Homula Realty Brokerage
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897 172 WA Horseshoe Lake, Seguin, ON P2A 2W8

4 beds · 1 bath · 1 kitchen · 8 rooms · 700-1100 sq ft · Detached
$499,900
Property tax
$1,305 / year

For the first time in over a century, this Horseshoe Lake cottage is being offered for sale. Water-access only and held by the same family since the 1920s, it's the kind of property that defines authentic cottage country. The classic two-storey layout offers four bedrooms on the second level, with pine-lined interiors and pine floors that bring warmth throughout. The large front porch is the centrepiece, a natural gathering spot with expansive south-facing views over the lake. The gently sloping lot leads to a rocky shoreline and a single-slip boathouse at the water's edge. Just minutes by boat from Horseshoe Pines Marina, this is a rare opportunity to step into a cottage with history, character, and a location that makes lake life simple.

MLS number
X13117214
Type
Detached
Status
Active
Bedrooms
4
Bathrooms
1
Postal code
P2A 2W8
Photos
43
Laundry
Not in the unit
125days · 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.

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

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 599 people.

$85,000Median household income
87.5%Own their home
97.9%Detached houses
46.8Median age
8.3%Born outside Canada
15.9%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35490225 — the few blocks around this address, home to 599 people. It describes the area, not this property.

599Population
43.8Average age
2.5Household size
$88,000Average household income
$85,000Median household income
88%Own their home
13%Rent
0%Condominiums
8%Born outside Canada
16%University degree
$496,000Average home value
6%Low income
60%Not in the labour force
19%Never married
Under $5,0001%
$30,000 to $34,9991%
$35,000 to $39,9993%
$40,000 to $44,9993%
$45,000 to $49,9991%
$50,000 to $59,9996%
$60,000 to $69,9997%
$70,000 to $79,9997%
$80,000 to $89,9994%
$90,000 to $99,9993%
$100,000 and over31%
$100,000 to $124,99912%
$125,000 to $149,9999%
$150,000 to $199,9996%
$200,000 and over3%

Percentages are of the 335 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.

$99,980 · minimum here is $24,995
$2,213.45per month
Borrowed before insurance$399,920
Total borrowed$399,920
Interest over 25 years at 4.5%$264,115

If you rented it out

-$2,322.20per month out of pocket
Rent$0.00
Everything it costs to hold$2,322.20
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 RE/MAX Parry Sound Muskoka Realty Ltd. Listing data provided by the Toronto Regional Real Estate Board.