$1.85M · 4+2 bed Detached · Rural Scugog, Scugog

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About this home

Rare stunning Lake Scugog waterfront property. This custom built bungalow with a three car garage features four bedrooms on the main floor and two additional bedrooms in the fully finished basement. The basement includes a second full kitchen, a large recreational area, and a walkout to over half an acre of land with more than 135 feet of hard bottom shoreline-ideal for swimming, boating, fishing, ice fishing, skating, and snowmobiling. A spacious veranda off the main kitchen offers breathtaking…

Property details

MLS#

E13135164

Status

Buy Now

Beds

4+2

Baths

4 full, 0 half

Size

2000-2500

Style

Bungalow

Type

Detached

Year built

—

Roof: Shingles
Foundation: Poured Concrete
Property features: Lake Access, Lake/Pond, Marina, Waterfront

Fireplace features: Natural Gas

Waterfront: Yes
Water view: Direct
Water body: Lake Scugog
Water frontage: 43.59 ft
Shoreline: Clean
Waterfront features: Other

Garage: 3-car Attached
Garage spaces: 3
Parking: 12 total
Lot: 141.08 × 210.68
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Pool: No
Exterior: Brick
Fronting on: West
Cross street: Island Road & Fralick's Beach Road
Basement: Finished with Walk-Out
Stories: —
Utilities: —
Laundry: —
Interior: In-Law Capability
Parking features: Private Triple

Rooms

Level	Room	Dimensions
Main	Kitchen	3.28m × 4.92m
Main	Breakfast	2.37m × 4.37m
Main	Dining Room	2.94m × 3.89m
Main	Family Room	3.24m × 3.89m
Main	Living Room	4.76m × 7.39m
Main	Primary Bedroom	4.76m × 5.57m
Main	Bedroom 2	3.79m × 4.05m
Main	Bedroom 3	4.76m × 3.27m
Main	Bedroom 4	3.73m × 3.2m
Lower	Kitchen	5.7m × 4.06m
Lower	Recreation	5.13m × 6.72m
Lower	Game Room	4.76m × 6.72m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $1,849,900✓ $11,521 tax✓ Gas✓ 2000-2500 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$13,280/mo

incl. closing costs (yr 1)

Annual total

$159,358

year 1

Mortgage only

$7,018/mo

principal + interest

Beyond mortgage

$3,014/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$369,980

20%+ required — no CMHC insurance on $1.5M+ homes

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$960/mo

Utilities

Hydro / electricity$158/mo

≈ $0.07/ft² × ~2,250 ft² · ON avg ~$158/mo

Gas$125/mo

Typical ON gas-heated home · ~$125/mo

Water / sewer$60/mo

ON municipal avg ~$60/mo

Internet / TV / phone$70/mo

ON internet/TV avg ~$70/mo

Maintenance & upkeep

Maintenance reserve1.0%$18,499/yr

1% of value/yr — standard reserve

Landscaping & snow$0/mo

Landscaping & snow removal · $0 default

Home insurance$100/mo

$100/mo default · adjust for your home

Security system$0/mo

Optional monitoring · $0 default

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$33,473

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)53% $84,215/yr

Property taxes28% $44,994/yr

Utilities3% $4,950/yr

Insurance & security1% $1,600/yr

Maintenance12% $18,499/yr

Closing costs3% $5,100/yr

Mortgage is 53% of your true cost of ownership. The other 47% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$84,215	$7,018/mo
Government & taxes
Property tax	$11,521	$960/mo
Land transfer tax(closing)	$33,473	$2,789/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$1,890	$158/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$18,499	$1,542/mo
Closing costs (one-time)
Legal / lawyer(closing)	$2,500	$208/mo
Home inspection(closing)	$600	$50/mo
Moving costs(closing)	$2,000	$167/mo
Total	$159,358	$13,280/mo

Listing facts below · Ontario averages for utilities — drag sliders to match your home. CMHC added to loan principal only — not double-counted in chart.

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592 Fralick's Beach Road

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Annual costs