$630K · 2+2 bed Detached · Rural Oro-Medonte, Oro-Medonte

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871 Penetanguishene Road

Oro-Medonte · Ontario L4M 4Y8

MLS® S13447258 · Rural Oro-Medonte · L4M 4Y8

2+22OwnerOccupied700-1100 ft²Detached1-car Detached13d$700/ft²Lot 100 x 150 ftNot Applicable ac$2,384 tax/yr

Neighbourhood Range

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About this home

Escape to peaceful rural living while staying just minutes from all the amenities of Barrie! This charming all brick bungalow sits on a generous 100' x 150' lot, offering privacy, space, and a lifestyle that blends country tranquility with everyday convenience. Pretty as a picture curb appeal and a long driveway offering plenty of parking that leads to a detached garage and a separate 'cottage' with hydro, perfect for hobbyists, storage, or a workshop. Beyond the custom iron inlaid gates is the…

Property details

MLS#

S13447258

Status

Buy Now

Beds

2+2

Baths

2 full, 0 half

Size

700-1100

Style

Bungalow

Type

Detached

Year built

—

Roof: Metal
Foundation: Concrete

Garage: 1-car Detached
Garage spaces: 1
Parking: 7 total
Lot: 100 × 150
Heating: Forced Air
Heating fuel: Oil
Cooling: Central Air
Fireplaces: —
Pool: No
Waterfront: No
Exterior: Brick
Fronting on: East
Cross street: Penetanguishene/Ski Trails Rd
Basement: Finished
Stories: —
Utilities: —
Laundry: —
Interior: Carpet Free, Sump Pump
Parking features: Private

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $630,000✓ $2,384 tax✓ Oil✓ 700-1100 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,758/mo

incl. closing costs (yr 1)

Annual total

$57,099

year 1

Mortgage only

$2,390/mo

principal + interest

Beyond mortgage

$1,154/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$126,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$199/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~900 ft² · ON avg ~$75/mo

Oil$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%$6,300/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$9,075

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)50% $28,680/yr

Property taxes20% $11,459/yr

Utilities7% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance11% $6,300/yr

Closing costs9% $5,100/yr

Mortgage is 50% of your true cost of ownership. The other 50% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$28,680	$2,390/mo
Government & taxes
Property tax	$2,384	$199/mo
Land transfer tax(closing)	$9,075	$756/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Oil	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$6,300	$525/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	$57,099	$4,758/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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871 Penetanguishene Road

About this home

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Annual costs