University degree
$530,000Average home value
10%Low income
48%Not in the labour force
19%Never married
$25,000 to $29,9992%
$35,000 to $39,9995%
$40,000 to $44,9992%
$45,000 to $49,9992%
$50,000 to $59,9995%
$60,000 to $69,9995%
$70,000 to $79,9999%
$80,000 to $89,9999%
$90,000 to $99,9997%
$100,000 and over28%
$100,000 to $124,99912%
$125,000 to $149,9995%
$150,000 to $199,9997%
$200,000 and over2%

Percentages are of the 215 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.

$137,000 · minimum here is $43,500
$3,033.03per month
Borrowed before insurance$548,000
Total borrowed$548,000
Interest over 25 years at 4.5%$361,910

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.

-$2,235.03per month out of pocket
Rent$1,142.00
Everything it costs to hold$3,377.03
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.