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310-3100 Steeles Ave W, Vaughan, ON, L4K 3R1
905-553-8500info@summitly.ca

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Listing data is provided by the Toronto Regional Real Estate Board (TRREB) via PropTx and is deemed reliable but not guaranteed. Coldwell Banker Summit Realty, Brokerage — an independently owned and operated Coldwell Banker franchise.

REALTOR® Disclosure▾

For listings in Canada, 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 trademarks MLS®, Multiple Listing Service® and the associated logos are owned by CREA and identify the quality of services provided by real estate professionals who are members of CREA. Used under license.

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    For sale On market 99 daysPrice drop · $20,000 off (-10.5%)

    Lot 3 Howard Lake Island

    KL Outside·Kirkland Lake, ON·P0J 1L0·Near Hwy 672/Howard Lake Road

    • 3 beds
    Kirkland Lake real estate›T12817880
    • Overview
    • History
    • Details
    • Location
    • Mortgage
    • Investment
    • Comparables
    • FAQ
    Open house & tour

    3 upcoming open houses

    Drop in during an open house, or tour online — no appointment needed.

    • Open house
      Date TBD
      Time TBD
    • Open house
      Date TBD
      Time TBD
    • Open house
      Date TBD
      Time TBD
    Overview

    What this listing tells us

    Property description

    If you are looking for privacy, but the amenities of mainland, this beautiful 3 Bedroom cottage on Howard Lake is the perfect northern escape. Located a short 2 min boat ride to the north end of the island, you will find it situated on 1.6 acres with over 300 ft of frontage. Massive windows span the front giving you a stunning view. With hydro to the property and the option of electric or wood heat, as well and a septic system and water set up, this can be a year round option. Step inside to a large, bright kitchen with lots of counter space that opens to the dining room and living room featuring vaulted ceilings and a built in bar. Off the main area is a massive room that can be used as a den or additional bedroom. You will also find another two bedrooms, one with a corner jacuzzi tub and the other with a walk out patio to the deck, and a 4 pc bathroom with double sinks and washer/dryer. The massive deck features a screened in area for those warm summer nights! The cottage comes furnished and ready to go including an aluminum boat, motor and trailer. For extra storage there is a garage in the property. Imagine yourself here with family making memories!

    Cleaned for readability — original MLS® text was lightly de-abbreviated and decapitalized.

    AI highlights by Zara
    History

    Listing, price, and tax history

    Every previous listing of this property, every list-price change, and 5 years of estimated annual property tax — switch tabs to drill in.

    DateEventStatusPriceChangeMLS®View
    Jul 13, 2026Price reducedCurrentReduced$169,900−$20,000 (10.5%)T12817880This page
    Feb 24, 2026ListedCurrentFor sale$189,900 —T12817880This page
    Sourced from MLS® · includes all previous listings of this property · tap View to open the archived listing in a new tab
    Property details

    Inside this property

    Systems, finishes, room dimensions, and building information — pulled from the full MLS® feed.

    Features & systems

    Heating, cooling, parking, exterior, lot, possession, and more.

    • Systems

      5
      Heating
      Baseboard
      Air conditioning
      None
      Fireplaces
      3
      Water source
    Location & lifestyle

    Getting around, schools & the block

    Walkability and transit, the nearest schools, an interactive map of the exact spot, and what's nearby.

    📍 Lot 3 Howard Lake Island
    What's nearby

    Points of interest classified by the MLS® feed.

    • Island
    • Lake Access
    • Lake/Pond
    • Waterfront
    Financials

    The money — monthly cost, mortgage & return

    Everything financial in one place: what you'd pay each month, a live mortgage calculator at the asking price, and what it could return as a rental.

    Cost of ownership

    A monthly snapshot at typical assumptions — personalize the mortgage just below.

    Est. monthly mortgage
    $835
    20% down · 25y · 5.50% — adjust below ↓
    Est. monthly property tax
    $33
    0.24% mill rate · ON
    The market

    How this home sits in the Kirkland Lake market

    Live neighbourhood stats, the closed sales you'd negotiate against, and comparable active listings.

    The Kirkland Lake market right now

    Average sold price, days on market, and closed-transaction count for Kirkland Lake — sourced from MLS®.

    • Avg sold price
      $208,894
      Last 30 days
    • Median sold price
      $182,000
      Middle of the market
    • Days on market
      47 d
      Avg from list to close
    • Closed last 30d
      52
      MLS® transactions
    Full Kirkland Lake market report
    Buy with Coldwell Banker Summit Realty

    We'll get you into Lot 3 Howard Lake Island — the seller pays our commission

    On every MLS® listing in Canada, the seller's brokerage pays a cooperating commission to whoever brings the buyer. Buyer representation is free to you.

    Free buyer representation · Coldwell Banker® affiliate

    $0 to you. The seller pays our fee.

    On every MLS® listing in Canada, the seller's brokerage advertises a cooperating commission for the buyer's agent. A Coldwell Banker Summit Realty agent represents you — you owe us nothing.

    Call now
    Due diligence

    Property flags & disclosures

    An automated scan of public records and news for anything a buyer should know about this specific address — liens, outstanding work orders, or stigma-related history. We never invent flags.

    Nothing concerning surfaced — all clear.

    We scanned public records and news for liens, outstanding work orders, and stigma-related history (e.g. a former grow-op or fire) at Lot 3 Howard Lake Island and found nothing flagged. We re-check automatically as new records publish.

    Frequently asked

    Common questions about this property

    Tap a question to expand the answer. Short, direct answers tuned for AI search and voice assistants.

    • How much is Lot 3 Howard Lake Island listed for?

      Lot 3 Howard Lake Island is listed at $169,900 on the MLS® (listing T12817880). The price refreshes on Summitly within minutes of any MLS® change.

    • How many bedrooms, bathrooms, and square feet does Lot 3 Howard Lake Island have?

    Coldwell Banker Summit Realty is a RECO-licensed Ontario real estate brokerage, independently owned and operated. Mortgage financing is arranged through Mortgage Squad Advisors. Summitly is the technology platform that powers this site. Listing data is sourced from MLS® and is provided for informational purposes only — not guaranteed accurate by the MLS® or its members. 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.

  1. 1 bath
  2. 1100-1500 sqft
  3. Rural Residential
  4. Built 51-99
  5. .50-1.99 ac lot
  6. Asking
    $169,900
    $0 / sqft · MLS® T12817880
    Chat Zara
  7. Zara AI Estimate
    Live · refreshes nightly
    Estimated value
    $208,894
    $192,182Confidence range$225,606
    Asking vs estimate
    ↓below
    −$38,994
    (-18.7%)
    Asking is below estimate
    Run the affordability numbers

    Based on the city's average sold price, adjusted for 3 bedrooms (no sqft on file).

    Market analytics

    Homes like this in Kirkland Lake sell in about 47 days — this one has been listed 99 days.

    Avg sold price
    $208,894
    Median sold
    $182,000
    Avg days on market
    47
    Recently sold
    52
    See comparable sales
    Walk through online
    Listing agent has provided two interactive tours
    Open virtual tourWatch video tour
    Massive windows span the front giving you a stunning view.
  8. Step inside to a large, bright kitchen with lots of counter space that opens to the dining room and living room featuring vaulted ceilings and a built in bar.
  9. You will also find another two bedrooms, one with a corner jacuzzi tub and the other with a walk out patio to the deck, and a 4 pc bathroom with double sinks and washer/dryer.
  10. The massive deck features a screened in area for those warm summer nights!
  11. Ask Zara a follow-up
    Other
    Sewer
    Septic
  12. Parking & garage

    4
    Garage
    Detached
    Garage spaces
    1
    Parking spaces
    1
    Driveway
    Other
  13. Interior

    5
    Basement
    Crawl Space
    Family room
    Y
    Kitchens
    1
    Total rooms
    6
    Laundry level
    Main Level
  14. Exterior & construction

    6
    Exterior
    Vinyl Siding
    Roof
    Metal
    Foundation
    Poured Concrete
    View
    Lake, Panoramic, Water
    Waterfront
    Y
    Pool
    None
  15. Lot & land

    2
    Year built
    51-99
    Zoning
    Unorganized
  16. Listing & possession

    3
    Occupancy
    Flexible
    Property style
    Sidesplit
    Property class
    Rural Residential
  17. Room-by-room · 6 rooms

    Every room with its dimensions, level, and notable features.

    Room dimensions

    Main level

    5 rooms
    • Foyer
      8.5 × 8.0 ft
    • Primary Bedroom
      fireplace · french doors · north view
      19.3 × 15.9 ft
    • Bedroom 2
      8.0 × 11.1 ft
    • Dining Room
      Combined w/Family
      11.5 × 11.2 ft
    • Family Room
      combined w/dining · b/i bar
      20.3 × 11.5 ft

    Upper level

    1 room
    • Bedroom 3
      soaking tub · vaulted ceiling(s)
      11.1 × 17.0 ft
  18. Wooded/Treed
  19. Combined estimate
    $868
    Mortgage + tax · before condo / insurance

    Mortgage & affordability

    Today's best Canadian rates from Mortgage Squad, then a live calculator — adjust down payment, amortization, and rate, and email yourself the report.

    Today's rates · Powered by Mortgage Squad
    350+ lender access · Best rate matched in 2 min
    Lock my rate
    • Best
      5-yr Fixed · Insured
      4.09%
      0.40% below banks
    • 5-yr Fixed · Conventional
      4.34%
      APR · OAC
    • 3-yr Fixed · Conventional
      4.49%
      APR · OAC
    • 5-yr Variable · Variable
      4.85%
      APR · OAC
    Rates indicative · Updated today · OAC, subject to underwritingSee all Mortgage Squad rates →
    Affordability calculator
    Estimated monthly payment
    $835
    /mo
    based on the purchase price of $169,900
    $33,980 cash
    $135,920 financed
    $114,480 total interest
    Monthly payment$835/ month
    Principal54%$135,920
    Interest46%$114,480

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

    Email this mortgage report to yourself

    Save the full affordability breakdown — down payment, monthly, interest paid, and today's Mortgage Squad rate — in your inbox. Create a free Summitly account to save it, get rate-drop alerts, and build a shortlist.

    Create account & email meor send as guest
    Get pre-approved in minutes

    Know exactly what you can afford — a no-obligation pre-approval from Mortgage Squad.

    Get pre-approved

    Rental income & return

    What this home could rent for and the return at the asking price — an AI estimate against real property tax and condo fees.

    Est. monthly rent
    low–high
    Gross yield
    rent × 12 ÷ price
    Cap rate (est.)
    net of tax + fees

    AI estimate for discussion only — not an appraisal or investment advice. Yield and cap rate are derived from the estimated rent versus the asking price and real property tax.

    Comparable rural residentials that just sold in Kirkland Lake

    Swipe the closed sales, then use the table for a side-by-side $/sqft comparison against this home.

    • 61 Otto Road
      Sold
      Sign in for price
      61 Otto Road
      Rural Residential
    • 20411 Yost Road
      Sold
      Sign in for price
      20411 Yost Road
      Rural Residential
    • 5775 11 Highway
      Sold
      Sign in for price
      5775 11 Highway
      Rural Residential
    AddressBd / BaSqftSold$/sqft% of askSold
    Lot 3 Howard Lake IslandThis home3 / 111,001,500$169,900ask———
    61 Otto Road2 / 0700—
    20411 Yost Road2 / 0700—
    Sold prices are hidden under TRREB rules. Sign in to reveal them.
    AI-first listing data

    Zara's valuation, full price history, room insights, and live MLS® refresh — all in one feed. No more comparing 4 sites.

  20. One team, no handoffs

    Your realtor, mortgage broker, and offer-night closing team work side-by-side. One conversation, not three.

  21. Showings on YOUR schedule

    Same-day showings for shortlisted homes, evenings + weekends. Your Coldwell Banker Summit Realty agent coordinates with the listing brokerage.

  22. Mortgage that closes

    Pre-approval, rate hold, and 350+ lender access via Mortgage Squad Advisors — no juggling lender chats yourself.

  23. Public listing courtesy of ROYAL LEPAGE BEST CHOICE REALTY · displayed on Summitly per MLS® data-share rules

    Lot 3 Howard Lake Island is a 3-bedroom, 1-bath, 1100-1500 sqft. Full room dimensions and floor breakdown are in the 'Rooms' section of this page.

  24. When was Lot 3 Howard Lake Island built?

    Lot 3 Howard Lake Island was built in 51-99. Construction style, foundation, roof material, and EnerGuide rating (when published) are in the 'Features' section above.

  25. What is the property tax for Lot 3 Howard Lake Island?

    The 'Property tax' tab in the History section shows the most recent annual tax for Lot 3 Howard Lake Island plus a 5-year breakdown with YoY % change. Monthly equivalent is shown alongside.

  26. How much would the monthly mortgage be on Lot 3 Howard Lake Island?

    The affordability calculator on this page shows an estimated monthly mortgage for $169,900 at 20% down, 25-year amortization, and 5.5% rate. Adjust the sliders to model your own down payment and rate.

  27. Has Lot 3 Howard Lake Island been sold before?

    The 'Listing history' tab above lists every previous MLS® listing of Lot 3 Howard Lake Island with its list date, sold price (when sold), and final status. Each row is colour-coded with price-change arrows.

  28. What neighbourhood is Lot 3 Howard Lake Island in?

    Lot 3 Howard Lake Island is in KL Outside, Kirkland Lake. The 'Neighbourhood' section below links to the live Kirkland Lake real estate hub with average sold price, days on market, and current inventory.

  29. Is Kirkland Lake a good place to live?

    Kirkland Lake is one of ON's actively-tracked Summitly markets. The full Kirkland Lake real estate hub covers live average sold price, days on market, and neighbourhood-level inventory.

  30. 5775 11 Highway
    3 / 2
    1,500
    —