Homula Realty Brokerage
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455 Deyell Road, Otonabee-South Monaghan, ON K9J 6X7

Investment
$2,999,900

Set on approximately 16 acres along the beautiful Otonabee River, this Tourism Commercial (TC) zoned waterfront property offers a unique opportunity just 10 minutes from Peterborough and approximately 2 hours from the GTA. Featuring three separate cottages, this versatile property is well suited for extended family living, investment, or hospitality use, subject to applicable approvals and zoning.The main A-frame cottage features 3 bedrooms, 2 bathrooms, an open-concept layout, newer shingles, a spacious deck, and a hot tub overlooking the property. The second cottage offers 1 bedroom, 1 bathroom, and a metal roof. The third cottage includes 5 bedrooms, 2 bathrooms, 2 kitchens, open-concept living areas, separate entrances, a covered deck, hot tub, and propane furnace.Additional features include a drywalled 3-bay garage with a metal roof, private boat launch, and direct access to the Otonabee River.The cottages are currently operated as short-term accommodations and have established booking history. Vendor Take Back (VTB) financing may be available to qualified purchasers.

MLS number
X13108792
Type
Investment
Status
Active
Bedrooms
Bathrooms
Postal code
K9J 6X7
Photos
48
Property tax
$10,270 / year
126days · 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

No previous listings found for this address.

Where this property is

Where this address sits, matched against open government data.

Approximate — placed from the postal code, which can cover a block or more.

Schools

The school boundaries this address is inside, and the schools nearest it. Boards redraw boundaries and cap programs — confirm with the board before this affects a decision.

Other schools nearby

By distance from this address, not school boundary — a school 400 m away can be in another school’s attendance area.

SchoolLevelDistanceRating
Monsignor O'Donoghue Catholic Elementary School
Peterborough Victoria Northum Clarington CDSB
Elementary1.7 km6.4 / 10
64% met the standard
Otonabee Valley Public School
Kawartha Pine Ridge DSB
Elementary1.8 km4.7 / 10
47% met the standard
St. Patrick Catholic Elementary School
Peterborough Victoria Northum Clarington CDSB
Elementary2.0 km6.1 / 10
61% met the standard
How the rating is calculated

EQAO — Ontario’s testing agency — publishes, for each school, the percentage of students meeting the provincial standard in Grade 3 and Grade 6 reading, writing and mathematics. The rating is the average of those percentages divided by ten. A school where 72% of students met the standard rates 7.2 out of 10.

Nothing is weighted or adjusted, and schools are not ranked against each other. Where EQAO withholds a result to protect the privacy of a small group of students, that measure is left out rather than counted as zero — so a rating built on fewer than six measures says so.

What it does not measure. It is one year of standardised testing in three subjects. It says nothing about teaching, programs, or whether a school suits a particular child, and it tracks neighbourhood household income closely enough that it partly measures the neighbourhood rather than the school. Treat it as one figure among many.

Source: Ontario Ministry of Education, School Information and Student Demographics (2024–25), Open Government Licence – Ontario.

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.

What an H-Value is and how it is calculated — the method and our measured error, no account needed.

This neighbourhood

Statistics Canada 2021 Census, for the surrounding few blocks — about 474 people.

$70,000Median household income
76.5%Own their home
40.5%Detached houses
37.2Median age
9.8%Born outside Canada
12.5%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35150326 — the few blocks around this address, home to 474 people. It describes the area, not this property.

474Population
38.4Average age
2.6Household size
$88,000Average household income
$70,000Median household income
77%Own their home
24%Rent
41%Condominiums
10%Born outside Canada
13%University degree
$390,000Average home value
12%Low income
54%Not in the labour force
32%Never married
$20,000 to $24,9994%
$25,000 to $29,9992%
$30,000 to $34,9992%
$35,000 to $39,9994%
$40,000 to $44,9992%
$45,000 to $49,9994%
$50,000 to $59,9997%
$60,000 to $69,99911%
$70,000 to $79,9997%
$80,000 to $89,9994%
$90,000 to $99,9992%
$100,000 and over24%
$100,000 to $124,99911%
$125,000 to $149,9997%
$150,000 to $199,9994%
$200,000 and over2%

Percentages are of the 225 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.

$599,980 · minimum here is $599,980
$13,282.91per month
Borrowed before insurance$2,399,920
Total borrowed$2,399,920
Interest over 25 years at 4.5%$1,584,952

If you rented it out

-$14,138.74per month out of pocket
Rent$0.00
Everything it costs to hold$14,138.74
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 Exp Realty. Listing data provided by the Toronto Regional Real Estate Board.