110 Shadow Lake Rd 28 RD, Kawartha Lakes, ON K0M 1K0
110 Shadow Lake Rd 28 RD , Kawartha Lakes, ON K0M 1K0
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Bed Rooms
3
Bath Rooms
2
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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
Rural Residential
Listing Status
Active
Purchase Type
For Sale
Approx. Sqft
1100-1500
Subdivision
Somerville
MLS Listing ID
X13613670
Style
Backsplit 3
Bedrooms
3
Annual Tax Amount
$4,809
Tax Year
2026
Property Sub-Type
Rural Residential
Location
Province
ON
County
Kawartha Lakes
Area
Kawartha Lakes
Body of Water
Gull River
Rooms
Family Room
No
Basement
Crawl Space, Full
Kitchen
1
Interior
Interior Features
Carpet Free, Propane Tank, Storage, Water Softener, Sump Pump
Cooling
Central Air
Fireplaces Type
Electric
Inclusions
stainless steel stove, stainless steel microwave, stainless steel fridge, stainless steel dishwasher, washer & dryer, gas garage heater, hot tub (as is) all window coverings, water softener (as is) electric fireplace
Exterior
Exterior Feature
Deck, Hot Tub, Landscaped, Year Round Living
Parking Features
Private
Pool
None
Waterfront Description
Dock,River Access,River Front,Stairs to Waterfront
View
River
Roof Type
Metal
Road Frontage
Year Round Private Road
Lot Frontage
100.0
Lot Depth
172.0
Total Parking Spaces
8
Building
Building Age
16-30
Foundation
Concrete Block
Others
Senior Community
Yes
Security Features
Smoke Detector
ParcelsYN
No
Listed by JOHNSTON & GREEN REAL ESTATE LTD.
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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110 Shadow Lake Rd 28 RD

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Navjot Singh

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