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$319K · 2 bed Common Element Condo · 45 - Frontenac Centre, Frontenac | MyPropertyScout

$319,000

Unit 15

26 DOM

2126d

Map

DOM 26

Waterfront

$319,000

DOM26days

Unit 15

1021 Spruce Trail · Frontenac · Ontario K0H 1B0

MLS® X13492976 · 45 - Frontenac Centre · K0H 1B0

21OwnerOccupied1000-1199 ft²Common Element CondoNonePartial Basement26d$290/ft²$1,779 tax/yrPartial Basement

26 days on market

About this home

Year-Round Home or Cottage with Private Lake Access to Garrison Lake! Welcome to your affordable escape in the heart of cottage country. This 2-bedroom, 1-bathroom home offers year-round living or the perfect seasonal retreat. Just a one-minute walk from the lake and year-round living or the perfect seasonal retreat. Just a one-minute walk from the lake and set on a generously sized lot, this property features a spacious living room, a functional kitchen, a sunroom, an unfinished basement, a she…

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Property details

MLS#: X13492976
Status: Buy Now
Property class: Residential Condo & Other
Beds: 2
Baths: 1 full, 0 half
Rooms: 7
Kitchens: 1
Size: 1000-1199Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: Partial Basement
Style: Bungalow
Type: Common Element Condo
Year built: —Year built not on MLS feed (often MPAC-only on broker systems)

Occupancy: Owner Occupied
Washrooms: 3 pc · Ground
Family room: No
Central vacuum: No
Ensuite laundry: No

Roof: Asphalt Shingle
Foundation: Other
Property features: Beach, Campground, Golf, Lake Access, Library, Park

Fireplaces: 1
Fireplace features: Wood Stove

View: Garden, Trees/Woods

Waterfront: Yes

Condo corp #: 70
Balcony: None
Locker: None
Fees include: Common Elements Included
Pets: Yes-with Restrictions

Garage: None
Garage spaces: 0
Parking: 4 total
Heating: Forced Air
Heating fuel: Propane
Cooling: None
Exterior: Vinyl Siding · Deck, Privacy, Year Round Living
Fronting on: —
Cross street: Teal Trail & Garrison Lake Road
Stories: 1
Utilities: —
Laundry: Other
Interior: Propane Tank, Water Heater Owned
Parking features: Other

Additional listing data

ListAOR: Toronto Regional Real Estate Board

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: ROYAL HERITAGE REALTY LTD.

Source: TRREB/PROPTX · MLS® X13492976

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$319K

Unit 15 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $319,000✓ $1,779 tax✓ Propane✓ 1000-1199 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$2,847/mo

incl. closing costs (yr 1)

Annual total

$34,161

year 1

Mortgage only

$1,210/mo

principal + interest

Beyond mortgage

$907/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$63,800

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$148/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,100 ft² · ON avg ~$75/mo

Propane$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%$3,190/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)$5/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$3,260

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)43% $14,522/yr

Property taxes15% $5,039/yr

Utilities12% $3,960/yr

Insurance & security5% $1,600/yr

Maintenance9% $3,190/yr

Condo fees2% $750/yr

Closing costs15% $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)	$14,522	$1,210/mo
Government & taxes
Property tax	$1,779	$148/mo
Land transfer tax(closing)	$3,260	$272/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Propane	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$3,190	$266/mo
Condo fees
Condo / HOA fees	$750	$63/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	$34,161	$2,847/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 15

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Price movement & seller pressure

Sales History

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Annual costs