Homula Realty Brokerage
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12 Bedwell Drive, North Kawartha, ON K0L 3E0

2 beds · 1 bath · 1 kitchen · 8 rooms · 3 parking spaces · 1100-1500 sq ft · Laundry on the main level level · Detached
$795,000
Property tax
$6,767 / year

Solid 3-Season Cottage on Prestigious Stoney Lake. Enjoy the beauty of Stoney Lake from this well-maintained 3-season cottage featuring deep, clean, weed-free frontage with stunning southwesterly views. Surrounded by classic Canadian Shield landscape granite outcroppings and mature pine trees this property offers the perfect blend of natural beauty and privacy. Located on a year-round municipal road directly off Northeys Bay Road, and just minutes from the renowned Wildfire Golf Course. This cherished family cottage has been lovingly owned and enjoyed by the same family for over 30 years - a rare opportunity to create your own lasting memories on sought-after Stoney Lake.

MLS number
X13686106
Type
Detached
Status
Active
Bedrooms
2
Bathrooms
1
Postal code
K0L 3E0
Photos
50
Laundry
Main Level level
26days · 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

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 669 people.

$71,500Median household income
88.9%Own their home
92.2%Detached houses
59.6Median age
8.9%Born outside Canada
17.4%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35150229 — the few blocks around this address, home to 669 people. It describes the area, not this property.

669Population
53.2Average age
2.1Household size
$91,000Average household income
$71,500Median household income
89%Own their home
11%Rent
0%Condominiums
9%Born outside Canada
17%University degree
$655,000Average home value
11%Low income
16%Never married
Under $5,0002%
$10,000 to $14,9991%
$15,000 to $19,9992%
$20,000 to $24,9995%
$25,000 to $29,9993%
$30,000 to $34,9993%
$35,000 to $39,9993%
$40,000 to $44,9991%
$45,000 to $49,9995%
$50,000 to $59,9995%
$60,000 to $69,9993%
$70,000 to $79,9996%
$80,000 to $89,9993%
$90,000 to $99,9992%
$100,000 and over26%
$100,000 to $124,9999%
$125,000 to $149,9995%
$150,000 to $199,9998%
$200,000 and over7%

Percentages are of the 440 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.

$159,000 · minimum here is $54,500
$3,520.09per month
Borrowed before insurance$636,000
Total borrowed$636,000
Interest over 25 years at 4.5%$420,026

If you rented it out

-$4,084.00per month out of pocket
Rent$0.00
Everything it costs to hold$4,084.00
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 Ball Real Estate Inc.. Listing data provided by the Toronto Regional Real Estate Board.