$9.85M · 5 bed Detached · Kenora

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About this home

THE MOST EXTRAORDINARY WATERFRONT ESTATE EVER OFFERED ON LAKE OF THE WOODS. Encompassing ~3.5 acres on a secluded private peninsula, this architectural masterpiece features nearly 8,000 SF of impeccably crafted living space, an unparalleled sanctuary for both family living and lavish entertaining. This year-round waterfront retreat is located on Lake of the Woods, one of North America's largest freshwater lakes with 25,000 miles of shoreline shared between Ontario & Minnesota. A majestic 2-store…

Property details

MLS#

X13447490

Status

Buy Now

Beds

Baths

6 full, 0 half

Size

5000 +

Style

2-Storey

Type

Detached

Year built

—

Roof: Shake
Foundation: Concrete

Waterfront: Yes
Water view: Direct
Water body: Lake Of The Woods Lake
Water frontage: 166.98 ft
Shoreline: Clean, Sandy
Waterfront features: Boathouse, Dock, Beach Front, Boat Lift

Garage: 3-car Attached
Garage spaces: 3
Parking: 13 total
Lot: 344.33 × 462.47
Heating: Forced Air
Heating fuel: Propane
Cooling: Central Air
Fireplaces: —
Pool: No
Exterior: Wood, Stone
Fronting on: North
Cross street: McKenzie Portage Rd & Peninsula Rd
Basement: Crawl Space
Stories: —
Utilities: —
Laundry: —
Interior: Primary Bedroom - Main Floor
Parking features: Private

Rooms

Level	Room	Dimensions
Ground	Sunroom	6.83m × 7.01m
Ground	Kitchen	9.33m × 5.91m
Ground	Dining Room	6.25m × 6.37m
Ground	Living Room	7.95m × 7.89m
Ground	Primary Bedroom	8.2m × 8.23m
Ground	Bathroom	8.96m × 7.13m
Ground	Bedroom 2	3.63m × 4.24m
Ground	Laundry	3.32m × 6.77m
Ground	Foyer	8.96m × 10.09m
Second	Loft	6.43m × 7.5m
Second	Den	6.67m × 5.33m
Second	Bedroom 3	7.28m × 5.21m
Second	Bedroom 4	6.43m × 3.9m
Second	Bedroom 5	5.79m × 3.93m
Second	Family Room	6.28m × 7.83m
Second	Bedroom	6.28m × 3.32m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $9,850,000✓ $12,996 tax✓ Propane✓ 5000 + ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$67,216/mo

incl. closing costs (yr 1)

Annual total

$806,595

year 1

Mortgage only

$37,368/mo

principal + interest

Beyond mortgage

$9,996/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$1,970,000

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

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$1,083/mo

Utilities

Hydro / electricity$350/mo

≈ $0.07/ft² × ~5,000 ft² · ON avg ~$350/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%$98,500/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$232,725

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)56% $448,414/yr

Property taxes30% $245,721/yr

Utilities1% $7,260/yr

Insurance & security0% $1,600/yr

Maintenance12% $98,500/yr

Closing costs1% $5,100/yr

Mortgage is 56% of your true cost of ownership. The other 44% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$448,414	$37,368/mo
Government & taxes
Property tax	$12,996	$1,083/mo
Land transfer tax(closing)	$232,725	$19,394/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$4,200	$350/mo
Propane	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$98,500	$8,208/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	$806,595	$67,216/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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4 & 5 Peninsula Road

About this home

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Property details

Additional listing data

Rooms

Sales History

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Annual costs