Homula Realty Brokerage
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2905 County Rd 15 Road, Stone Mills, ON K0K 3G0

3 beds · 1 bath · 1 kitchen · 6 rooms · 6 parking spaces · 700-1100 sq ft · Rural Residential
$1,150,000
Property tax
$4,782 / year

WOW YOUR OWN PRIVATE LAKE!!! Very private location but accessible by paved municipal road. All year access, off grid home or cottage getaway. The lake is about acres and am told is 40+ feet deep. Great fishing for huge bass & pike, excellent swimming, kayaking, or just floating around in the boat and there is nicely finished bunkie/cabin at the lake with dock. The house is a bit away from the lake with 3 bedrooms upstairs, and main level featuring eat in kitchen, dining room, living room and 3 pc bath. Over the most recent few years house has had new windows, siding, plumbing, wiring, heating and more. The off grid set up is well designed by professional electrician with a generic 10,000 watt system but if so desire hydro lines are only about 3 poles away. The balance of the land is wooded naturally with one area of mature reforestation and has a small private gravel borrow pit. Don't miss this opportunity to have your home and recreation property all in one.

MLS number
X13543772
Type
Rural Residential
Status
Active
Bedrooms
3
Bathrooms
1
Postal code
K0K 3G0
Photos
50
65days · 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

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.

$230,000 · minimum here is $90,000
$5,091.95per month
Borrowed before insurance$920,000
Total borrowed$920,000
Interest over 25 years at 4.5%$607,585

If you rented it out

-$5,490.45per month out of pocket
Rent$0.00
Everything it costs to hold$5,490.45
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 CENTURY 21 LANTHORN REAL ESTATE LTD., BROKERAGE. Listing data provided by the Toronto Regional Real Estate Board.