$399K · 3 bed Vacant Land Condo · 45 - Frontenac Centre, Frontenac

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About this home

Welcome to 1159 Teal Trail! Looking for your next family getaway or future retirement waterfront home? Come discover this charming 3 Bedroom w/ Loft, 2 Bathroom, year-round cottage on Garrison Lake. Built in 1985, this Bungaloft has the convenience of home with plenty of additional space to accommodate friends and family for the summer. A clean, organized, eat in kitchen, updated floors, a spectacular view of the lake and a spacious living room. The master bedroom offers a private ensuite 4pc ba…

Property details

MLS#

X13097672

Status

Buy Now

Beds

Baths

2 full, 0 half

Size

900-999

Style

Bungaloft

Type

Vacant Land Condo

Year built

—

Roof: Asphalt Shingle
Foundation: Block, Piers
Property features: Beach, Lake Access, Place Of Worship, Wooded/Treed, Library

View: Lake

Waterfront: Yes
Water view: Direct
Water body: Garrison Lake
Water frontage: 54.27 ft
Shoreline: Deep, Rocky
Waterfront features: Stairs to Waterfront

Condo corp #: 70
Balcony: None
Locker: None
Fees include: Common Elements Included
Pets: Yes-with Restrictions

Garage: 1-car Detached
Garage spaces: 1
Parking: 4 total
Heating: Forced Air
Heating fuel: Propane
Cooling: Window Unit(s)
Fireplaces: —
Exterior: Wood, Vinyl Siding · Deck, Year Round Living
Fronting on: —
Cross street: Garrison Lake Rd & Elm Tree Rd.
Basement: Crawl Space
Stories: 1
Utilities: —
Laundry: In Bathroom
Interior: Auto Garage Door Remote, Guest Accommodations, Propane Tank, Water Heater Owned
Parking features: —

Rooms

Level	Room	Dimensions
Main	Foyer	2.16m × 3.69m
Main	Kitchen	2.52m × 4.26m
Main	Primary Bedroom	3.5m × 4.99m
Main	Bathroom	2.34m × 2.28m
Main	Living Room	4.69m × 4.69m
Main	Bedroom 2	2.04m × 2.16m
Main	Bathroom	2.31m × 2.34m
Main	Bedroom 3	3.47m × 2.16m
Upper	Loft	3.59m × 4.69m
Ground	Dining Room	3.49m × 6m
Ground	Game Room	3.49m × 3.5m
Ground	Sunroom	2.55m × 3.45m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $399,000✓ $2,249 tax✓ Propane✓ 900-999 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,356/mo

incl. closing costs (yr 1)

Annual total

$40,273

year 1

Mortgage only

$1,514/mo

principal + interest

Beyond mortgage

$1,012/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$79,800

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$187/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~950 ft² · ON avg ~$75/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%$3,990/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

Condo / HOA fees (mo)$5/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$4,460

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)45% $18,164/yr

Property taxes17% $6,709/yr

Utilities10% $3,960/yr

Insurance & security4% $1,600/yr

Maintenance10% $3,990/yr

Condo fees2% $750/yr

Closing costs13% $5,100/yr

Mortgage is 45% of your true cost of ownership. The other 55% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$18,164	$1,514/mo
Government & taxes
Property tax	$2,249	$187/mo
Land transfer tax(closing)	$4,460	$372/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Propane	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$3,990	$333/mo
Condo fees
Condo / HOA fees	$750	$63/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	$40,273	$3,356/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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Property details

Rooms

Sales History

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Annual costs