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$595K · 2 bed Common Element Condo · Fenelon Falls, Kawartha Lakes | MyPropertyScout

$595,000

Unit 302

40 DOM

2240d

Map

DOM 40

Waterfront

$595,000

DOM40days

Unit 302

Balsam House · 19 A West Street · Kawartha Lakes · Ontario K0M 1N0

MLS® X13434260 · Fenelon Falls · K0M 1N0

22OwnerOccupied1000-1199 ft²Common Element Condo1-car SurfaceNo basement40d$541/ft²$4,116 tax/yrBuilt 20233 yrs oldNo basement

40 days on market

About this home

Welcome to sought-after Fenelon Falls and the exclusive waterfront community of Fenelon Falls Club. Situated in Balsam House, this immaculate third-floor corner suite overlooks the sparkling shores of Cameron Lake. Designed with intention, this residence features exceptional upgrades and elevated finishes throughout. Built in 2023, this bright and airy 2 bedroom, 2 bath residence offers open-concept living, two walk-outs to your private balcony, and breathtaking sunset views that make every even…

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Property details

MLS#: X13434260
Status: Buy Now
Property class: Residential Condo & Other
Beds: 2
Baths: 2 full, 0 half
Rooms: 6
Kitchens: 1
Size: 1000-1199Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: None
Style: Apartment
Type: Common Element Condo
Year built: 2023

Occupancy: Owner Occupied
Washrooms: 4 pc · Main; 4 pc · Main
Family room: No
Central vacuum: No
Ensuite laundry: Ensuite laundry

Property features: Beach, Electric Car Charger, Golf, Lake Access, Rec./Commun.Centre, Waterfront

Fireplaces: 1
Fireplace features: Electric, Living Room

View: Lake, Trees/Woods

Waterfront: Yes
Water body: Cameron Lake
Shoreline: Clean
Waterfront features: Trent System

Building name: Balsam House
Condo corp #: 34
Balcony: Open
Locker: Owned
Association amenities: Bike Storage, Club House, Exercise Room, Gym, Outdoor Pool, Tennis Court
Fees include: Common Elements Included, Building Insurance Included, Parking Included
Pets: Yes-with Restrictions

Garage: 1-car Surface
Garage spaces: 1
Parking: 1 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Exterior: Other · Landscaped, Lawn Sprinkler System, Porch, Year Round Living
Fronting on: —
Cross street: West St N/County Rd 8
Stories: 3
Utilities: —
Laundry: In-Suite Laundry
Interior: Air Exchanger, Carpet Free, Storage Area Lockers, Water Heater
Parking features: Inside Entry, Surface

Additional listing data

ListAOR: Central Lakes Association of REALTORS

Rooms

Room details

Seller signals

Price movement & seller pressure

No price-drop or motivated-seller signals detected from MLS data we track on this listing.

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: AFFINITY GROUP PINNACLE REALTY LTD.

Source: TRREB/PROPTX · MLS® X13434260

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$595K

Unit 302 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $595,000✓ $4,116 tax✓ Gas✓ 1000-1199 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$5,207/mo

incl. closing costs (yr 1)

Annual total

$62,488

year 1

Mortgage only

$2,257/mo

principal + interest

Beyond mortgage

$1,794/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$119,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$343/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,100 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%$5,950/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)$44/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$8,375

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)43% $27,087/yr

Property taxes20% $12,491/yr

Utilities6% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance10% $5,950/yr

Condo fees10% $6,300/yr

Closing costs8% $5,100/yr

Mortgage is 43% of your true cost of ownership. The other 57% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$27,087	$2,257/mo
Government & taxes
Property tax	$4,116	$343/mo
Land transfer tax(closing)	$8,375	$698/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%)	$5,950	$496/mo
Condo fees
Condo / HOA fees	$6,300	$525/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	$62,488	$5,207/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 302

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Price movement & seller pressure

Sales History

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Annual costs