4475 Kawagama Lake RD, Algonquin Highlands, ON P0A 1E0
4475 Kawagama Lake RD , Algonquin Highlands, ON P0A 1E0
$ 2,470,000
Bed Rooms
3
Bath Rooms
3
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Year Built
--
Days of On-Site Use
--
Property Type
Single Family Home
Price per Sqft
--
Car Garage
2.0
Property Details
Key Details
Sub Type
Detached
Listing Status
Active
Purchase Type
For Sale
Approx. Sqft
1500-2000
Subdivision
Sherborne
MLS Listing ID
X13496876
Style
Bungalow
Bedrooms
3
Annual Tax Amount
$12,165
Tax Year
2025
Property Sub-Type
Detached
Location
Province
ON
County
Haliburton
Area
Haliburton
Zoning
SR1
Body of Water
Kawagama Lake
Rooms
Basement
Finished with Walk-Out, Full
Kitchen
1
Interior
Interior Features
Storage, Water Heater Owned, Primary Bedroom - Main Floor, Propane Tank
Cooling
Central Air
Fireplaces Number
2
Fireplaces Type
Living Room, Rec Room, Wood
Inclusions
See Schedule "C" ~ dishwasher, dryer, microwave, refrigerator, smoke detectors, stove, washer, hot water tank (owned) and window coverings.
Exterior
Exterior Feature
Deck, Fishing, Landscaped, Privacy, Year Round Living, Recreational Area
Parking Features
Detached
Pool
None
Waterfront Description
Stairs to Waterfront,Winterized,Boat Slip
View
Forest, Hills, Lake, Panoramic, Trees/Woods, Water, Skyline
Roof Type
Asphalt Shingle
Road Frontage
Year Round Municipal Road
Total Parking Spaces
8
Building
Foundation
Concrete Block
Lited by Forest Hill Real Estate Inc.
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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4475 Kawagama Lake RD

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Navjot Singh

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