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South Lot 18863 KAWAGAMA LAKE NORTH SHORE, Algonquin Highlands, ON P0A 1E0

Vacant Land
$880,000
Property tax
$2,796 / year

Discover an exceptional opportunity to build your dream waterfront cottage on prestigious Kawagama Lake. This 2.1-acre waterfront vacant lot offers 300 feet of stunning south-facing rocky shoreline in the peaceful setting of Fletcher Bay with extraordinary privacy and breathtaking lake views. As the largest lake in Haliburton County, Kawagama Lake is beloved for its expansive, clear waters, rugged natural beauty, and outstanding recreational opportunities, including boating, swimming, and fishing. The area is well known for excellent fishing and endless opportunities to explore the outdoors, with nearby Crown land trails ideal for year-round adventure and nature recreation. The property has a recent 2023 Survey and a 2022 Environmental Impact Study & Wildland Fire Hazard Assessment completed, allowing you to hit the ground running with your future building plans. There is a road allowance to the east of the subject property that could be purchased with appropriate approvals. Directly behind this property is another waterfront lot (North Lot) for sale; please contact the listing agent for more information.

MLS number
X13158128
Type
Vacant Land
Status
Active
Bedrooms
0
Bathrooms
0
Postal code
P0A 1E0
Photos
23
Laundry
Not in the unit
115days · 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.

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 589 people.

$82,000Median household income
93%Own their home
98.2%Detached houses
58Median age
12.9%Born outside Canada
14.7%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35440245 — the few blocks around this address, home to 589 people. It describes the area, not this property.

589Population
51.7Average age
2.1Household size
$86,000Average household income
$82,000Median household income
93%Own their home
7%Rent
0%Condominiums
13%Born outside Canada
15%University degree
$645,000Average home value
8%Low income
62%Not in the labour force
17%Never married
$15,000 to $19,9991%
$20,000 to $24,9991%
$25,000 to $29,9993%
$30,000 to $34,9994%
$35,000 to $39,9993%
$40,000 to $44,9993%
$45,000 to $49,9995%
$50,000 to $59,9995%
$60,000 to $69,9995%
$70,000 to $79,9995%
$80,000 to $89,9996%
$90,000 to $99,9994%
$100,000 and over28%
$100,000 to $124,99911%
$125,000 to $149,9996%
$150,000 to $199,9996%
$200,000 and over5%

Percentages are of the 400 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.

$176,000 · minimum here is $63,000
$3,896.45per month
Borrowed before insurance$704,000
Total borrowed$704,000
Interest over 25 years at 4.5%$464,935

If you rented it out

-$4,129.45per month out of pocket
Rent$0.00
Everything it costs to hold$4,129.45
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 Corcoran Horizon Realty. Listing data provided by the Toronto Regional Real Estate Board.