$1.05M · 3+3 bed Detached · Rural Scugog, Scugog

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About this home

Drive Right Onto Your Own Slice Of Lake Scugog. Set On Birch Island And Reached By A Private Road - No Boat Required - This Fully Renovated Year-Round Waterfront Home Delivers Direct Western Exposure, Owned Shoreline, And Spectacular End-Of-Day Sunsets Over The Water. A Rare Two-Parcel Offering (Two Separate PINs Totalling Roughly Half An Acre) Gives You Room To Spread Out, Expand, Or Simply Enjoy Unmatched Privacy On Both Sides Of The Island. Renovated Top To Bottom, The Home Opens To A Bright…

Property details

MLS#

E13319580

Status

Buy Now

Beds

3+3

Baths

3 full, 0 half

Size

2000-2500

Style

1 1/2 Storey

Type

Detached

Year built

—

Lot features: Irregular Lot
Lot dimensions: 100 × 216

Roof: Asphalt Shingle
Foundation: Concrete Block
Property features: Island, Lake Access, Waterfront

View: Water, Trees/Woods

Waterfront: Yes
Water view: Direct
Water body: Lake Scugog
Water frontage: 100 ft
Shoreline: Clean
Waterfront features: Dock

Garage: 1-car Attached
Garage spaces: 1
Parking: 3 total
Heating: Heat Pump
Heating fuel: Propane
Cooling: Central Air
Fireplaces: —
Pool: No
Exterior: Aluminum Siding · Deck, Year Round Living
Fronting on: West
Cross street: View Lake Rd. / Birch Island Rd.
Basement: Finished with Walk-Out
Stories: —
Utilities: —
Laundry: —
Interior: Propane Tank, Water Treatment
Parking features: Private

Rooms

Level	Room	Dimensions
Main	Great Room	6.35m × 8.05m
Main	Dining Room	3.35m × 1.15m
Main	Kitchen	3.4m × 3.9m
Main	Bedroom 2	3.5m × 3.3m
Main	Bedroom 3	2.8m × 3m
Main	Sunroom	2.59m × 7.16m
Second	Primary Bedroom	5.5m × 4.5m
Lower	Bedroom 4	3m × 2.7m
Lower	Bedroom 5	2.8m × 2.7m
Lower	Bedroom	2.6m × 2.7m
Lower	Recreation	4.7m × 6.75m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $1,049,000✓ $5,974 tax✓ Propane✓ 2000-2500 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$7,777/mo

incl. closing costs (yr 1)

Annual total

$93,324

year 1

Mortgage only

$3,980/mo

principal + interest

Beyond mortgage

$1,885/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$209,800

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$498/mo

Utilities

Hydro / electricity$158/mo

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

Propane$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%$10,490/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$17,455

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)51% $47,755/yr

Property taxes25% $23,429/yr

Utilities5% $4,950/yr

Insurance & security2% $1,600/yr

Maintenance11% $10,490/yr

Closing costs5% $5,100/yr

Mortgage is 51% of your true cost of ownership. The other 49% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$47,755	$3,980/mo
Government & taxes
Property tax	$5,974	$498/mo
Land transfer tax(closing)	$17,455	$1,455/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$1,890	$158/mo
Propane	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$10,490	$874/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	$93,324	$7,777/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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16 Birch Island Road

About this home

MyStreetValue™ Analysis

Property details

Rooms

Sales History

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Annual costs