$650K · 2 bed Detached · Rural Scugog, Scugog

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About this home

Discover the perfect blend of serenity and convenience in this charming 1.5-storey detached home, located in the quiet waterfront community of Janetville, a terrific little pocket bordering Durham Region and the Kawarthas, just a little over an hour from Toronto. Nestled along the southern shore of Lake Scugog and situated on the Trent-Severn Waterway, this scenic four-season property, accessible by public road, offers breathtaking panoramic views and vibrant western sunsets. The home has been t…

Property details

MLS#

E13434652

Status

Buy Now

Beds

Baths

2 full, 0 half

Size

700-1100

Style

1 1/2 Storey

Type

Detached

Year built

—

Roof: Asphalt Shingle
Foundation: Concrete
Property features: Lake Access, Lake/Pond, Marina, Waterfront

Fireplaces: 1
Fireplace features: Natural Gas

View: Lake, Water, Skyline

Waterfront: Yes
Water view: Direct
Water body: Lake Scugog
Water frontage: 18.28 ft
Shoreline: Clean, Sandy
Waterfront features: Dock, Trent System

Garage: None
Garage spaces: 0
Parking: 3 total
Lot: 60 × 100
Heating: Heat Pump
Heating fuel: Gas
Cooling: Wall Unit(s)
Pool: No
Exterior: Vinyl Siding · Fishing, Landscaped, Porch, Year Round Living
Fronting on: North
Cross street: Coleman Cres/Cartwright Manvers Boundary Rd
Basement: Crawl Space
Stories: —
Utilities: —
Laundry: —
Interior: Storage, Water Heater Owned
Parking features: Front Yard Parking, Private

Level	Room	Dimensions
Main	Foyer	1.92m × 2.6m
Main	Living Room	5.12m × 5.49m
Main	Dining Room	2.6m × 5.77m
Main	Kitchen	2.44m × 3.11m
Main	Sunroom	7.13m × 2.77m
Second	Primary Bedroom	2.67m × 5.52m
Second	Bedroom 2	2.68m × 3.69m
Main	Laundry	1.49m × 1.49m
Main	Other	1.25m × 7.35m

Level

Room

Dimensions

Main

Foyer

1.92m × 2.6m

Main

Living Room

5.12m × 5.49m

Main

Dining Room

2.6m × 5.77m

Main

Kitchen

2.44m × 3.11m

Main

Sunroom

7.13m × 2.77m

Second

Primary Bedroom

2.67m × 5.52m

Second

Bedroom 2

2.68m × 3.69m

Main

Laundry

1.49m × 1.49m

Main

Other

1.25m × 7.35m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $649,900✓ $3,907 tax✓ Gas✓ 700-1100 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$5,010/mo

incl. closing costs (yr 1)

Annual total

$60,125

year 1

Mortgage only

$2,466/mo

principal + interest

Beyond mortgage

$1,297/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$129,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$326/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~900 ft² · ON avg ~$75/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%$6,499/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$9,473

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)49% $29,586/yr

Property taxes22% $13,380/yr

Utilities7% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance11% $6,499/yr

Closing costs8% $5,100/yr

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

Full breakdown

Mortgage & financing
Mortgage (P+I)	$29,586	$2,466/mo
Government & taxes
Property tax	$3,907	$326/mo
Land transfer tax(closing)	$9,473	$789/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$6,499	$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	$60,125	$5,010/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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148 Coleman Crescent

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Annual costs