4292 Graham Road, Severn, ON L0K 1E0
- Property tax
- $2,533 / year
Welcome to your waterfront retreat! This is where your mornings begin with a coffee on the newer built deck overlooking beautiful Tea Lake, just a short 1.5-hour drive from Toronto. This charming classic four-season "Panabode" cottage/home is renowned for its long-lasting, high quality construction. The Panabode cottage/home is equipped with A/C for those hot summer days and nights. A cozy wood stove provides ambiance and plenty of heat after a day of snowmobiling, skiing or simply walking on the well-maintained private road. To enjoy this lovely cottage/home with confidence and ease, recent upgrades include a new heated water line and newer windows throughout. Stainless steel appliances enhance the well appointed kitchen. Relax on your dock throughout the day and enjoy the shallow, sandy waterfront, perfect for younger children and pets, with deeper water at the end of the dock for swimming. Whether you are looking for a quiet weekend escape or a place to experience all four seasons, this charming Panabode on the exceptionally clean Tea Lake, is ready for its next chapter.
- MLS number
- S13764928
- Type
- Detached
- Status
- Active
- Bedrooms
- 2
- Bathrooms
- 1
- Postal code
- L0K 1E0
- Photos
- 32
This home has been listed 2 times in the last two years. "This property" adds up the days each of those listings was actually on the market before being withdrawn, suspended or expiring — the quiet months between them are not counted.
Property details
As filed by the listing brokerage. Anything the board left blank is left out rather than shown as unknown — and none of it is guaranteed accurate by PropTx, so verify what you rely on.
Property
- Type
- Detached
- Style
- Bungalow
- Class
- Residential Freehold
- Age
- 51-99
- Fronting on
- South
- Community
- Rural Severn
- Municipality
- Severn
- Cross street
- Whites Falls Rd & Graham Rd
- Zoning
- SR3
Inside
- Bedrooms
- 2
- Bedrooms above grade
- 2
- Bathrooms
- 1
- Washrooms
- 1 on the main floor
- Kitchens
- 1
- Rooms above grade
- 5
- Fireplace
- Yes
- Fireplaces
- 1
- Basement
- None
- Size
- < 700
Building
- Construction
- Board & Batten , Wood
- Roof
- Metal
- Foundation
- Piers, Unknown
- Other structures
- Garden Shed
Parking
- Covered spaces
- 0
- Driveway spaces
- 5
- Total parking
- 5
- Features
- Available, Front Yard Parking, Private, Private Triple
Land
- Lot
- 87.91 × 260.46 feet
- Waterfront
- Yes
- View
- Clear
- Pool
- None
Heating, cooling and services
- Heating
- Baseboard
- Heat source
- Electric
- Cooling
- Window Unit(s)
- Water
- Other
- Sewer
- Septic
- Electricity
- Yes
- Gas
- No
- Cable
- No
Features
- Property
- Clear View, Golf, Level, Library, Marina, Place Of Worship
- Interior
- Carpet Free, Primary Bedroom - Main Floor, Separate Hydro Meter, Water Heater, Water Heater Owned
- Exterior
- Deck, Fishing, Privacy, Year Round Living
Listing
- MLS number
- S13764928
- Status
- New
- Previous status
- Draft
- Listed on
- 2026-09-09
- Expires
- 2026-11-30
- Taxes
- $2,533 (2025)
- Board
- One Point Association of REALTORS
Listing history
This address has been listed 2 times.
Where this home 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
The market around this home
Detached houses in Rural Severn — 148 sales over the last five years.
How these are built, and what they cannot tell you
Each point is the median of the sales that closed in that quarter among detached houses in rural severn. A quarter with fewer than eight is left out rather than drawn, and the line breaks where that happens — a median over three sales is really one home’s price, and joining across a gap would draw a number nobody measured.
This is not an estimate of what this home is worth. The segment is a property type in an area; it takes no account of this home’s size, condition, renovations, lot, exposure or how it compares to its neighbours, and half the homes in any quarter sold for more than the median and half for less. It is context for a conversation with an agent, not a valuation.
Toronto Regional Real Estate Board closed transactions. Deemed reliable but not guaranteed accurate by PropTx.
This neighbourhood
Statistics Canada 2021 Census, for the surrounding few blocks — about 808 people.
The neighbourhood, by the census
Statistics Canada 2021 Census for dissemination area 35431385 — the few blocks around this address, home to 808 people. It describes the area, not this property.
Percentages are of the 525 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.
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.
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.