$599,900
↓ $20,000 from $619,900
Est. payment $2,656/moCalculate yours
1027 Spencers Trail, Highlands East, ON K0M 1X0
Glamorgan, Highlands East, ON K0M 1X0
- 3 Beds
- 1 Baths
- 700 Sq Ft
Listing courtesy of Royal LePage Lakes Of Haliburton MLS® X13095752
About this home
Welcome to your perfect four-season lakeside retreat-where comfort, convenience, and classic cottage charm come together beautifully. This renovated 3-bedroom cottage offers excellent year-round access, making it ideal as both a weekend escape or a year round destination. Set on a gently sloping lot that leads effortlessly to the water’s edge, the property is perfect for all ages and provides easy enjoyment of all Salerno Lake has to offer. Inside, the cottage features a functional and comfortable layout with a bright living space designed for easy living. The expansive sunroom is an inviting space to relax with your morning coffee or unwind after a day on the water. Step outside to the large deck and take in stunning lake views, an ideal spot for entertaining, dining, or simply soaking up the peaceful surroundings. The lake itself is a standout feature, offering plenty of room for watersports, swimming, and boating, along with great fishing right off your dock. Recent upgrades provide peace of mind and modern efficiency and, include a heat pump, heated waterline, new flooring, upgraded appliances, refreshed kitchen, remodeled bathroom with convenient laundry facilities, new windows, and an newer deck. Property comes with everything included allowing you to move in and enjoy without the hassle. Whether you’re looking to relax, entertain, or explore the outdoors, this turnkey waterfront property delivers it all.
Property details
Overview
- Property Type
- Detached
- Style
- Bungalow
- For
- For Sale
- Status
- Extension
- Size
- 700 sqft
Interior
- Bedrooms
- 3
- Bathrooms
- 1
- Kitchens
- 1
- Basement
- Crawl Space
Building & Systems
- Heating
- Heat Pump (Electric)
- Cooling
- None
- Exterior
- Wood
- Foundation
- Concrete Block
- Roof
- Asphalt Shingle
- Water
- Other
- Sewer
- Septic
Lot & Parking
- Lot Size
- 107 x 157 Feet
- Parking
- None garage · 4 total
- Zoning
- LSR - Limited Service Residential
Financial
- Property Taxes
- $3,148 (2025)
Location
- Neighbourhood
- Glamorgan
- Cross Street
- Irondale Rd. & Salerno Lake Rd.
- Direction Faces
- East
Listing
- MLS® Number
- X13095752
- Days on Market
- 164
- Listed On
- 2026-05-07
- Possession
- Flexible
- Listed By
- Royal LePage Lakes Of Haliburton
Rooms
Features
Interior
- Carpet Free
- Primary Bedroom - Main Floor
- Water Heater Owned
Property
- Lake/Pond
- Waterfront
- Wooded/Treed
Pool
- None
- Included
- As viewed
- Excluded
- Personal Items
Mortgage calculator
Estimated mortgage payment
$2,656 per month
- Principal and interest
- $2,656
- Property tax
- $262
- Condo fees
- $0
- Estimated monthly cost
- $2,919
Your mortgage
- Mortgage amount
- $479,920
- Mortgage insurance
- Not needed
- Interest over 25 years
- $316,948
Cash to close
- Down payment
- $119,980
- Land transfer tax
- $8,473
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $128,453
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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