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2576 Howe Island Drive, Frontenac Islands, ON K7G 2V6

4 beds · 3 baths · 1 kitchen · 9+7 rooms · 12 parking spaces · 3000-3500 sq ft · Laundry on the main level level · Detached
$1,499,900
Property tax
$7,200 / year

Architecturally designed by Charles Maddison and custom built in 1983, this waterfront home has been cherished by the same family since it was built. Set on the north shore of Howe Island, the property offers a combination of privacy, natural beauty & recreation. Designed to maximize light and views, the open concept main floor is filled with natural sunlight from windows on every side. A curved staircase serves as the home's architectural centre piece, while hardwood floors add warmth throughout the living spaces. The living & dining rooms flow seamlessly into a bright sunroom, creating inviting spaces for both entertaining and everyday. The kitchen was beautifully renovated in 2015 with timeless finishes and excellent functionality. Geothermal heating & mini-split air conditioning provide efficient, comfortable climate control throughout the seasons. Upstairs are 4 bedrooms, including a spacious primary suite with its own ensuite bath & deck overlooking the property. A versatile den shared by two of the bedrooms offers the perfect space for a home office, study area, or playroom. Outside, the property has been designed to embrace an active waterfront lifestyle. Spend summer afternoons by the inground pool with its newer liner, enjoy a match on your private tennis court, or relax among the beautifully landscaped gardens and productive vegetable garden. The shoreline is equally impressive. A substantial cement dock with a solar-powered boat lift provides easy access to the St. Lawrence River, with approximately three feet of water off the dock for swimming and boating. Later in the season, a private stone beach emerges, creating a peaceful place to enjoy the waterfront. A comprehensive list of updates is available. Combining timeless architecture, quality construction, exceptional waterfront amenities, and a spectacular island setting close to Kingston, this is a unique opportunity to own one of Howe Island's most distinctive homes.

MLS number
X13772044
Type
Detached
Status
Active
Bedrooms
4
Bathrooms
3
Postal code
K7G 2V6
Photos
98
Laundry
Main Level level
3days · 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

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 property 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.

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 644 people.

$111,000Median household income
98.4%Own their home
100%Detached houses
62Median age
11.3%Born outside Canada
36.8%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35100291 — the few blocks around this address, home to 644 people. It describes the area, not this property.

644Population
56.6Average age
2.1Household size
$286,000Average household income
$111,000Median household income
98%Own their home
2%Rent
0%Condominiums
11%Born outside Canada
37%University degree
$860,000Average home value
7%Low income
17%Never married
$10,000 to $14,9991%
$20,000 to $24,9992%
$35,000 to $39,9991%
$40,000 to $44,9991%
$45,000 to $49,9993%
$50,000 to $59,9992%
$60,000 to $69,9994%
$70,000 to $79,9994%
$80,000 to $89,9993%
$90,000 to $99,9994%
$100,000 and over37%
$100,000 to $124,99910%
$125,000 to $149,9998%
$150,000 to $199,9996%
$200,000 and over13%

Percentages are of the 465 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.

$299,980 · minimum here is $124,990
$6,641.23per month
Borrowed before insurance$1,199,920
Total borrowed$1,199,920
Interest over 25 years at 4.5%$792,450

If you rented it out

-$7,241.23per month out of pocket
Rent$0.00
Everything it costs to hold$7,241.23
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 PROALLIANCE REALTY, BROKERAGE. Listing data provided by the Toronto Regional Real Estate Board.