$1.28M · 3+1 bed Detached · 53 - Frontenac North, Frontenac

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About this home

Welcome to Big Gull Lake in the beautiful Land O' Lakes Region of Eastern Ontario, where refined waterfront living meets exceptional versatility and true turnkey convenience. Rarely does a property of this caliber come to market offering a fully updated, year round home with the flexibility to function as a full-time residence, luxury cottage retreat, short-term rental investment, or multi-generational property with in-law suite capability. Set on a beautifully landscaped waterfront lot with yea…

Property details

MLS#

X13116688

Status

Buy Now

Beds

3+1

Baths

2 full, 0 half

Size

1100-1500

Style

Bungalow-Raised

Type

Detached

Year built

—

Roof: Asphalt Shingle
Foundation: Block, Poured Concrete
Other structures: Shed
Property features: Golf, Library, Marina, Rec./Commun.Centre, School Bus Route, Waterfront

Fireplaces: 1
Fireplace features: Wood Stove

View: Water, Lake

Waterfront: Yes
Water view: Direct
Water body: Big Gull Lake
Water frontage: 46.02 ft
Shoreline: Clean, Mixed, Sandy
Waterfront features: Beach Front, Boat Launch, Dock, Marina Services, Mooring Whips

Garage: 2-car Attached
Garage spaces: 2
Parking: 8 total
Lot: 151 × 161
Heating: Baseboard
Heating fuel: Electric
Cooling: Central Air
Pool: No
Exterior: Vinyl Siding · Deck, Fishing, Landscape Lighting, Landscaped, Patio, Porch, Recreational Area, Year Round Living
Fronting on: East
Cross street: Kashwakamak Lake Road/White Road
Basement: Finished with Walk-Out, Separate Entrance, Full
Stories: —
Utilities: —
Laundry: —
Interior: Air Exchanger, Carpet Free, ERV/HRV, Floor Drain, In-Law Capability, On Demand Water Heater, Primary Bedroom - Main Floor, Propane Tank, Storage, Suspended Ceilings, Water Heater Owned, Water Softener
Parking features: Private

Rooms

Level	Room	Dimensions
Main	Foyer	1.16m × 2.31m
Main	Kitchen	4.04m × 4.06m
Main	Living Room	4.05m × 5.71m
Main	Bedroom	4.05m × 3.46m
Main	Primary Bedroom	4.05m × 3.75m
Main	Bedroom	3.94m × 3.03m
Main	Bathroom	2.79m × 2.83m
Lower	Recreation	8.09m × 7.57m
Lower	Bedroom	3.95m × 3.67m
Lower	Office	2.45m × 3.03m
Lower	Utility Room	1.49m × 3.03m
Lower	Other	4.04m × 3.03m
Lower	Bathroom	2.16m × 3.01m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $1,285,000✓ $4,763 tax✓ Electric✓ 1100-1500 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$9,048/mo

incl. closing costs (yr 1)

Annual total

$108,575

year 1

Mortgage only

$4,875/mo

principal + interest

Beyond mortgage

$1,867/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$257,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$397/mo

Utilities

Hydro / electricity$169/mo

≈ $0.13/ft² × ~1,300 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%$12,850/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$22,175

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)54% $58,499/yr

Property taxes25% $26,938/yr

Utilities3% $3,588/yr

Insurance & security1% $1,600/yr

Maintenance12% $12,850/yr

Closing costs5% $5,100/yr

Mortgage is 54% of your true cost of ownership. The other 46% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$58,499	$4,875/mo
Government & taxes
Property tax	$4,763	$397/mo
Land transfer tax(closing)	$22,175	$1,848/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$2,028	$169/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$12,850	$1,071/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	$108,575	$9,048/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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1012 Black Road

About this home

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Property details

Additional listing data

Rooms

Sales History

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Annual costs