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992 White Lake Shore North, Lanark Highlands, ON K0A 3L0

3 beds · 2 baths · 1 kitchen · 8 rooms · 1100-1500 sq ft · Laundry on the main level level · Detached
$449,900
Property tax
$3,652 / year

Escape to your own private waterfront retreat on the beautiful north shore of White Lake. Accessible by boat only, this charming chalet style cottage is an ideal getaway for families, outdoor enthusiasts, or anyone looking to disconnect from the everyday. Built in 1993 and situated on approximately one acre, this well maintained seasonal property features 3 bedrooms, 1.5 bathrooms, 2 private decks, as well as a large primary wrap around deck. This property provides plenty of space to host family and friends. Enjoy the comforts of home with a drilled well, full hydro service, and a fully functioning septic system allowing you to spend more time relaxing and less time worrying about cottage conveniences. Inside, you will find a cozy wood-burning fireplace, creating the perfect atmosphere on cool evenings. A heat pump provides efficient heating and cooling, ensuring comfort throughout the cottage season. Large windows invite natural light inside while offering beautiful views of the surrounding landscape and waterfront. Step outside and immerse yourself in everything White Lake has to offer. Covering more than 22 square kilometres, White Lake is renowned for its excellent fishing, boating, swimming, kayaking, and endless opportunities to explore. Whether you're casting a line at sunrise, enjoying an afternoon cruise, or gathering around the fire after a day on the water, every day feels like a vacation. If you've been searching for a true cottage experience without sacrificing modern conveniences, this exceptional property delivers. Surrounded by nature, offering incredible waterfront recreation, this is the perfect place to create lasting memories for generations to come.

MLS number
X13611990
Type
Detached
Status
Active
Bedrooms
3
Bathrooms
2
Postal code
K0A 3L0
Photos
37
Laundry
Main Level level
46days · 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

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.

$89,980 · minimum here is $22,495
$1,992.06per month
Borrowed before insurance$359,920
Total borrowed$359,920
Interest over 25 years at 4.5%$237,698

If you rented it out

-$2,296.39per month out of pocket
Rent$0.00
Everything it costs to hold$2,296.39
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 SOLID ROCK REALTY. Listing data provided by the Toronto Regional Real Estate Board.