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1023 Pepper Lane, Frontenac, ON K0H 2W0

3 beds · 2 baths · 1 kitchen · 18 rooms · 13 parking spaces · 3000-3500 sq ft · Laundry on the main level level · Detached
$1,200,000
Property tax
$4,446 / year

Over 1,000 feet of waterfront on Howes Lake, 24 acres to explore, and a home that has been completely reimagined from top to bottom. Renovated between 2020 and 2021, this one-of-a-kind property combines modern design with carefully preserved character, including original barn beams reclaimed from a century-old barn in Godfrey. The heart of the home is the expansive kitchen, where a massive quartz island, vaulted ceilings, and open sightlines create a space designed for gathering. A propane fireplace and bright breakfast area add warmth and function to the upper-level living space, while every principal room is connected to the surrounding landscape. Walkouts lead to both the upper and lower decks, offering plenty of space to entertain, unwind, and enjoy views of the water, mature trees, and natural surroundings.The layout offers over 3,200 square feet of living space, including a loft overlooking the main living area, a spacious primary suite with a Juliet balcony, and a welcoming lower-level family room complete with a propane fireplace and wet bar. Outside, large private docks provide ample space for boats, swimming, and making the most of life on the water.With a drilled well and tile bed updated in 2022, a steel roof, heat pump, attached double garage with a third bay, and extensive updates throughout, this is a property where the work has already been done, leaving more time to enjoy the setting that makes it truly special.

MLS number
X13584992
Type
Detached
Status
Active
Bedrooms
3
Bathrooms
2
Postal code
K0H 2W0
Photos
50
Laundry
Main Level level
54days · 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 3 times.

Sale history is for registered usersSee what this address sold for and when, across all 3 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.

The market around this home

Detached houses in 47 - Frontenac South — 431 sales over the last five years.

Median sold priceWhat comparable homes actually sold for
$522k$868k$1.21M20252026this home’s asking price
$614klatest quarter · hover to read any
Sold vs askingAbove 100% means bidding wars were normal
96%98%100%20252026the asking price
97%latest quarter · hover to read any
Days to sellMedian days on market before the deal closed
-1d21d43d20252026
24dlatest quarter · hover to read any
How these are built, and what they cannot tell you

Each point is the median of the sales that closed in that quarter among detached houses in 47 - frontenac south. A quarter with fewer than eight is left out rather than drawn, and the line breaks where that happens — a median over three sales is really one home’s price, and joining across a gap would draw a number nobody measured.

This is not an estimate of what this home is worth. The segment is a property type in an area; it takes no account of this home’s size, condition, renovations, lot, exposure or how it compares to its neighbours, and half the homes in any quarter sold for more than the median and half for less. It is context for a conversation with an agent, not a valuation.

Toronto Regional Real Estate Board closed transactions. Deemed reliable but not guaranteed accurate by PropTx.

Work out the numbers

Everything below is calculated in your browser from figures you can change. Nothing is sent anywhere.

$240,000 · minimum here is $95,000
$5,313.34per month
Borrowed before insurance$960,000
Total borrowed$960,000
Interest over 25 years at 4.5%$634,002

If you rented it out

-$5,683.84per month out of pocket
Rent$0.00
Everything it costs to hold$5,683.84
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 KELLER WILLIAMS INSPIRE REALTY, BROKERAGE. Listing data provided by the Toronto Regional Real Estate Board.