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9 Saddle Avenue, Rideau Lakes, ON K7A 4S5

2 beds · 1 bath · 1 kitchen · 5 rooms · 2 parking spaces · 700-1100 sq ft · Laundry on the main level level · MobileTrailer
$214,900

Colourful gardens, inviting outdoor spaces and a long list of thoughtful updates make this two-bedroom modular home a welcoming place to settle into life in Otterdale Estates, just outside Smiths Falls. With approximately 1,059 sq. ft. on one level, the layout offers room to gather, space for hobbies and a quiet corner to make your own. A large bay window fills the main living room with natural light, while the generous eat-in kitchen offers plenty of cabinetry, countertops replaced in 2025 and a newer stove. The former three-season sunroom was converted to year-round living space in 2023, creating a bright second sitting area with an adjoining breakfast nook. Enjoy morning coffee among your plants, settle in with a book or spread out when friends come to visit. Two bedrooms with ample closet storage, a bathroom with an updated shower and conveniently located laundry with a newer washer and dryer complete the interior. All windows were replaced in 2022, with further improvements including foam insulation beneath the home in 2025, newer air conditioning and a front deck replaced in 2025. Outside, the front and rear decks offer different places to enjoy the day, from a sunny morning to a relaxed evening overlooking the gardens. Established flower beds, raised garden beds and mature trees bring colour and greenery to the yard, while an expanded storage shed provides useful space for tools, gardening supplies and seasonal belongings. A comfortable, welcoming home with room to enjoy both indoors and out.

MLS number
X13776096
Type
MobileTrailer
Status
Active
Bedrooms
2
Bathrooms
1
Postal code
K7A 4S5
Photos
34
Laundry
Main Level level
2days · 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.

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 650 people.

$71,500Median household income
95.3%Own their home
61.7%Detached houses
57.2Median age
2.9%Born outside Canada
14.4%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35070272 — the few blocks around this address, home to 650 people. It describes the area, not this property.

650Population
51.4Average age
2.2Household size
$91,000Average household income
$71,500Median household income
95%Own their home
5%Rent
5%Condominiums
3%Born outside Canada
14%University degree
$352,000Average home value
7%Low income
74%Not in the labour force
20%Never married
Under $5,0001%
$15,000 to $19,9991%
$20,000 to $24,9994%
$25,000 to $29,9992%
$30,000 to $34,9991%
$35,000 to $39,9995%
$40,000 to $44,9995%
$45,000 to $49,9994%
$50,000 to $59,9996%
$60,000 to $69,9996%
$70,000 to $79,9995%
$80,000 to $89,9994%
$90,000 to $99,9995%
$100,000 and over25%
$100,000 to $124,99910%
$125,000 to $149,9995%
$150,000 to $199,9997%
$200,000 and over4%

Percentages are of the 405 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.

$42,980 · minimum here is $10,745
$951.53per month
Borrowed before insurance$171,920
Total borrowed$171,920
Interest over 25 years at 4.5%$113,539

If you rented it out

-$951.53per month out of pocket
Rent$0.00
Everything it costs to hold$951.53
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 COLDWELL BANKER FIRST OTTAWA REALTY. Listing data provided by the Toronto Regional Real Estate Board.