22 photos

Highlight

Year Built

Days of On-Site Use

Property Type

Single Family Home

Price per Sqft

Car Garage

Property Details

Key Details

Sub Type

Other

Listing Status

Active

Purchase Type

For Sale

Approx. Sqft

< 700

Subdivision

45 - Frontenac Centre

MLS Listing ID

X13553536

Style

Other

Bedrooms

Annual Tax Amount

$1,643

Tax Year

2025

Lot Size

0.500 Acres

Property Sub-Type

Other

Location

Province

County

Frontenac

Area

Frontenac

Body of Water

Bobs Lake

Rooms

Kitchen

Interior

Interior Features

Carpet Free, Water Heater

Inclusions

Four 400Ah lithium batteries, a Victron charge controller, and a backup generator. A propane stove and heater, refrigerator, camp griddle, lake water system, generator, backup batteries for solar. All furnishings. 5 kayaks. Dock. Picnic table. BBQ

Exterior

Exterior Feature

Awnings, Deck, Fishing, Seasonal Living

Pool

None

Waterfront Description

Dock

View

Lake

Roof Type

Metal

Road Frontage

By Water

Building

Building Age

16-30

Foundation

Post & Pad

Sewer

Grey Water

Others

Senior Community

ParcelsYN

Listed by COLDWELL BANKER SETTLEMENT REALTY

Purchase & mortgage inputs

Purchase price $650,000

First-time home buyer

New construction / new build

Property is in the City of Toronto (adds Toronto MLTT)

Down payment 10% · $65,000

Minimum required for this price: 5% on the first $500,000, 10% on the remainder.

Interest rate (contract) 4.99%

Amortization 25 yrs

Property taxes, annual $4,200

Heating, annual $1,800

Condo fees, monthly $0

Only 50% of condo fees count toward GDS/TDS.

Other monthly debt payments $400

Car loans, credit cards, student loans, other credit obligations.

Household annual income, optional $0

Enter this to check pass/fail against required income. Leave at 0 to just see what's required.

Other closing costs $2,000

Legal fees, title insurance, home inspection, adjustments.

Qualification & closing costs

Conventional (uninsured)

Loan amount

Total mortgage (incl. premium)

Monthly payment (contract rate)

Monthly qualifying payment

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.

GET MORE INFORMATION

Navjot Singh

REALTOR® | License ID: 5027745

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

Residential mortgage & income qualification calculator

Purchase & mortgage inputs

Qualification & closing costs

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