For sale

DetachedOn market 151 daysPrice drop · $20,000 off (-4.0%)

286 Harmony Beach Rd, Algoma, Unorganized, North Part

Name: 286 Harmony Beach Road
SKU: X13886980
Price: 479900 CAD
Availability: InStock

Algoma, Unorganized, North Part, ON · MLS® X13886980Updated June 4, 2026

$479,900Est. $2,358/mo mortgage

Bedrooms: 3
Bathrooms: 2

Type Detached
Lot 50 acres
Basement Crawl Space

What you should know

286 Harmony Beach Rd is a 3-bedroom, 2-bathroom detached home in Algoma, Unorganized, North Part, listed for $479,900.

Step inside to discover a bright, open layout featuring 3 bedrooms, including a spacious primary suite with a 3-piece ensuite.
The kitchen is a showstopper with a large island, high-quality cabinetry, and updated countertops, while the living room is anchored by a cozy Napoleon fireplace.
This home is designed for efficiency and comfort with a new electric forced-air furnace, central air conditioning, updated electrical, partial ICF foundation, and spray-foam insulation in the remaining crawl space.

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3 Bed, 2 Bath Detached Home in Algoma, Unorganized, North Part

About 286 Harmony Beach Road

Welcome to your own private retreat at Harmony Beach! With beautiful scenic views and a location directly across from the public boat launch and sandy beach, this year-round property is sure to impress. Fully renovated from top to bottom, it feels like a brand-new build while offering modern comfort throughout. Step inside to discover a bright, open layout featuring 3 bedrooms, including a spacious primary suite with a 3-piece ensuite. The kitchen is a showstopper with a large island, high-quality cabinetry, and updated countertops, while the living room is anchored by a cozy Napoleon fireplace. Fresh paint, new flooring, trim, and interior doors run throughout, and both bathrooms have been fully updated with stylish fixtures. This home is designed for efficiency and comfort with a new electric forced-air furnace, central air conditioning, updated electrical, partial ICF foundation, and spray-foam insulation in the remaining crawl space. The improvements continue outside with new windows, siding, soffit, and shingles. The 8’ x 28’ pressure-treated front deck is the perfect place to enjoy your morning coffee, take in the views, or entertain with summer barbecues! Call today.

3 bedrooms, 2 bathrooms. Chat with Zara if you'd like a deeper read on whether this detached fits your budget and timing.

Inside 286 Harmony Beach Rd

Every detail from the listing, in one place.

Type: Detached
Style: Bungalow
Basement: Crawl Space

Features & systems

Interior

Basement: Crawl Space

Lot & land

Lot size (sqft): 0

Listing & possession

Property style: Bungalow
Property class: Detached

286 Harmony Beach Rd Price & Sale History

Earlier listings of this property, list-price changes, and the most recent annual property tax on the listing.

—ReducedPrice reducedThis listingMLS® X13886980−$20,000 (4.0%)$479,900
May 14, 2026For saleListedThis listingMLS® X13886980$499,900

Sourced from MLS®. Includes earlier listings of this property on record.

What's it worth?

How 286 Harmony Beach Rd Compares to the Algoma, Unorganized, North Part Market

Zara compares it with recent sales of similar homes nearby. It's a guide, not an appraisal.

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Living in Algoma, Unorganized, North Part: Location & Amenities

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Costs, Mortgage & Rental Return for 286 Harmony Beach Rd

What it could cost each month, today's rates from our mortgage partner, and what it could return as a rental.

Mortgage: $2,358; 20% down · 25 years · 5.5% assumed
Property tax: $264; 0.66% mill rate · ON
Total per month: $2,622; Before utilities, insurance and fees

Figures are Summitly estimates for illustration only — not from TRREB or the MLS® feed, and not a mortgage approval, appraisal, or financial advice.

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Monthly cost

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Down payment

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Years

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Estimated monthly payment

$2,358

/mo

based on the purchase price of $479,900

Down payment20%

$95,980 cash

Amortization25 yr

$383,920 financed

Rate5.50%

$323,361 total interest

Principal54%$383,920

Interest46%$323,361

20% down · 25-yr amortization · 5.50% rate. Principal & interest only — taxes, condo fees, and insurance not included.

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Figures are Summitly estimates for illustration only — not from TRREB or the MLS® feed, and not a mortgage approval, appraisal, or financial advice.

Rental income potential

Est. monthly rent

low–high

Gross yield

rent × 12 ÷ price

Cap rate (est.)

net of tax + fees

Summitly AI estimate for discussion only — not from TRREB or the MLS® feed, and not an appraisal or investment advice. Yield and cap rate are derived from the estimated rent versus the asking price.

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MLS® X13886980 · Listing data last updated June 4, 2026

Listing data comes from the Toronto Regional Real Estate Board (TRREB) and is deemed reliable but not guaranteed. Shown on Summitly by Coldwell Banker Summit Realty, Brokerage, which is not the listing brokerage. The information provided herein must only be used by consumers that have a bona fide interest in the purchase, sale, or lease of real estate and may not be used for any commercial purpose or any other purpose. © 2026 Toronto Regional Real Estate Board. All rights reserved.

Mortgage financing is arranged through Mortgage Squad Advisors. Summitly is the technology platform that powers this site. Estimated values, AI insights, calculator results, and rental projections shown on this page are generated by Summitly and are not provided by, reviewed by, or sourced from TRREB, the MLS®, or the listing brokerage; they are not appraisals or opinions of value. The trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by the Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. The Coldwell Banker® name and logo are trademarks of Coldwell Banker Real Estate LLC.

For sale· listed May 13

Estimated monthly mortgage$2,358/moMortgage only · 20% down · 5.5% assumed

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