5420 Centennial Lake RD, Greater Madawaska, ON K0J 2R0
5420 Centennial Lake RD , Greater Madawaska, ON K0J 2R0
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Bed Rooms
9
Bath Rooms
3
Acres Lot
25
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Year Built
--
Days of On-Site Use
--
Property Type
Single Family Home
Price per Sqft
--
Car Garage
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Property Details
Key Details
Sub Type
Detached
Listing Status
Active
Purchase Type
For Sale
Approx. Sqft
2500-3000
Subdivision
542 - Greater Madawaska
MLS Listing ID
X12392056
Style
1 Storey/Apt
Bedrooms
9
Annual Tax Amount
$4,077
Tax Year
2024
Lot Size
25.000 Acres
Property Sub-Type
Detached
Location
Province
ON
County
Renfrew
Area
Renfrew
Body of Water
Centennial Lake
Rooms
Family Room
No
Basement
Unfinished
Kitchen
3
Interior
Interior Features
Other
Cooling
None
Fireplaces Number
1
Fireplaces Type
Wood, Wood Stove
Inclusions
All docks. All furniture now on the property except listed as excluded and marked on the furniture in the cottages.
Exterior
Exterior Feature
Deck, Fishing, Privacy, Recreational Area, Seasonal Living
Parking Features
None
Pool
None
Waterfront Description
Beach Front,Boat Launch,Parking-Not Deeded,Waterfront-Not Deeded
View
Beach, Forest, Panoramic, Trees/Woods, Water
Roof Type
Asphalt Shingle
Road Frontage
ATV/4 WD Only, By Water
Lot Frontage
918.77
Lot Depth
1600.0
Building
Foundation
Block, Piers
Others
Senior Community
No
Security Features
Smoke Detector
ParcelsYN
No
Listed by EXIT REALTY GROUP
Residential financing tool — Navjot Singh

Residential mortgage & income qualification calculator

Ontario rules: minimum down payment tiers, CMHC/Sagen/Canada Guaranty insurance premiums, the federal stress test, GDS/TDS limits, and Ontario/Toronto land transfer tax. Enter the deal, see what income is required to qualify.

Purchase & mortgage inputs

Minimum required for this price: 5% on the first $500,000, 10% on the remainder.
Only 50% of condo fees count toward GDS/TDS.
Car loans, credit cards, student loans, other credit obligations.
Enter this to check pass/fail against required income. Leave at 0 to just see what's required.
Legal fees, title insurance, home inspection, adjustments.

Qualification & closing costs

Conventional (uninsured)
Loan amount
$0
Total mortgage (incl. premium)
$0
Monthly payment (contract rate)
$0
Monthly qualifying payment
$0
Stress-test qualifying rate (MQR)0.00%
GDS ratio (at qualifying rate)0.0%
TDS ratio (at qualifying rate)0.0%
Insurance premium rate—
Insurance premium$0
Ontario PST on premium (8%, cash)$0
Ontario land transfer tax$0
Ontario first-time buyer rebate$0
Toronto municipal land transfer tax$0
Toronto first-time buyer rebate$0
Total cash needed to close$0
For information purposes only. This calculator reflects publicly available federal and Ontario mortgage rules as of mid-2026 and does not constitute financial, legal, tax or mortgage advice. Confirm current rules and your actual qualification with a licensed mortgage professional or lender before making a decision.
  • Minimum down payment: 5% on the first $500,000, 10% on the portion from $500,000 to $1.5 million. Properties at or above $1.5 million require at least 20% down and cannot be insured.
  • Maximum insured amortization is 25 years, or 30 years if you are a first-time buyer or purchasing a new build. Insured mortgages also require a minimum credit score of 600 and a traditional (non-borrowed) down payment source.
  • The stress test qualifying rate is the greater of your contract rate + 2%, or the 5.25% regulatory floor.
  • GDS (39%) and TDS (44%) are standard insurer guidelines; individual lenders may apply different limits, especially for conventional (uninsured) mortgages.
  • Land transfer tax figures use current Ontario and Toronto marginal rate schedules and standard first-time buyer rebates. Other municipalities in Ontario do not currently levy a municipal land transfer tax.
Prepared by Navjot Singh.

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5420 Centennial Lake RD

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Navjot Singh

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+1(519) 505-5832 | navjot@teammosaic.ca

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