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$329K · 3 bed Detached · 906 - Bathurst/Burgess & Sherbrooke (Bathurst) Twp, Tay Valley | MyPropertyScout

$329,000

641 Harper Road

31OwnerOccupied

Map

⚡ Insider Deal

↓ $30,000Price ReducedFixer Upper

$329,000

DOM44days

641 Harper Road

Tay Valley · Ontario K7H 3C9

MLS® X13117474 · 906 - Bathurst/Burgess & Sherbrooke (Bathurst) Twp · K7H 3C9

31OwnerOccupied1500-2000 ft²DetachedNone44d$188/ft²Lot 127 x 209 ft$2,529 tax/yr

44 days on market

About this home

Discover the Potential at 641 Harper Road! Nestled on a private lot just minutes from the historic charm of Perth, this bungalow-originally a mobile home-has been expanded and transformed into a permanent country retreat. Featuring 3 bedrooms, 1 bathroom, and a rare full basement, this home offers a solid foundation for those looking to build sweat equity. Major high-ticket updates have already been completed, including a new metal roof (2023) and a high-efficiency electric furnace (2024). While…

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Property details

MLS#: X13117474
Status: Buy Now
Beds: 3
Baths: 1 full, 0 half
Size: 1500-2000
Style: Bungalow
Type: Detached
Year built: —

Roof: Metal
Foundation: Concrete Block

Fireplaces: 1
Fireplace features: Wood Stove

Garage: None
Garage spaces: 0
Parking: 3 total
Lot: 127 × 209
Heating: Forced Air
Heating fuel: Electric
Cooling: None
Pool: No
Waterfront: No
Exterior: Vinyl Siding
Fronting on: West
Cross street: Harper Rd and Bathurst 5th Con
Basement: Unfinished
Stories: —
Utilities: —
Laundry: —
Interior: None
Parking features: —

Rooms

Level	Room	Dimensions
Main	Living Room	2.74m × 3.66m
Main	Kitchen	4.72m × 3.35m
Main	Dining Room	2.79m × 4.95m
Main	Bathroom	1.82m × 2.74m
Main	Bedroom	3.66m × 3.66m
Main	Bedroom 2	2.59m × 3.05m
Main	Bedroom 3	4.08m × 3.66m
Main	Other	2.74m × 3.96m

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: RE/MAX AFFILIATES MARQUIS

Source: TRREB/PROPTX · MLS® X13117474

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$329K

641 Harper Road · Bryon Bertrim

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $329,000✓ $2,529 tax✓ Electric✓ 1500-2000 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$2,933/mo

incl. closing costs (yr 1)

Annual total

$35,196

year 1

Mortgage only

$1,248/mo

principal + interest

Beyond mortgage

$942/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$65,800

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$211/mo

Utilities

Hydro / electricity$228/mo

≈ $0.13/ft² × ~1,750 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%$3,290/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$3,410

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)43% $14,977/yr

Property taxes17% $5,939/yr

Utilities12% $4,290/yr

Insurance & security5% $1,600/yr

Maintenance9% $3,290/yr

Closing costs14% $5,100/yr

Mortgage is 43% of your true cost of ownership. The other 57% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$14,977	$1,248/mo
Government & taxes
Property tax	$2,529	$211/mo
Land transfer tax(closing)	$3,410	$284/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$2,730	$228/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$3,290	$274/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	$35,196	$2,933/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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641 Harper Road

About this home

MyStreetValue™ Analysis

Property details

Rooms

Sales History

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Annual costs