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222 O'Reilly Lane, Kawartha Lakes, ON K0M 2C0

2 beds · 1 bath · 1 kitchen · 7 rooms · 7 parking spaces · 700-1100 sq ft · Rural Residential
$689,000
Property tax
$3,139 / year

Welcome to year-round waterfront living on Lake Scugog, part of the renowned Trent-Severn Waterway. This well-maintained 2-bedroom home with main-floor laundry and a versatile den-ideal for a home office-offers comfortable, low-stress lakeside living.The functional interior features a modernized kitchen with granite countertops and stainless steel appliances, plus year-round comfort with propane forced-air heating, central air conditioning, and upgraded attic insulation.Enjoy the outdoors with a saltwater inground pool, aluminum and cedar dock, and a newer bunkie with loft and metal roof-perfect for hosting guests. An oversized detached 1-car garage with metal roof provides ample space for storage and recreational gear.Extensively maintained with key upgrades including a Class 4 septic system, upgraded drilled well, whole-home water purification system, 200-amp electrical service, and a new pool pump, offering peace of mind and ease of ownership.Ideal for downsizers, professionals, or weekenders seeking a lifestyle property-not a project-on one of Ontario's most celebrated waterways.

MLS number
X12943082
Type
Rural Residential
Status
Active
Bedrooms
2
Bathrooms
1
Postal code
K0M 2C0
Photos
50
164days · 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.

This neighbourhood

Statistics Canada 2021 Census, for the surrounding few blocks — about 1,102 people.

$113,000Median household income
92.1%Own their home
97.4%Detached houses
46Median age
8%Born outside Canada
8.2%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35160212 — the few blocks around this address, home to 1,102 people. It describes the area, not this property.

1,102Population
43.4Average age
2.7Household size
$117,600Average household income
$113,000Median household income
92%Own their home
8%Rent
0%Condominiums
8%Born outside Canada
8%University degree
$800,000Average home value
4%Low income
71%Not in the labour force
21%Never married
Under $5,0002%
$10,000 to $14,9991%
$20,000 to $24,9991%
$25,000 to $29,9991%
$30,000 to $34,9992%
$35,000 to $39,9991%
$40,000 to $44,9992%
$45,000 to $49,9992%
$50,000 to $59,9993%
$60,000 to $69,9993%
$70,000 to $79,9993%
$80,000 to $89,9994%
$90,000 to $99,9994%
$100,000 and over36%
$100,000 to $124,9998%
$125,000 to $149,9996%
$150,000 to $199,99911%
$200,000 and over10%

Percentages are of the 610 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.

$137,800 · minimum here is $43,900
$3,050.74per month
Borrowed before insurance$551,200
Total borrowed$551,200
Interest over 25 years at 4.5%$364,023

If you rented it out

-$3,312.33per month out of pocket
Rent$0.00
Everything it costs to hold$3,312.33
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 Kawartha Lakes Realty Inc.. Listing data provided by the Toronto Regional Real Estate Board.