$700K · 3+2 bed Detached · Otonabee Ward 1, Peterborough

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About this home

Nestled in nature along the banks of the Otonabee River, this exceptional waterfront-adjacent residence offers a lifestyle that feels worlds away while remaining close to every convenience. Set on a quiet dead-end street surrounded by mature trees and abundant wildlife, this is a rare opportunity to experience the serenity of riverside living without the waterfront taxes. Head to the walking trail located behind or launch your kayak just steps from your door, spend evenings watching herons and s…

Property details

MLS#

X13110470

Status

Buy Now

Beds

3+2

Baths

3 full, 0 half

Size

1100-1500

Style

1 1/2 Storey

Type

Detached

Year built

—

Roof: Asphalt Shingle
Foundation: Concrete Block
Other structures: Shed
Property features: Clear View, Cul de Sac/Dead End, Greenbelt/Conservation, River/Stream, Sloping, Waterfront

View: Water, River

Water body: Otonabee River
Waterfront features: Waterfront-Not Deeded, Trent System

Garage: None
Garage spaces: 0
Parking: 2 total
Lot: 46.66 × 84.43
Heating: Forced Air
Heating fuel: Gas
Cooling: None
Fireplaces: —
Pool: No
Exterior: Vinyl Siding · Canopy, Deck, Fishing, Landscape Lighting, Privacy, Recreational Area, Year Round Living, Backs On Green Belt
Fronting on: North
Cross street: Lock St & Fradette Ave
Basement: Finished
Stories: —
Utilities: —
Laundry: —
Interior: Carpet Free, Sump Pump, Sewage Pump
Parking features: Private

Rooms

Level	Room	Dimensions
Main	Living Room	3.63m × 7.47m
Main	Dining Room	3.55m × 2.37m
Main	Kitchen	3.51m × 2.72m
Main	Bedroom	3.5m × 4.11m
Main	Bedroom	3.52m × 3.84m
Second	Primary Bedroom	3.99m × 4.34m
Second	Loft	2.43m × 7.23m
Lower	Bedroom	3.39m × 3.65m
Lower	Bedroom	3.39m × 3.66m
Lower	Recreation	3.39m × 3.97m
Lower	Laundry	3.52m × 5.05m
Lower	Utility Room	3.37m × 2.48m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $699,900✓ $4,600 tax✓ Gas✓ 1100-1500 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$5,399/mo

incl. closing costs (yr 1)

Annual total

$64,786

year 1

Mortgage only

$2,655/mo

principal + interest

Beyond mortgage

$1,413/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$139,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$383/mo

Utilities

Hydro / electricity$91/mo

≈ $0.07/ft² × ~1,300 ft² · ON avg ~$91/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%$6,999/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$10,473

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)49% $31,862/yr

Property taxes23% $15,073/yr

Utilities6% $4,152/yr

Insurance & security2% $1,600/yr

Maintenance11% $6,999/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)	$31,862	$2,655/mo
Government & taxes
Property tax	$4,600	$383/mo
Land transfer tax(closing)	$10,473	$873/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$1,092	$91/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$6,999	$583/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	$64,786	$5,399/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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122 Fradette Avenue

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Property details

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Rooms

Sales History

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Annual costs