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$925K · 3 bed Detached · Northcrest Ward 5, Peterborough | MyPropertyScout

$924,900

640 Heritage Trail

33OwnerOccupied

Map

⚡ Insider Deal

↓ $25,000Price Reduced

$924,900

DOM44days

640 Heritage Trail

Peterborough · Ontario K9L 0A7

MLS® X13115652 · Northcrest Ward 5 · K9L 0A7

33OwnerOccupied1500-2000 ft²Detached2-car Attached44d$529/ft²Lot 50 x 114.8 ft< .50 ac$6,617 tax/yrBuilt 200323 yrs old

44 days on market

About this home

A beautifully maintained bungalow located in the sought-after Heritage Park subdivision. Offering approximately 1,880 square feet of thoughtfully designed living space on the main level, this warm and inviting family home blends comfort, functionality, and style. The main floor features a bright open-concept kitchen with an eating nook and patio doors leading to a covered deck, perfect for everyday living and easy entertaining. Open to the kitchen is a cozy family room with a gas fireplace and v…

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Property details

MLS#: X13115652
Status: Buy Now
Beds: 3
Baths: 3 full, 0 half
Size: 1500-2000
Style: Bungalow
Type: Detached
Year built: —

Roof: Asphalt Shingle
Foundation: Poured Concrete
Other structures: Fence - Full, Garden Shed
Property features: Golf, Hospital, Fenced Yard, Park, Public Transit, School

Fireplaces: 2
Fireplace features: Family Room, Natural Gas, Rec Room

Garage: 2-car Attached
Garage spaces: 2
Parking: 6 total
Lot: 50 × 114.83
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Pool: No
Waterfront: No
Exterior: Brick, Vinyl Siding · Landscape Lighting, Deck, Landscaped, Patio, Privacy, Porch, Year Round Living
Fronting on: North
Cross street: Water St and Carnegie Ave
Basement: Full, Finished
Stories: —
Utilities: —
Laundry: —
Interior: Auto Garage Door Remote, ERV/HRV, Primary Bedroom - Main Floor, Storage, Suspended Ceilings, Sump Pump, Water Meter, Water Heater Owned
Parking features: Private Double

Additional listing data

ListAOR: Central Lakes Association of REALTORS

Rooms

Level	Room	Dimensions
Main	Living Room	3.67m × 3.92m
Main	Dining Room	3.67m × 3.75m
Main	Kitchen	3.87m × 4.25m
Main	Breakfast	3.83m × 3.28m
Main	Family Room	3.84m × 5.73m
Main	Primary Bedroom	3.42m × 5.73m
Main	Bathroom	1.51m × 4.09m
Main	Bedroom 2	3.23m × 2.9m
Main	Bedroom 3	3.23m × 3.16m
Main	Mud Room	1.92m × 1.94m
Main	Bathroom	1.69m × 2.9m
Basement	Recreation	8.93m × 11.57m
Basement	Laundry	3.64m × 6.24m
Basement	Bathroom	2.44m × 1.45m
Basement	Utility Room	3.64m × 7.06m
Basement	Other	1.74m × 4m

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: Exit Realty Liftlock

Source: TRREB/PROPTX · MLS® X13115652

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$925K

640 Heritage Trail · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $924,900✓ $6,617 tax✓ Gas✓ 1500-2000 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$7,014/mo

incl. closing costs (yr 1)

Annual total

$84,174

year 1

Mortgage only

$3,509/mo

principal + interest

Beyond mortgage

$1,800/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$184,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$551/mo

Utilities

Hydro / electricity$123/mo

≈ $0.07/ft² × ~1,750 ft² · ON avg ~$123/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%$9,249/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$14,973

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)50% $42,105/yr

Property taxes26% $21,590/yr

Utilities5% $4,530/yr

Insurance & security2% $1,600/yr

Maintenance11% $9,249/yr

Closing costs6% $5,100/yr

Mortgage is 50% of your true cost of ownership. The other 50% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$42,105	$3,509/mo
Government & taxes
Property tax	$6,617	$551/mo
Land transfer tax(closing)	$14,973	$1,248/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$1,470	$123/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$9,249	$771/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	$84,174	$7,014/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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640 Heritage Trail

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Sales History

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Annual costs