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.

5620 County Rd 46 Road, Havelock-Belmont-Methuen, ON K0L 1Z0

4+1 beds · 3 baths · 1 kitchen · 7+3 rooms · 6 parking spaces · 1100-1500 sq ft · Detached
$799,900
Property tax
$4,028 / year

Welcome to your own piece of Kawartha waterfront on beautiful West Twin Lake! Set on 135 feet of shoreline, this versatile property offers two cottages - plenty of space for family, friends and guests to enjoy lakeside living together while still having room for privacy. Year-round municipal road access means a retreat you can enjoy in every season.The main four-season cottage features 4 bedrooms and 2 bathrooms, including a 2-piece bath on the main level and a 3-piece with walk-in shower. The spacious kitchen offers plenty of workspace and flows into the dining area and generous living room, where two propane fireplaces create a warm, inviting setting. A bright sunroom overlooking the lake is the perfect spot to relax and take in the views, with direct access to the expansive lakeside deck - ideal for morning coffee, dining outdoors or entertaining family and friends. This is a space designed for making memories.Closer to the water, the separate three-season guest cabin is an ideal private retreat, with 1 bedroom, kitchenette, sitting area and 3-piece bathroom - comfortable accommodations that give everyone their own space.Outside, a gentle sandy walk-out shoreline leads to a sandy beach - perfect for wading, swimming and easy in-and-out for all ages. Generous dock space rounds out the waterfront for swimming, boating, fishing and soaking up the sun. Additional features include a drilled well, septic system, portable generator backup, single-car garage and ample parking. Bordered on one side by municipal land for added privacy and no immediate neighbour on that side.Whether you're after a family cottage, a multi-generational getaway, a place to host friends or simply a peaceful seasonal escape, this West Twin Lake property offers the space, flexibility and setting to make cottage dreams a reality.

MLS number
X13757508
Type
Detached
Status
Active
Bedrooms
5
Bathrooms
3
Postal code
K0L 1Z0
Photos
41
4days · 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.

$159,980 · minimum here is $54,990
$3,541.78per month
Borrowed before insurance$639,920
Total borrowed$639,920
Interest over 25 years at 4.5%$422,615

If you rented it out

-$3,877.45per month out of pocket
Rent$0.00
Everything it costs to hold$3,877.45
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 LPT REALTY, BROKERAGE. Listing data provided by the Toronto Regional Real Estate Board.