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196 Circle Road, Hastings Highlands, ON K0L 2K0

2+2 beds · 3 baths · 1 kitchen · 7+4 rooms · 13 parking spaces · 1100-1500 sq ft · Detached
$1,199,999
Property tax
$5,668 / year

Welcome to 196 Circle Rd on beautiful Lake St. Peter. A rare waterfront retreat where summer days stretch a little longer and every season brings a new adventure. Set on nearly an acre beside a quiet park, this property offers the perfect mix of privacy, year-round comfort, and endless room to enjoy the Cottage Country lifestyle to the fullest. Spend your days out on the water, evenings around the fire, and weekends exploring nearby ATV and snowmobile trails that make this an incredible four-season destination. Outdoor enthusiasts and hobbyists alike will love the massive 30' x 50' heated and insulated shop, complete with an 80,000 BTU heater and spacious loft above. There is more than enough room for boats, snowmobiles, ATVs, tools, and all the gear that comes with lake life. Inside, the home is warm, welcoming, and designed for gathering. A recently renovated kitchen anchors the main living space, while the main floor offers a comfortable primary suite and guest bedroom. Downstairs, the finished walkout basement adds two more bedrooms, a 3-piece washroom, and plenty of extra storage. The perfect setup for hosting family and friends all summer long. Built for easy, worry-free ownership, the property features a forced air furnace with heat pump, on-demand hot water, a deep drilled well, and a 14kW automatic backup generator. Step outside and soak in spectacular views across Lake St. Peter from nearly 100 feet of beautifully landscaped shoreline. Impressive stone retaining walls, a private sandy beach entry, and nearly new aluminum docks create the ultimate waterfront experience for swimming, boating, entertaining, and making unforgettable memories under the sun. Whether you are looking for a full-time waterfront home or the ultimate family getaway, 196 Circle Rd delivers everything people dream about when they picture summers at the lake.

MLS number
X13720232
Type
Detached
Status
Active
Bedrooms
4
Bathrooms
3
Postal code
K0L 2K0
Photos
47
Laundry
Not in the unit
16days · 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

Where this address sits, matched against open government data.

Matched to a published address point for this address.

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.

This neighbourhood

Statistics Canada 2021 Census, for the surrounding few blocks — about 354 people.

$64,500Median household income
91.4%Own their home
94.1%Detached houses
62Median age
7.8%Born outside Canada
14.1%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35120245 — the few blocks around this address, home to 354 people. It describes the area, not this property.

354Population
55.5Average age
2Household size
$92,000Average household income
$64,500Median household income
91%Own their home
9%Rent
0%Condominiums
8%Born outside Canada
14%University degree
$376,000Average home value
14%Low income
20%Never married
$10,000 to $14,9992%
$15,000 to $19,9992%
$20,000 to $24,9997%
$25,000 to $29,9995%
$30,000 to $34,9992%
$35,000 to $39,9995%
$40,000 to $44,9995%
$45,000 to $49,9995%
$50,000 to $59,9995%
$60,000 to $69,9997%
$70,000 to $79,9995%
$80,000 to $89,9997%
$90,000 to $99,9997%
$100,000 and over18%
$100,000 to $124,9997%
$125,000 to $149,9995%
$150,000 to $199,9995%
$200,000 and over5%

Percentages are of the 220 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.

$240,000 · minimum here is $95,000
$5,313.33per month
Borrowed before insurance$959,999
Total borrowed$959,999
Interest over 25 years at 4.5%$634,001

If you rented it out

-$5,785.67per month out of pocket
Rent$0.00
Everything it costs to hold$5,785.67
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 Royal LePage Real Estate Associates. Listing data provided by the Toronto Regional Real Estate Board.