$310,000
↓ $9,000 from $319,000
Est. payment $1,373/moCalculate yours
1021 Spruce Trail 15, Frontenac, ON K0H 1B0
45 - Frontenac Centre, Frontenac, ON K0H 1B0
- 2 Beds
- 1 Baths
- 1,000 Sq Ft
Listing courtesy of ROYAL HERITAGE REALTY LTD. MLS® X13492976
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 shed for your tools and toys, and a large wraparound deck that’s perfect for relaxing or entertaining. The home is heated with propane, with the current owners enjoying comfortable year-round living. While the property could benefit from some TLC and updating, it presents an excellent opportunity to add value and make it your own. Whether you’re looking for a family cottage, retirement getaway, or affordable home near the water, the potential here is undeniable. retirement getaway, or affordable home near the water, the potential here is undeniable. As part of Frontenac Land Condominium Plan 70, owners enjoy access to a variety of shared As part of Frontenac Land Condominium Plan 70, owners enjoy access to a variety of shared As part of Frontenac Land Condominium Plan 70, owners enjoy access to a variety of shared amenities, including a newer shower house, washroom facilities, private beach, boat launch, and recreational common areas. The condominium consists of individually owned properties surrounded by jointly owned common spaces for the enjoyment of all residents. Enjoy swimming, boating, fishing, and all the benefits of lake life without the expense of waterfront boating, fishing, and all the benefits of lake life without the expense of waterfront ownership. Annual condominium fees are $750. A rare opportunity to own an affordable property moments away from the lake! Bring your vision and start making memories at Garrison Lake.
Property details
Overview
- Property Type
- Common Element Condo
- Style
- Bungalow
- For
- For Sale
- Status
- Price Change
- Size
- 1,000 sqft
Interior
- Bedrooms
- 2
- Bathrooms
- 1
- Kitchens
- 1
- Basement
- Partial Basement
Building & Systems
- Heating
- Forced Air (Propane)
- Cooling
- None
- Exterior
- Vinyl Siding
- Foundation
- Other
- Roof
- Asphalt Shingle
Lot & Parking
- Parking
- None garage · 4 total
Financial
- Property Taxes
- $1,779 (2026)
- Condo Fee
- $63/mo
- Fee Includes
- Common Elements Included
- Pets
- Yes-with Restrictions
Location
- Neighbourhood
- 45 - Frontenac Centre
- Cross Street
- Teal Trail & Garrison Lake Road
Listing
- MLS® Number
- X13492976
- Days on Market
- 115
- Listed On
- 2026-06-25
- Possession
- 30 DAYS
- Listed By
- ROYAL HERITAGE REALTY LTD.
Rooms
Features
Interior
- Propane Tank
- Water Heater Owned
Property
- Beach
- Campground
- Golf
- Lake Access
- Library
- Park
- Included
- Fridge, Stove
- Excluded
- ATV, Aluminum Boat, Shed tools, Paper shredder, microwave, toaster, coffee machine freezer, Coca-Cola mini fridge, Tall dresser/mirror dresser, Orange chair, Bedroom & Living room Tv, Computers & printer, Green computer chair, Glass displays, nick-knacks, personal photos, nick-knacks, Ac floor unit
Mortgage calculator
Estimated mortgage payment
$1,373 per month
- Principal and interest
- $1,373
- Property tax
- $148
- Condo fees
- $63
- Estimated monthly cost
- $1,583
Your mortgage
- Mortgage amount
- $248,000
- Mortgage insurance
- Not needed
- Interest over 25 years
- $163,784
Cash to close
- Down payment
- $62,000
- Land transfer tax
- $3,125
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $65,125
With less than 20% down, a 30-year amortization is available to first-time buyers and buyers of newly built homes.
Talk to me about financingEstimates only, not a mortgage offer or financial advice. Uses the Canadian fixed-rate convention (interest compounded twice a year), 2026 mortgage insurance premiums and Ontario land transfer tax. Your lender will confirm your actual rate and payment.
Location
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