445 Pengelley Drive
Otonabee-South Monaghan, ON
- 3 bed
- 1 bath
- approx. 700-1100 sqft
- Detached
Updated and move-in ready bungalow with beautiful views of Rice Lake! The modern kitchen opens to the bright living and dining areas, where vaulted ceilings and south-facing windows fill the space with natural light while capturing peaceful water views. Walk out from the living room to a spacious composite deck overlooking the yard and Lake. The bright, airy feel continues through 2 bedrooms and a 4-piece washroom. The finished lower level adds extra living space with a rec room featuring a cozy propane fireplace, bar nook and 3rd bedroom. A detached, heated 2-car garage provides excellent space for parking, storage, hobbies or a workshop. Enjoy convenient access to Rice Lake across the public road allowance. All this conveniently located with easy access to Hwy 401, 115 & 28; an inviting year-round home or peaceful escape!
Virtual Tour
Virtual Tour Available
Listing Details
- Taxes (2026)
- $4,222
Price History
Property
- Style
- Bungalow
- Age
- 31-50
- Construction
- Cedar, Stone
- Roof
- Asphalt Shingle
- Foundation
- Block, Poured Concrete
- Interior
- Primary Bedroom - Main Floor, Sump Pump, Water Heater Owned, Water Treatment
Parking
- Garage
- Detached
- Covered Spaces
- 2.5
- Total Parking
- 6
- Parking Features
- Private Double
Structures
- Other Structures
- Shed
Utilities
- Water
- Drilled Well
- Sewer
- Septic
- Heat Source
- Propane
Location & Legal
- Cross Street
- Scriven Rd / Hannah Rd
- Parcel Number
- 280200054
- Possession
- 60-89 days
- Occupancy
- Owner
Included
- Inclusions
- Fridge, Stove, Over the range microwave, Washing machine & Dryer, Light fixtures & fan, Washroom mirror, Drapes & hardware. Hot Dawg propane heater in garage, Work benches & shelves in garage, Tv & wall mount in garage. Security camera x4 on house & garage. Dock & boat lift.
- Rental Items
- Propane tanks - approx $155/yr + hst (Kelly's Fuel)
Community
Postal area K0L
- Population
- 78,142
- Private dwellings
- 48,786
- Median age
- 54
- Average household size
- 2.3
- Median household income
- $79,000
Source: Statistics Canada, 2021 Census of Population, catalogue 98-401-X2021013. Adapted from Statistics Canada. This does not constitute an endorsement by Statistics Canada of this product.
Local market
Residential Freehold in Otonabee-South Monaghan · last 12 months
- Median sold price
- $595,000
- Homes sold
- 95
- Median days on market
- 40
- Sale-to-list price
- 93.9%
Based on 95 recorded sales of residential freehold properties in Otonabee-South Monaghan over the last 12 months.
Rooms
4-piece on Main
Main
- Bedroom 210'2" x 11'10"
- Dining Room15'11" x 7'6"
- Kitchen10'6" x 12'2"
- Living Room15'8" x 11'9"
- Primary Bedroom10'2" x 12'10"
Basement
- Bedroom8'5" x 20'2"
- Recreation15'1" x 31'4"
- Utility Room8'4" x 10'10"
Listed by
Royal LePage Our Neighbourhood Realty
Walk Score
Walk Score is unavailable for this address right now.
Location
Street View
What this home costs
Based on $47,690 down (6.56%) · 25 yrs · 5.50% fixed, placeholder rate · Canadian citizen or PR · just me · before other debts.
No published rate is available right now: this uses a placeholder rate; type your own below.
Rented equipment from the listing: Propane tanks - approx $155/yr + hst (Kelly's Fuel) (monthly amount not listed, not included).
- Mortgage(calculated)includes the mortgage insurance premium added to the loan$4,312
- Property tax(from the listing)$352
- Heating(estimated)$220
- Home insurance(estimated)$182
Utilities other than heat (hydro, water, internet) are not included.
- Down payment(calculated)$47,690
- Land transfer tax(calculated)$11,013
- Sales tax on the insurance premium(calculated)paid in cash at closing, not added to the loan$2,173
- Legal and title insurance(estimated)$2,050
- Closing adjustments(estimated)prepaid property tax and condo fees$1,454
- Home inspection(estimated)$400
- Water test and septic inspection (optional)(estimated)$700
Tested at 7.50%, the higher rate lenders use (your rate plus 2, or 5.25%, whichever is higher).
Assumes no other debts: housing costs (mortgage, property tax, heating, half any condo fee) at most 39% of gross income.
For example, a quote from your bank. Leave it empty to use 5.50%.
This listing shows a well or septic system. Lenders and insurers usually want a water test and a septic inspection; they are in the cash breakdown as an optional line.
Rate: a placeholder, not a published rate. Every figure is an estimate.
Investment Analysis
Investor terms: 20% minimum down; mortgage rates for rental properties are often higher, so these figures can differ on purpose from “What this home costs”. Rate: a placeholder, not a published rate; figures are illustrative only.
No recent nearby lease data. Enter a rent to see the numbers.
Mortgage: $3,550/mo (20% down, 5.5%)
Taxes: $352/mo · Insurance: $182/mo
Estimates only. Consult a financial advisor.
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