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89 Kinders Lane Part 2/Lot 2, Brudenell, Lyndoch and Raglan, ON K0J 2N0

Vacant Land
$220,000

Part 2/Lot 2. Rare opportunity to own approximately 4.5 acres and 256 feet of shoreline on Charlotte Lake. This newly severed waterfront parcel features southeast exposure, mature forest, striking natural ridges, varied topography, and exceptional privacy. The shoreline offers sandy entry with deeper water further from shore, while the terrain creates a more rugged and natural waterfront setting with interesting landscape character. Charlotte Lake is approximately 270 acres in size and reaches depths of up to 80 feet in some areas, offering mainly trout and bass fishing. Hydro is available at the lot line and access is provided by private road via a deeded right of way. A compelling opportunity for buyers seeking a more private, nature-oriented waterfront property with future development potential for a cottage or residence. Township development agreement, and septic-related site assessment documents available. Docks allowed without a permit. Charlotte lake cottage association in place for road maintenance. Snowplowing will be split between year round residents/cottagers and cost subject to change year to year. Buyers to complete their own due diligence regarding permits, access, development requirements, building locations, and intended use. Less than 2 hours from Ottawa, 1 hour from Algonquin Park, and less than 30 minutes to Barry's Bay for full amenities. Information package available. Abutting property also available for sale transforming your property into over 11 acres with roughly 480 ft of waterfrontage MLS#4003690

MLS number
X13208208
Type
Vacant Land
Status
Active
Bedrooms
0
Bathrooms
0
Postal code
K0J 2N0
Photos
8
106days · this listing
106days · this property

This property has not been relisted in the last two years, so both counts are the same. Where they differ, the second adds up earlier listings at this address that ended without a sale.

Listing history

No previous listings found for this address.

Where this home is

Where this address sits, matched against open government data.

Estimated from the house-number range along this road: the right block of the right street, not the exact building. No address file publishes this house.

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.

This neighbourhood

Statistics Canada 2021 Census, for the surrounding few blocks — about 554 people.

$54,800Median household income
100%Own their home
96%Detached houses
55.6Median age
11.8%Born outside Canada
14%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35470299 — the few blocks around this address, home to 554 people. It describes the area, not this property.

554Population
49.5Average age
2.2Household size
$60,000Average household income
$54,800Median household income
100%Own their home
0%Rent
0%Condominiums
12%Born outside Canada
14%University degree
$320,000Average home value
24%Low income
20%Never married
Under $5,0002%
$10,000 to $14,9992%
$20,000 to $24,9997%
$25,000 to $29,9995%
$30,000 to $34,9993%
$35,000 to $39,9997%
$40,000 to $44,9995%
$45,000 to $49,9995%
$50,000 to $59,9997%
$60,000 to $69,9995%
$70,000 to $79,9997%
$80,000 to $89,9995%
$90,000 to $99,9993%
$100,000 and over19%
$100,000 to $124,9997%
$125,000 to $149,9995%
$150,000 to $199,9993%
$200,000 and over3%

Percentages are of the 295 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.

$44,000 · minimum here is $11,000
$974.11per month
Borrowed before insurance$176,000
Total borrowed$176,000
Interest over 25 years at 4.5%$116,234

If you rented it out

Monthly rent starts from a rule of thumb — two per cent of the asking price a year — because no comparable lease was found nearby. Change it to anything you like.

-$607.11per month out of pocket
Rent$367.00
Everything it costs to hold$974.11
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 Sotheby's International Realty Canada. Listing data provided by the Toronto Regional Real Estate Board.