Homula Realty Brokerage
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00 Mill Lake Road, North Kawartha, ON K0L 1A0

Vacant Land
$99,900
Property tax
$498 / year

2 separate lots for sale, side-by-side! Each property offers a serene, forested setting backing onto picturesque Mill Lake, providing a peaceful natural backdrop for your future getaway or year-round home. Located just minutes from the amenities of Apsley and surrounded by recreational opportunities including boating, fishing, and hiking. Seller has received verbal confirmation from the township that the lots are buildable, but this is not guaranteed. A rare opportunity to invest in the sought-after Kawartha Highlands area! Seller is willing to sell lots together or separately.

MLS number
X13092716
Type
Vacant Land
Status
Active
Bedrooms
0
Bathrooms
0
Postal code
K0L 1A0
Photos
17
Laundry
Not in the unit
134days · 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

This address could not be placed on the mapHomula matches addresses against open government address data, and this one found no match — so the map, the nearby schools and the school boundaries are all unavailable for this listing. It is a gap in our data, not a property without schools nearby.

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.

Work out the numbers

Everything below is calculated in your browser from figures you can change. Nothing is sent anywhere.

$19,980 · minimum here is $4,995
$442.34per month
Borrowed before insurance$79,920
Total borrowed$79,920
Interest over 25 years at 4.5%$52,781

If you rented it out

-$483.84per month out of pocket
Rent$0.00
Everything it costs to hold$483.84
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 MinCom Kawartha Lakes Realty Inc.. Listing data provided by the Toronto Regional Real Estate Board.