Homula Realty Brokerage
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909 Ashby lake WA, Addington Highlands, ON K0H 1K0

3 beds · 1 bath · 1 kitchen · 7 rooms · 1 parking space · 700-1100 sq ft · Detached
$529,000
Property tax
$3,544 / year

Escape to your own private island in beautiful Ashby Lake! Step back in time to a simpler way of life This cozy cottage is off the grid. Play family games, catch frogs, fish for bass and trout. Go for a quiet paddle in your canoe, kayak, or paddle board. Enjoy tubing, waterskiing and sunset cruising. This property is almost 5 acres with lots of potential. The 3 bedroom main cottage has a wrap-around enclosed summer porch and a huge living room with a grand stone fireplace. A winterized bunkie overlooking the lake has room for 4 guests. All buildings have steel roofs. No need to re-shingle ever... Everything is included for you to start your cottage adventures.

MLS number
X13127600
Type
Detached
Status
Active
Bedrooms
3
Bathrooms
1
Postal code
K0H 1K0
Photos
39
121days · 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

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.

$105,800 · minimum here is $27,900
$2,342.30per month
Borrowed before insurance$423,200
Total borrowed$423,200
Interest over 25 years at 4.5%$279,489

If you rented it out

-$2,637.63per month out of pocket
Rent$0.00
Everything it costs to hold$2,637.63
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 SUTTON GROUP-HERITAGE REALTY INC.. Listing data provided by the Toronto Regional Real Estate Board.