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80 Spruce Drive, Temagami, ON P0H 2H0

3 beds · 2 baths · 1 kitchen · 5+2 rooms · 5 parking spaces · 700-1100 sq ft · Detached
$279,900
Property tax
$3,226 / year

Welcome to 80 Spruce Drive in the heart of Temagami North! This well-maintained raised bungalow offers comfortable living on a beautiful treed lot, just steps from the Temagami Arena, public beach, ball field, playground, and the public boat launch on Net Lake. The home features 3 bedrooms and 1.5 bathrooms, making it an ideal option for families, retirees, or those seeking a recreational retreat. The main level offers bright and functional living spaces, while the unfinished lower level provides excellent potential for additional living space. A workshop area in the basement could easily be converted into a fourth bedroom, home office, or hobby room. The basement also includes a convenient powder room, along with a cozy natural gas fireplace. Glimpse Net Lake's picturesque beauty through your kitchen window. Additional highlights include an asphalt shingle roof, forced-air natural gas heating, on-demand hot water, and ample outdoor storage with a covered shed. Enjoy small-town living with year-round recreation right at your doorstep, including boating, fishing, snowmobiling, and community amenities just a short walk away.

MLS number
X13555356
Type
Detached
Status
Active
Bedrooms
3
Bathrooms
2
Postal code
P0H 2H0
Photos
34
Laundry
Not in the unit
61days · 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.

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.

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 862 people.

$65,000Median household income
82.6%Own their home
79.1%Detached houses
61.2Median age
6.1%Born outside Canada
15.4%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35480178 — the few blocks around this address, home to 862 people. It describes the area, not this property.

862Population
55.2Average age
1.9Household size
$84,800Average household income
$65,000Median household income
83%Own their home
17%Rent
0%Condominiums
6%Born outside Canada
15%University degree
$297,000Average home value
12%Low income
14%Never married
$10,000 to $14,9992%
$15,000 to $19,9992%
$20,000 to $24,9994%
$25,000 to $29,9995%
$30,000 to $34,9993%
$35,000 to $39,9995%
$40,000 to $44,9995%
$45,000 to $49,9994%
$50,000 to $59,9998%
$60,000 to $69,9995%
$70,000 to $79,9995%
$80,000 to $89,9995%
$90,000 to $99,9995%
$100,000 and over21%
$100,000 to $124,9998%
$125,000 to $149,9994%
$150,000 to $199,9994%
$200,000 and over4%

Percentages are of the 560 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.

$55,980 · minimum here is $13,995
$1,239.34per month
Borrowed before insurance$223,920
Total borrowed$223,920
Interest over 25 years at 4.5%$147,881

If you rented it out

-$1,508.17per month out of pocket
Rent$0.00
Everything it costs to hold$1,508.17
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 Blue Sky Region Realty Inc., Brokerage. Listing data provided by the Toronto Regional Real Estate Board.