$1000K · 3 bed Detached · 530 - Pembroke, Pembroke

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About this home

Waterfront living in the heart of Pembroke! Set along the scenic Ottawa River with direct access to the Algonquin Trail right behind the property, this beautifully maintained 3-bedroom, 3-bathroom home offers the perfect blend of in-town convenience and year-round recreation. Enjoy boating, paddleboarding, fishing, swimming, snowmobiling, ATVing, biking, hiking, and cross-country skiing right from your doorstep. Inside, the bright and open main floor is designed to maximize the stunning water vi…

Property details

MLS#

X13104946

Status

Buy Now

Beds

Baths

3 full, 0 half

Size

1100-1500

Style

Sidesplit

Type

Detached

Year built

—

Roof: Asphalt Shingle
Foundation: Poured Concrete
Other structures: Shed
Property features: Waterfront

View: Water, River

Waterfront: Yes
Water view: Direct
Water body: Ottawa River
Water frontage: 18.25 ft
Shoreline: Shallow, Sandy
Waterfront features: River Front, Waterfront-Deeded

Garage: 2-car Built-In
Garage spaces: 2
Parking: 8 total
Lot: 59.89 × 162
Heating: Forced Air
Heating fuel: Propane
Cooling: Central Air
Fireplaces: —
Pool: No
Exterior: Brick, Vinyl Siding · Landscaped, Patio, Year Round Living, Deck
Fronting on: North
Cross street: Cedar Ln / Greenside St
Basement: Finished
Stories: —
Utilities: —
Laundry: —
Interior: Central Vacuum, Auto Garage Door Remote, Storage
Parking features: —

Rooms

Level	Room	Dimensions
Main	Living Room	4.742m × 3.556m
Main	Sunroom	6.642m × 2.861m
Main	Kitchen	3.762m × 2.879m
Main	Dining Room	3.089m × 2.879m
Main	Bathroom	1.824m × 1.354m
Second	Primary Bedroom	3.351m × 4.276m
Second	Bathroom	3.618m × 2.322m
Second	Bathroom	2.224m × 2.361m
Second	Bedroom	3.602m × 3.39m
Second	Bedroom	3.219m × 3.798m
Basement	Family Room	5.646m × 3.415m
Basement	Office	4.286m × 2.7m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $999,999✓ $5,759 tax✓ Propane✓ 1100-1500 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$7,384/mo

incl. closing costs (yr 1)

Annual total

$88,610

year 1

Mortgage only

$3,794/mo

principal + interest

Beyond mortgage

$1,759/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$200,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$480/mo

Utilities

Hydro / electricity$91/mo

≈ $0.07/ft² × ~1,300 ft² · ON avg ~$91/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%$10,000/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$16,475

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)51% $45,524/yr

Property taxes25% $22,234/yr

Utilities5% $4,152/yr

Insurance & security2% $1,600/yr

Maintenance11% $10,000/yr

Closing costs6% $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)	$45,524	$3,794/mo
Government & taxes
Property tax	$5,759	$480/mo
Land transfer tax(closing)	$16,475	$1,373/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$1,092	$91/mo
Propane	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$10,000	$833/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	$88,610	$7,384/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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907 Cedar Lane

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Rooms

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Annual costs