$5.29M · 3+1 bed Detached · Watt, Muskoka Lakes

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About this home

There are waterfront properties, and then there are properties that define the Muskoka lifestyle. Set on an exceptional 1.97-acre lot with 355 feet of pristine shoreline, 1291 Brackenrig Road offers a rare combination of privacy, natural beauty and endless opportunities to enjoy life on the water. Located just minutes from Port Carling, this property places you in the heart of Muskoka while still offering the peace and seclusion buyers dream of. The shoreline is truly exceptional, featuring a sa…

Property details

MLS#

X13446040

Status

Buy Now

Beds

3+1

Baths

3 full, 0 half

Size

1500-2000

Style

Bungalow-Raised

Type

Detached

Year built

—

Roof: Asphalt Shingle
Foundation: Concrete

Fireplaces: 2
Fireplace features: Wood

View: Water

Waterfront: Yes
Water view: Direct
Water body: Lake Rosseau
Water frontage: 355 ft
Shoreline: Clean, Natural
Waterfront features: Beach Front, Boat Slip, Dock

Garage: None
Garage spaces: 0
Parking: 8 total
Heating: Forced Air
Heating fuel: Propane
Cooling: None
Pool: No
Exterior: Brick, Vinyl Siding
Fronting on: West
Cross street: Hwy 118 & Brackenrig
Basement: Exposed Rock, Partially Finished
Stories: —
Utilities: —
Laundry: —
Interior: Primary Bedroom - Main Floor, Storage
Parking features: Private

Rooms

Level	Room	Dimensions
Main	Living Room	5.33m × 5.85m
Main	Dining Room	7.37m × 3.44m
Main	Kitchen	4.35m × 5.21m
Main	Primary Bedroom	3.41m × 4.51m
Main	Bathroom	4.38m × 2.16m
Main	Bedroom	2.77m × 4.69m
Main	Bedroom 3	2.71m × 3.38m
Main	Laundry	1.73m × 2.92m
Basement	Recreation	7.04m × 9.08m
Basement	Bedroom 4	4.29m × 4.2m
Basement	Bathroom	2.5m × 2.5m
Basement	Utility Room	4.02m × 13.56m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $5,295,000✓ $13,633 tax✓ Propane✓ 1500-2000 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$36,476/mo

incl. closing costs (yr 1)

Annual total

$437,714

year 1

Mortgage only

$20,088/mo

principal + interest

Beyond mortgage

$6,026/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$1,059,000

20%+ required — no CMHC insurance on $1.5M+ homes

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$1,136/mo

Utilities

Hydro / electricity$123/mo

≈ $0.07/ft² × ~1,750 ft² · ON avg ~$123/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%$52,950/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$118,850

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)55% $241,051/yr

Property taxes30% $132,483/yr

Utilities1% $4,530/yr

Insurance & security0% $1,600/yr

Maintenance12% $52,950/yr

Closing costs1% $5,100/yr

Mortgage is 55% of your true cost of ownership. The other 45% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$241,051	$20,088/mo
Government & taxes
Property tax	$13,633	$1,136/mo
Land transfer tax(closing)	$118,850	$9,904/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$1,470	$123/mo
Propane	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$52,950	$4,413/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	$437,714	$36,476/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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1291 Brackenrig Road

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Property details

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Rooms

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Annual costs