44 Chalk Lake Road, Scugog

$2,249,000
44 Chalk Lake Road

$2,249,000

New
23d
Detached2-Storey

44 Chalk Lake Road, Scugog

Total Monthly Obligation $10,280

Beds
3
Baths
3
Park
3
Sqft
2500-3000
DOM
23d
Score
13
Yield
1.9%
Cash on Cash
-15.1%
Cap Rate
1.3%
5Y IRR
3.8%
10Y IRR
5.6%
Property Type-Detached
MLS® Number-E13842426
Beds-3
Bathrooms-3
Size-2500-3000 sqft
Lot Size-150 × 123.08 ft
Listed on site-Sep 30, 2026
Style-2-Storey
Building Type-Detached
Taxes-$10,000.86 (2025)
Parking-5 - Carport
Basement-Finished with Walk-Out, Walk-Out, Separate Entrance, Apartment, Finished
Heating-Baseboard (Electric)
Brokerage-RE/MAX ULTIMATE REALTY INC.
Cooling-Wall Unit(s)
Laundry-No
Fireplace-Electric, Propane, Wood
Pool-None
Facing-South
Exterior-Vinyl Siding
Roof-Asphalt Shingle, Metal
Foundation-Concrete Block
Sewer-Holding Tank
Possession-Anytime
Neighbourhood-Rural Scugog
Title-Residential Freehold

No agent assigned

Featuring 199.95 feet of direct, South-facing water frontage on the crystal-clear, spring-fed waters of Chalk Lake, 44 Chalk Lake Road is the ultimate year-round sanctuary. Positioned just 5 minutes from the 407 highway, local favorites like Slabtown Cider, nearby ski hills, and expansive trail networks, this property offers Toronto and Durham commuters a serene rural escape within 45 minutes of the city.Perched gracefully on one of the lake's highest points, this beautifully updated 3-bedroom, 3,546 sq.ft. 2-storey home with a finished walk-out lower level blends rustic 1880 charm with modern sophistication. Unobstructed panoramic views frame the quiet, motor-free lake-a clean, deep-water haven ideal for swimming, kayaking, and paddleboarding. Enjoy exclusive deeded access to a private sandy beach, or stroll down the stairs to your private dock and waterfront accessory bunkie, perfect for guests.Inside, expansive windows capture stunning water vistas. The main level showcases rich hardwood flooring, an open-concept living and dining area with a cozy fireplace, a gourmet kitchen with a centre island stepping out to a spacious deck, and a main floor bedroom with its own fireplace. The upper level hosts two remarkably spacious bedrooms-one featuring a walk-in closet and the other a scenic Juliette balcony-plus a large full bathroom. The fully finished lower level serves as a complete in-law suite or apartment, complete with a separate entrance, second kitchen, family room with a fireplace, breakfast area, and a 3-piece bath. A flat, private double driveway with a carport provides 5 parking spaces, seamlessly pairing refined lakeside tranquility with effortless commuter accessibility.

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(utilities, internet...)
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Closing Costs

Mortgage Amount
$1,799,200
Land Transfer Taxes$42,700
Legal Fees (Est.)
$
Total cash required for closing$494,000

Total Monthly Obligation

$10,280/mo
Mortgage $9,072
Monthly Loss $7,893
Principal$2,387
Interest$6,685
Property Tax$833
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
1.1%8
Cash-on-Cash
-17.6%0
5-Year IRR
1.8%5
10-Year IRR
4.3%
Returns Index
3.4/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
13/ 100
Avoid•Pass

Strategy: Buy & Hold — Weights: CFI 35% · RI 25%
RKI 20% · GI 20%

Assumptions & Inputs
$/mo
%
$
yr
%
Cash Flow
Weight: 35%
Gross Rent
$42,600/yr
NOI
$23,839/yr
Net Cash Flow
-$7,085/mo
Cash Margin
-199.6%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.222
LTV Ratio
80.0%18
Vacancy Buffer
1.0 mo16
Risk Index
12.0/ 100

*This analysis is independently generated NOT provided by TREB or CREA.

Comparables

Properties near 44 Chalk Lake Road

Time

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