Homula Realty Brokerage
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857 West Kosh Road, Havelock-Belmont-Methuen, ON K0L 2H0

3 beds · 2 baths · 1 kitchen · 5 rooms · 12 parking spaces · 1500-2000 sq ft · Laundry on the main level level · Detached
$1,195,000
Property tax
$4,712 / year

Welcome to Lily Pad Bay on Lake Kasshabog! Enjoy stunning views of pristine Crown Land from this special property, both in front and beside it. It checks all your boxes, leaving nothing to be desired. This property could be your full-time home or your escape in the woods.Experience a lakeside living lifestyle with a private beach, your own boat launch, and a large fire pit area. The Boathouse features its own water system and marine rail ready for your watercraft of choice. The 2nd floor of the boathouse area is waiting for your creative use whether it be an art studio, storage, or another space to hang out with a view. Access is easy all year-round on a plowed township road leading to a paved driveway with a bonus paved turnaround and plenty of parking, even for all your trailers and toys. The outdoor life style is unmatched with a standalone sauna building, a large sand pit/playing area, a wood shed, and a detached shop. Inside, find 2020 kitchen/appliance upgrades, Starlink Wi-Fi, and a full UV water filtration system. Stay cozy with three heat sources: a heat pump, an electric furnace,and a wood stove. Enjoy worry-free living with a new 2026 metal roof, a Generlink system with cable, and a 2018 septic. To top it all off, it comes furnished! What more could you ask for?

MLS number
X13764932
Type
Detached
Status
Active
Bedrooms
3
Bathrooms
2
Postal code
K0L 2H0
Photos
58
Laundry
Main Level level
2days · 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.

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 947 people.

$84,000Median household income
91.4%Own their home
98.8%Detached houses
56Median age
6.8%Born outside Canada
14.2%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35150231 — the few blocks around this address, home to 947 people. It describes the area, not this property.

947Population
50Average age
2.3Household size
$98,000Average household income
$84,000Median household income
91%Own their home
9%Rent
0%Condominiums
7%Born outside Canada
14%University degree
$618,000Average home value
15%Low income
19%Never married
$15,000 to $19,9993%
$20,000 to $24,9992%
$25,000 to $29,9993%
$30,000 to $34,9992%
$35,000 to $39,9994%
$40,000 to $44,9992%
$45,000 to $49,9993%
$50,000 to $59,9994%
$60,000 to $69,9996%
$70,000 to $79,9995%
$80,000 to $89,9995%
$90,000 to $99,9996%
$100,000 and over27%
$100,000 to $124,9998%
$125,000 to $149,9997%
$150,000 to $199,9997%
$200,000 and over5%

Percentages are of the 565 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.

$239,000 · minimum here is $94,500
$5,291.20per month
Borrowed before insurance$956,000
Total borrowed$956,000
Interest over 25 years at 4.5%$631,360

If you rented it out

-$5,683.87per month out of pocket
Rent$0.00
Everything it costs to hold$5,683.87
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 Proalliance Realty. Listing data provided by the Toronto Regional Real Estate Board.