$700K · 2 bed Condo Townhouse · Bobcaygeon, Kawartha Lakes

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About this home

Experience comfortable gated waterfront living in this upper-level, two-bedroom suite in the sought-after Regency Pointe in the heart of Bobcaygeon. This move-in-ready condo offers beautifully updated living spaces specifically designed to capture the exceptional western view, providing front-row seating for stunning sunsets over Sturgeon Lake. Inside, soaring cathedral ceilings and a floor-to-ceiling fireplace enhance the bright and open living and dining areas. The renovated eat-in kitchen fea…

Property details

MLS#

X13250480

Status

Buy Now

Beds

Baths

2 full, 0 half

Size

1400-1599

Style

1 Storey/Apt

Type

Condo Townhouse

Year built

—

Property features: Beach, Lake Access, Library, Park, Place Of Worship, School Bus Route

Fireplace features: Wood

View: Beach, Water, Lake

Waterfront: Yes
Water view: Unobstructive
Water body: Sturgeon Lake
Shoreline: Clean, Deep
Waterfront features: Dock, Trent System

Condo corp #: 12
Balcony: Enclosed
Locker: None
Fees include: None
Pets: Yes-with Restrictions

Garage: 1-car Attached
Garage spaces: 1
Parking: 2 total
Heating: Forced Air
Heating fuel: Electric
Cooling: Other
Exterior: Brick · Patio, Year Round Living
Fronting on: —
Cross street: Sherwood St. & Park St. (County Rd. 24)
Basement: None
Stories: —
Utilities: —
Laundry: In-Suite Laundry
Interior: Auto Garage Door Remote, Built-In Oven, Intercom, Primary Bedroom - Main Floor, Water Heater
Parking features: Private

Level	Room	Dimensions
Main	Kitchen	4.29m × 2.87m
Main	Breakfast	2.92m × 2.84m
Main	Dining Room	3.15m × 6.2m
Main	Living Room	5.56m × 4.52m
Main	Primary Bedroom	6.45m × 4.22m
Main	Bedroom 2	3.53m × 3.69m
Main	Bathroom	2.31m × 2.27m
Main	Bathroom	2.64m × 2.54m
Main	Utility Room	1.82m × 3.48m

Level

Room

Dimensions

Main

Kitchen

4.29m × 2.87m

Main

Breakfast

2.92m × 2.84m

Main

Dining Room

3.15m × 6.2m

Main

Living Room

5.56m × 4.52m

Main

Primary Bedroom

6.45m × 4.22m

Main

Bedroom 2

3.53m × 3.69m

Main

Bathroom

2.31m × 2.27m

Main

Bathroom

2.64m × 2.54m

Main

Utility Room

1.82m × 3.48m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $699,900✓ $3,939 tax✓ Electric✓ 1400-1599 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$5,663/mo

incl. closing costs (yr 1)

Annual total

$67,953

year 1

Mortgage only

$2,655/mo

principal + interest

Beyond mortgage

$1,676/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$139,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$328/mo

Utilities

Hydro / electricity$75/mo

≈ $0.13/ft² × ~1,500 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%$6,999/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

Condo / HOA fees (mo)$38/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$10,473

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)47% $31,862/yr

Property taxes21% $14,412/yr

Utilities4% $2,460/yr

Insurance & security2% $1,600/yr

Maintenance10% $6,999/yr

Condo fees8% $5,520/yr

Closing costs8% $5,100/yr

Mortgage is 47% of your true cost of ownership. The other 53% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$31,862	$2,655/mo
Government & taxes
Property tax	$3,939	$328/mo
Land transfer tax(closing)	$10,473	$873/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$6,999	$583/mo
Condo fees
Condo / HOA fees	$5,520	$460/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	$67,953	$5,663/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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Annual costs