$835K · 3 bed Detached · Chaffey, Huntsville

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About this home

Come experience the classic Muskoka cottage lifestyle at this beautiful Harp Lake property. Located just 15 minutes from Huntsville's shops, restaurants, and hospital, and minutes from Deerhurst Resort and world-class golf. The 3-season property features coveted southern exposure for all-day sun and an adorable 3-bedroom cottage. The bright living room offers stunning lake views and a cozy wood stove, perfect for crisp mornings or cool autumn evenings. The cottage layout is ideal for hosting fr…

Property details

MLS#

X13112986

Status

Buy Now

Beds

Baths

2 full, 0 half

Size

700-1100

Style

1 1/2 Storey

Type

Detached

Year built

—

Roof: Asphalt Shingle
Foundation: Piers
Other structures: Shed

Fireplace features: Wood Stove

View: Lake

Waterfront: Yes
Water view: Direct
Water body: Harp Lake
Water frontage: 60.96 ft
Shoreline: Sandy, Hard Bottom, Clean
Waterfront features: Dock

Garage: None
Garage spaces: 0
Parking: 4 total
Lot: 200 × 297
Heating: Heat Pump
Heating fuel: Electric
Cooling: Wall Unit(s)
Pool: No
Exterior: Wood · Deck
Fronting on: South
Cross street: Harp Lake Road and Ena Drive
Basement: None
Stories: —
Utilities: —
Laundry: —
Interior: Water Heater Owned
Parking features: Street Only

Level	Room	Dimensions
Main	Living Room	3.35m × 6.56m
Main	Dining Room	2.97m × 3.35m
Main	Kitchen	2.52m × 2.92m
Main	Bedroom	2.52m × 3.11m
Main	Bathroom	1.5m × 1.54m
Second	Bedroom 2	2.97m × 5.46m
Second	Bedroom 3	2.16m × 3.42m
Second	Bathroom	2.07m × 2.18m

Level

Room

Dimensions

Main

Living Room

3.35m × 6.56m

Main

Dining Room

2.97m × 3.35m

Main

Kitchen

2.52m × 2.92m

Main

Bedroom

2.52m × 3.11m

Main

Bathroom

1.5m × 1.54m

Second

Bedroom 2

2.97m × 5.46m

Second

Bedroom 3

2.16m × 3.42m

Second

Bathroom

2.07m × 2.18m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $835,000✓ $3,659 tax✓ Electric✓ 700-1100 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$6,072/mo

incl. closing costs (yr 1)

Annual total

$72,861

year 1

Mortgage only

$3,168/mo

principal + interest

Beyond mortgage

$1,348/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$167,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$305/mo

Utilities

Hydro / electricity$117/mo

≈ $0.13/ft² × ~900 ft² · incl. electric heat

Heat$0/mo

Electric heat — no gas service · see hydro

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%$8,350/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$13,175

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)52% $38,013/yr

Property taxes23% $16,834/yr

Utilities4% $2,964/yr

Insurance & security2% $1,600/yr

Maintenance11% $8,350/yr

Closing costs7% $5,100/yr

Mortgage is 52% of your true cost of ownership. The other 48% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$38,013	$3,168/mo
Government & taxes
Property tax	$3,659	$305/mo
Land transfer tax(closing)	$13,175	$1,098/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$1,404	$117/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$8,350	$696/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	$72,861	$6,072/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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29 Ena Drive

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Annual costs