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$550K · 3 bed Detached · Lindsay, Kawartha Lakes | MyPropertyScout

$549,900

199 Elgin Street

32Vacant

Map

⚡ Insider Deal

↓ $25,100Price Reduced

$549,900

A●●○○○DOM44days

199 Elgin Street

Kawartha Lakes · Ontario K9V 6B1

MLS® X13115150 · Lindsay · K9V 6B1

32Vacant1100-1500 ft²Detached1-car Attached44d$423/ft²Lot 48.8 x 107.1 ft< .50 ac$3,224 tax/yrBuilt 198541 yrs old

12% below market · regional est. · 44 days on market

Scoring based on Property Scout Neighbourhood Intelligence — use as guidance only, sometimes it's not so intelligent 👍

About this home

Fantastic location, large 48' x 107' fenced in-town lot, outdoor firepit & newer deck. Attached garage features an epoxy floor & automatic WiFi opener. Inside is beautiful and fully updated! Fantastic features such as main floor laundry room, 2pc bath & woodburning fireplace in living room. Updated kitchen cabinets, butcher block countertops & stainless-steel appliances (5 years old). Upstairs features spacious master bedroom, 2 additional bedrooms & 4pc bath. Bonus finished basement with large…

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Property details

MLS#: X13115150
Status: Buy Now
Beds: 3
Baths: 2 full, 0 half
Size: 1100-1500
Style: 2-Storey
Type: Detached
Year built: —

Roof: Asphalt Shingle
Foundation: Poured Concrete
Other structures: Garden Shed
Property features: Golf, Hospital, Park, Rec./Commun.Centre

Fireplaces: 1
Fireplace features: Natural Gas

Garage: 1-car Attached
Garage spaces: 1
Parking: 3 total
Lot: 48.79 × 107.14
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Pool: No
Waterfront: No
Exterior: Brick, Vinyl Siding · Deck, Year Round Living
Fronting on: West
Cross street: Angeline N/Elgin Street
Basement: Full, Finished
Stories: —
Utilities: —
Laundry: —
Interior: Carpet Free, Water Heater
Parking features: Available

Additional listing data

ListAOR: Central Lakes Association of REALTORS

Rooms

Level	Room	Dimensions
Main	Laundry	1.69m × 2.57m
Main	Bathroom	1.56m × 1.52m
Main	Kitchen	2.9m × 2.51m
Main	Dining Room	2.91m × 2.51m
Main	Living Room	4.6m × 3.14m
Second	Bedroom	2.37m × 3.02m
Second	Bathroom	2.29m × 2.03m
Second	Bedroom	3.84m × 3.15m
Second	Primary Bedroom	3.84m × 2.46m
Lower	Recreation	9.06m × 5.51m

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: Birdhouse Realty Inc.

Source: TRREB/PROPTX · MLS® X13115150

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$550K

199 Elgin Street · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $549,900✓ $3,224 tax✓ Gas✓ 1100-1500 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,340/mo

incl. closing costs (yr 1)

Annual total

$52,082

year 1

Mortgage only

$2,086/mo

principal + interest

Beyond mortgage

$1,173/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$109,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$269/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%$5,499/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$7,473

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)48% $25,034/yr

Property taxes21% $10,697/yr

Utilities8% $4,152/yr

Insurance & security3% $1,600/yr

Maintenance11% $5,499/yr

Closing costs10% $5,100/yr

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

Full breakdown

Mortgage & financing
Mortgage (P+I)	$25,034	$2,086/mo
Government & taxes
Property tax	$3,224	$269/mo
Land transfer tax(closing)	$7,473	$623/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%)	$5,499	$458/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	$52,082	$4,340/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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199 Elgin Street

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Sales History

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Annual costs