$1000K · 8 bed Farm · Emily, Kawartha Lakes

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About this home

Welcome to this lovely 36.94-acre country property offering the perfect blend of privacy, functionality, and the ability to have all your hobbies and or workspace at your fingertips. Set in a beautiful, tranquil setting, this ranch-style bungalow is surrounded by rolling acreage, fenced paddocks with shelters, and outbuildings, ideal for small-scale farming, equestrian use, or those seeking space to live, work, play or unwind. The main residence features 3 bedrooms, 1.5 baths, a comfortable fami…

Property details

MLS#

X13110822

Status

Buy Now

Beds

Baths

3 full, 0 half

Size

2000-2500

Style

Bungalow

Type

Farm

Year built

—

Roof: Asphalt Shingle
Foundation: Poured Concrete
Other structures: Fence - Full, Indoor Arena, Sauna, Storage
Property features: Place Of Worship, School Bus Route, Lake/Pond, Wooded/Treed

Fireplace features: Propane

View: Forest, Pasture

Garage: 2-car Attached
Garage spaces: 2
Parking: 22 total
Lot: 1441.21 × 1212.21
Heating: Forced Air
Heating fuel: Propane
Cooling: Central Air
Pool: Yes
Waterfront: No
Exterior: Board & Batten, Shingle · Deck, Landscaped, Privacy, Year Round Living
Fronting on: West
Cross street: Pigeon Lake Road
Basement: Walk-Up, Finished
Stories: —
Utilities: —
Laundry: —
Interior: Auto Garage Door Remote, Sewage Pump, Sump Pump, Water Heater Owned
Parking features: Private Double

Rooms

Level	Room	Dimensions
Main	Foyer	2.01m × 2.92m
Main	Kitchen	4.76m × 3.52m
Main	Dining Room	4.86m × 3.91m
Main	Living Room	4.76m × 5.37m
Main	Family Room	5.62m × 3.81m
Main	Bedroom	3.1m × 3.42m
Main	Primary Bedroom	4.71m × 4.09m
Main	Bedroom	3.09m × 3.59m
Main	Bathroom	2.22m × 2.45m
Main	Bathroom	1.11m × 1.21m
Second	Other	3.84m × 3.41m
Second	Sitting	3.32m × 3.26m
Second	Bedroom	4.02m × 3.26m
Second	Bedroom	2.94m × 3.69m
Basement	Bedroom	4.22m × 4.15m
Basement	Bathroom	2.37m × 2.39m
Basement	Laundry	1.82m × 2.39m
Basement	Utility Room	8.61m × 4.34m
Basement	Other	2.01m × 3.09m
Basement	Recreation	4.75m × 10.33m
Basement	Bedroom	4.75m × 2.39m
Basement	Other	2.35m × 2.9m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $999,900✓ $6,291 tax✓ Propane✓ 2000-2500 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$7,494/mo

incl. closing costs (yr 1)

Annual total

$89,933

year 1

Mortgage only

$3,793/mo

principal + interest

Beyond mortgage

$1,870/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$199,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$524/mo

Utilities

Hydro / electricity$158/mo

≈ $0.07/ft² × ~2,250 ft² · ON avg ~$158/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%$9,999/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$16,473

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)51% $45,520/yr

Property taxes25% $22,764/yr

Utilities6% $4,950/yr

Insurance & security2% $1,600/yr

Maintenance11% $9,999/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)	$45,520	$3,793/mo
Government & taxes
Property tax	$6,291	$524/mo
Land transfer tax(closing)	$16,473	$1,373/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$1,890	$158/mo
Propane	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$9,999	$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	$89,933	$7,494/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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1185 Sturgeon Road

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Annual costs