1294 Harding Lane, Frontenac, ON

$549,900
MLS#:X13233270
2 beds
1 baths
< 700 sqft
4.0 parking
Residential Freehold
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Property Highlights

Welcome to this remarkable Bungalow detached located in the coveted neighborhood of 45 - Frontenac Centre. Expertly crafted featuring premium hardboard construction, this residence presents an exceptional opportunity offered at $549,900 to acquire a beautiful home in a highly sought-after setting. Designed for both comfortable daily living and elegant entertaining, the layout maximizes natural light, functional flow, and lifestyle utility.

  • 2 Bedrooms and 1 Bathroom
  • Generous living space spanning < 700 sqft on a premium 450 x 315 ft lot
  • 4.0 total parking spaces available
  • Notable attributes: Carpet Free, Primary Bedroom - Main Floor, Water Heater Owned
  • equipped with window unit(s) central cooling and highly efficient baseboard heating via electric

Description

IMAGINE SILVER LAKE! On 3+ acres with 450 feet of beautiful shoreline. A rare find: this comfortable and updated 2 bedroom, 1 bath cottage plus a 184 sq.ft. Bunkie makes this the perfect get-away or family gathering place for those special times. The secluded southern exposure affords enjoyment of the sparkle of the lake from early morning until late afternoon. While not winterized, the current owners have equipped the cottage for winter use, for when they snowshoe in. No matter the season - whether on the dock or in the cottage - enjoy the beauty and serenity of this pristine spring-fed lake that is abundant with fish species, including northern pike, lake trout, yellow perch, small and large mouth bass and sunfish. Improvements made since 2020 include renovated kitchen with Corian counter tops, new dock, new bunkie, stairs to bunkie, steel roof, 100 AMP breaker panel, grey water septic, composting system and much more done; all with permits, approvals and inspections. Shoreline is generally rocky and with the new dock it is perfect for swimming, launching a canoe, kayak or small boat. Call now this is fully furnished and ready to be enjoyed, complete with a spectacular panoramic view of Silver Lake!

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Key Features

Bedrooms
2
Bathrooms
1
Kitchens
1
Living Area
< 700 sqft
Property Type
Residential Freehold

Additional Details

StatusPrice Change
Listed Date6/3/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural StyleBungalow
ConstructionHardboard
BasementNone
Lot Size450 × 315 Feet
CountyFrontenac
Annual Tax$3,027
Legal DescriptionPT LT 18 CON 6 OSO AS IN FR750244; T/W FR750244 EXCEPT THE EASEMENT THEREIN RE PT 2 13R18202; CENTRAL FRONTENAC TOGETHER WITH AN EASEMENT OVER PT LT 18, CON 6, PT 2, 13R18202 AS IN FC135435

Parking & Garage

Parking Spaces4.0
Garage Spaces4
Garage TypeNone

Heating & Cooling

Heat SourceElectric
Heat TypeBaseboard
CoolingWindow Unit(s)

Features

Property Features

Clear View, Cul de Sac/Dead End, Part Cleared, Rolling, Waterfront, Wooded/Treed

Interior Features

Carpet Free, Primary Bedroom - Main Floor, Water Heater Owned, Water Treatment

Security Features

Carbon Monoxide Detectors, Smoke Detector

Community Features

Location

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1294 Harding Lane, Frontenac, ON
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Property History

No historical data available for this property.

This could be the first listing for this address.

Pricing & Value Insights

Data-driven valuation for 1294 Harding Lane, Frontenac, ON K0H 2B0

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

Market Speed
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Properties in this area are selling at a steady pace.

Market Trend
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Mortgage & Affordability Audit

Calculate your monthly payment, minimum downpayment, and land transfer taxes for this home in Frontenac.

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Interest Rate5.25%
Down Payment$29,990 (5.5%)
* Minimum Canadian down payment required for this price is $29,990.
Amortization Period25 Years
Estimated Monthly Payment$3,098Based on a loan of $519,910 over 25 years.
Purchase Price$549,900
Loan Amount$519,910
Provincial Land Transfer Tax:$7,473
Total Estimated Closing Taxes:$7,473

About Purchasing a Home in Frontenac, ON

For a property listed at $549,900 in Frontenac, the legal minimum down payment is $29,990 under current Canadian banking regulations. This calculation applies a 5% requirement on the first $500,000, 10% on the next $499,999, and a flat 20% on any amount exceeding $1,000,000.

Additionally, buyers in Ontario must budget for the Provincial Land Transfer Tax, which is estimated at $7,473 for this transaction. As this listing is in Frontenac (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $7,473.

Nearby Listings

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No current listings found in Frontenac.

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City & Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for Frontenac.

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$661,146

People & Families

Age Distribution

Household Composition

One-person households
25%
Families with children
50%
Couples without children
24%
Other households
0%

Top Ethnic Origins

Chinese11%
English9%
Indian9%
Irish8%

Local Schools Guide

Elementary Schools

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Secondary Schools

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Homes & Housing

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied65%
Rented35%

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Notice: Market Insights are generated by analyzing real-time data and should be used for informational purposes only. Consult with a licensed professional for exact valuations.

Disclaimer: AI Insights are generated by an automated system and should be used for informational purposes only. While we strive for accuracy using current market data and deep-learning models, these assessments do not constitute professional real estate, legal, or financial advice. All property values, predictions, and scores are estimates. We strongly recommend verifying all property details and conducting independent due diligence with a licensed professional before making any purchase decisions.