$510K · 1 bed Condo Apartment · Unit 425, 25 Pen Lake Point Road, Huntsville, Ontario P1H 1A9

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About this home

Experience the very best of resort-style living in this exceptional one-bedroom condo, showcasing breathtaking, unobstructed views of Peninsula Lake. Truly one of a kind, this inviting yet sophisticated unit features a thoughtfully designed layout, high-quality finishes, and elegant designer details throughout. Enjoy soaring 9-foot ceilings, a modern kitchen complete with a ceramic backsplash, and a private balcony overlooking the lake-the perfect setting for your morning coffee or evening unwin…

Property details

MLS#

X12926456

Status

Buy Now

Property class

Residential Condo & Other

Beds

Baths

1 full, 0 half

Rooms

Kitchens

Size

500-599Exact finished sqft not on MLS feed (often MPAC-only on broker systems)

Basement

None

Style

Apartment

Type

Condo Apartment

Year built

—Year built not on MLS feed (often MPAC-only on broker systems)

Occupancy: Tenant Occupied
Washrooms: 3 pc · Main
Family room: No
Central vacuum: No
Ensuite laundry: No

Property features: Golf, Beach, Clear View

Waterfront: Yes
Water view: Direct,Unobstructive
Water body: Peninsula Lake
Shoreline: Clean, Sandy
Waterfront features: Beach Front

Condo corp #: 89
Balcony: Open
Locker: None
Association amenities: Exercise Room, Recreation Room, Tennis Court, Outdoor Pool, Playground, Visitor Parking
Fees include: Water Included, Condo Taxes Included, Parking Included, Building Insurance Included
Pets: Yes-with Restrictions

Garage: 1-car Surface
Garage spaces: 1
Parking: 1 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Exterior: Stucco (Plaster)
Fronting on: —
Cross street: Deerhurst Dr/Pen Lake Point Rd
Stories: 5
Utilities: —
Laundry: In Area, Common Area
Interior: Carpet Free
Parking features: Surface

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $509,900✓ $3,911 tax✓ Gas✓ 500-599 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,676/mo

incl. closing costs (yr 1)

Annual total

$56,109

year 1

Mortgage only

$1,934/mo

principal + interest

Beyond mortgage

$1,727/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$101,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$326/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~550 ft² · ON avg ~$75/mo

Gas$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%$5,099/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

Condo / HOA fees (mo)$46/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$6,673

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)41% $23,213/yr

Property taxes19% $10,584/yr

Utilities7% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance9% $5,099/yr

Condo fees12% $6,553/yr

Closing costs9% $5,100/yr

Mortgage is 41% of your true cost of ownership. The other 59% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$23,213	$1,934/mo
Government & taxes
Property tax	$3,911	$326/mo
Land transfer tax(closing)	$6,673	$556/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$5,099	$425/mo
Condo fees
Condo / HOA fees	$6,553	$546/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	$56,109	$4,676/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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Unit 425

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