Homula Realty Brokerage
The information provided herein must only be used by consumers that have a bona fide interest in the purchase, sale, or lease of real estate and may not be used for any commercial purpose or any other purpose.

146 Centre Road, Hastings Highlands, ON K0L 2K0

2 beds · 1 bath · 1 kitchen · 7 rooms · 5 parking spaces · 700-1100 sq ft · Detached
$719,900
Property tax
$4,155 / year

Welcome to 146 Centre Road at Lake St. Peter, a perfect place to live and play North of Bancroft. This 3-bedroom bungalow offers year-round access and is located on a private, level lot with exceptional water views with 250 feet of waterfront. The sand beach is perfect for swimming and launching kayaks or boats. Unwind on the covered porch or enjoy the wide view of the lake from the open dining and living rooms. Many recent updates include a recently installed propane furnace, windows, deck, metal roof and water pump. A large garage with a loft and an additional building is ideal for extra storage or a workshop. This is a four-season waterfront home that is a blank canvas for your family memories.

MLS number
X13739238
Type
Detached
Status
Active
Bedrooms
2
Bathrooms
1
Postal code
K0L 2K0
Photos
30
Laundry
Not in the unit
14days · 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.

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.

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 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.

$143,980 · minimum here is $46,990
$3,187.56per month
Borrowed before insurance$575,920
Total borrowed$575,920
Interest over 25 years at 4.5%$380,348

If you rented it out

-$3,533.81per month out of pocket
Rent$0.00
Everything it costs to hold$3,533.81
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 Reva Realty Inc.. Listing data provided by the Toronto Regional Real Estate Board.