$840K · 3 bed Detached · Anson, Minden Hills

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About this home

Create lasting family memories on sought-after Bob Lake in the heart of the Haliburton Highlands. This fully winterized 3-bedroom Viceroy-style waterfront cottage offers four-season enjoyment and the ideal setting for relaxing, entertaining, and making cherished cottage traditions. The open-concept layout is designed for family gatherings, while the bright sunroom captures stunning panoramic lake views. A cozy woodstove adds warmth and character after a day on the water or exploring the outdoors…

Property details

MLS#

X13116020

Status

Buy Now

Beds

Baths

1 full, 0 half

Size

1100-1500

Style

1 Storey/Apt

Type

Detached

Year built

—

Roof: Shingles
Foundation: Concrete Block

Fireplace features: Wood Stove

View: Lake, Forest, Panoramic, Skyline, Trees/Woods, Water

Waterfront: Yes
Water view: Direct
Water body: Bob Lake
Water frontage: 101 ft
Shoreline: Clean, Deep, Rocky
Waterfront features: Dock, Stairs to Waterfront

Garage: None
Garage spaces: 0
Parking: 6 total
Lot: 101 × 157
Heating: Forced Air
Heating fuel: Propane
Cooling: None
Pool: No
Exterior: Vinyl Siding · Deck, Fishing, Privacy, Recreational Area, Year Round Living
Fronting on: East
Cross street: Hwy 35 & Scotch Line Road
Basement: Crawl Space
Stories: —
Utilities: —
Laundry: —
Interior: Propane Tank
Parking features: —

Level	Room	Dimensions
Main	Sunroom	3.48m × 4.36m
Main	Kitchen	3.72m × 2.71m
Main	Dining Room	3.72m × 1.93m
Main	Living Room	5.76m × 4.67m
Main	Primary Bedroom	3.51m × 4.09m
Main	Bedroom 2	3.49m × 3.03m
Main	Bedroom 3	3.01m × 4.12m
Main	Bathroom	1.52m × 3.03m

Level

Room

Dimensions

Main

Sunroom

3.48m × 4.36m

Main

Kitchen

3.72m × 2.71m

Main

Dining Room

3.72m × 1.93m

Main

Living Room

5.76m × 4.67m

Main

Primary Bedroom

3.51m × 4.09m

Main

Bedroom 2

3.49m × 3.03m

Main

Bedroom 3

3.01m × 4.12m

Main

Bathroom

1.52m × 3.03m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $839,900✓ $3,210 tax✓ Propane✓ 1100-1500 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$6,164/mo

incl. closing costs (yr 1)

Annual total

$73,970

year 1

Mortgage only

$3,186/mo

principal + interest

Beyond mortgage

$1,413/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$167,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$268/mo

Utilities

Hydro / electricity$91/mo

≈ $0.07/ft² × ~1,300 ft² · ON avg ~$91/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%$8,399/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$13,273

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)52% $38,236/yr

Property taxes22% $16,483/yr

Utilities6% $4,152/yr

Insurance & security2% $1,600/yr

Maintenance11% $8,399/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)	$38,236	$3,186/mo
Government & taxes
Property tax	$3,210	$268/mo
Land transfer tax(closing)	$13,273	$1,106/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$1,092	$91/mo
Propane	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$8,399	$700/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	$73,970	$6,164/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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1601 Claude Brown Road

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