Real Estate in the Kawartha Highlands: Navigating the Changing Market

 

As a real estate professional in the Kawartha Highlands, I am excited to share my knowledge and insights with you, my dear readers and future clients. In these interesting times, marked by tariffs, an unstable market, and the current effects of the tariff threats from the United States and now China, the real estate landscape has been ever-changing, presenting both challenges and opportunities.

The Evolving Real Estate Landscape

The real estate market, it seems, has become a crucial pillar in keeping the Canadian economy afloat during trying times. We have witnessed the unprecedented market conditions of the past few Covid years, characterized by low interest rates that have driven a frenzy of activity. However, as the tides shift, we find ourselves facing a new set of circumstances.

• The announcement of the upcoming Bank of Canada interest rate decision has created a sense of anticipation and hopefulness for Sellers, not so much for Buyers, as prices could increase and competition for listings could rise.

• With North American trade facing disruptions from U.S. tariffs, the market is bracing for the potential impact on economic growth and employment.

• At the same time, tariffs have a tendency to push up prices, adding another layer of complexity to the real estate landscape.

Understanding the Impact of Interest Rates

As the Bank of Canada contemplates a quarter-percentage-point cut in the overnight rate, from 3% to 2.75%, the implications for the real estate market cannot be overlooked. Lower interest rates can have a significant influence on the affordability and accessibility of homeownership, potentially fueling further activity in the market.

Affordability and Accessibility

• Reduced interest rates can make monthly mortgage payments more manageable, opening the door for first-time homebuyers and those looking to upgrade or downsize.

• This increased affordability can lead to a surge in buyer demand, potentially driving up prices and creating a more competitive market.

Market Dynamics

• The interest rate cut may also spur investors to re-enter the market, seeking opportunities in the changing landscape.

• This influx of activity could further shape the market, leading to shifts in supply and demand dynamics.

My Expertise and Insights

As a real estate professional with deep roots in the Kawartha Highlands community, I possess a wealth of knowledge and experience that I am eager to share with you. My understanding of the local market, coupled with my keen observation of the broader economic and policy shifts, allows me to provide valuable insights and guidance to my clients.

Local Market Trends

• I have a pulse on the unique characteristics and nuances of the Kawartha Highlands real estate market, allowing me to identify emerging trends and potential opportunities.

• By closely monitoring the local inventory, buyer preferences, and market conditions, I can help you navigate the market with confidence.

Economic Considerations

• With a keen eye on the larger economic landscape, including factors such as tariffs and their impact on growth and employment, I can help you anticipate and plan for potential market fluctuations.

• My understanding of the relationship between interest rates, affordability, and market dynamics can inform your decision-making process and help you make informed choices.

Personalized Guidance

• As your trusted real estate partner, I am committed to providing you with personalized attention and guidance tailored to your specific needs and goals.

• Whether you are a first-time homebuyer, an investor, or a seasoned homeowner, I am here to help you navigate the complexities of the real estate market and achieve your objectives.

Conclusion

In these ever-evolving times, the real estate market in the Kawartha Highlands presents both challenges and opportunities. As a real estate professional with a deep understanding of the local landscape and a keen eye on the broader economic trends, I am excited to share my expertise and insights with you, my valued readers and potential clients.

Together, let us explore the possibilities and navigate the changing market, ensuring that your real estate journey is a seamless and successful one. I look forward to the opportunity to work with you and help you achieve your real estate goals.

Brought for you by:

Your local Realtor®

If you are looking to either Buy or Sell, contact me at 705-927-6236

Brad Sinclair, Sales Representative

Team Lead at The Brad Sinclair Team

Royal Heritage Realty

Your inside source to cottage country

How Will Trump Tariffs Affect Canada Housing and Cottage Market?

 

If you've been keeping up with the news, you may have heard about U.S. President Donald Trump's plan to impose a 25 percent trade tariff on Canadian goods. Now that this policy could be our reality, many Canadians—including Kawartha/Highlands home buyers and sellers—are wondering: How will Trump's tariffs affect housing in Kawartha/Highlands?

Let's break it down in simple terms and see if this tariff could affect housing prices, mortgage rates, and the overall affordability of homes in Kawartha/Highlands.

What Is a Trade Tariff, and Why Does It Matter?

A trade tariff is essentially a tax that one country imposes on imported goods from another country. In this case, Trump's proposed 25 per cent tariff would apply to various Canadian exports, making them more expensive for U.S. buyers.

Canada exports a lot of materials that are crucial for housing, such as lumber, steel, and aluminum. If the U.S. stops buying as much from Canada, those industries could slow down, affecting jobs and economic growth.

How Will Trump Tariffs Affect Canada Housing? It Could Make Homes More Expensive

At first glance, you might think a tariff on Canadian exports shouldn't affect housing prices in Kawartha/Highlands. However, tariffs can cause a chain reaction:

• If U.S. demand for Canadian lumber and steel drops, Canadian suppliers may reduce production or cut jobs.

• With fewer exports, Canadian companies may raise prices on local materials to make up for lost revenue.

• Construction costs could go up, leading to higher home prices for new builds and renovations.

What About Mortgage Rates?

When it comes to mortgages, how will Trump Tariffs affect Canada housing? The Bank of Canada keeps a close eye on economic changes, and tariffs can slow down the economy. If businesses struggle because they can't sell as much to the U.S., this could lead to job losses and lower consumer confidence.

To stimulate the economy, the Bank of Canada might lower interest rates. This could be good news for home buyers, as lower interest rates mean cheaper mortgages.

However, if the economy slows too much, banks may also tighten lending rules, making it harder to qualify for a mortgage.

Could This Lead to a Housing Market Slowdown?

If job losses increase due to weaker exports, some homeowners may be forced to sell, adding more homes to the market. In this scenario, we could see a temporary dip in home prices, especially in areas where job markets are hit hardest.

However, our housing market has historically been resilient. Demand remains high due to immigration, population growth, and a strong rental market. Any slowdown could be short-lived, especially if interest rates drop and buying becomes more affordable.

Should Kawartha/Highlands Buyers and Sellers Worry?

Still wondering how will Trump Tariffs affect Canada housing? For now, there's no need to panic. The real estate market is strong, and while tariffs could cause some ripples, they're unlikely to crash the housing market. It could do the opposite. The market could boom.

If you're a buyer, this could be a great time to watch for opportunities—especially if prices stabilize or interest rates fall. If you're a seller, understanding the market's movements and pricing your home strategically will be key.

Final Thoughts

When you think about how will Trump Tariffs affect Canada housing, global events, like trade tariffs, can have unexpected effects on the local real estate market, but smart buyers and sellers stay informed and plan ahead.

While the full impact of these tariffs remains to be seen, it's important to stay up-to-date on the latest market trends and economic indicators. By understanding how external factors can influence the housing market, you can make more informed decisions when buying or selling a home.

Whether you're a first-time buyer, a seasoned investor, or a homeowner looking to sell, keeping a close eye on the market and working with a knowledgeable real estate professional can help you navigate the potential challenges and opportunities that may arise from Trump's trade policies.

Remember, the Canadian housing market has weathered storms before, and with the right strategies and a bit of foresight, you can position yourself to thrive, even in the face of global economic uncertainties. Stay informed, stay vigilant, and trust in the resilience of the Kawartha/Highlands real estate market.

Brought for you by:

Your local Realtor®

If you are looking to either Buy or Sell, contact me at 705-927-6236

Brad Sinclair, Sales Representative

Team Lead at The Brad Sinclair Team

Royal Heritage Realty

Your inside source to cottage country

The Trump Effect on our Real Estate Market-Ever Changing

 

What's Happening in the Markets?

It has been a crazy few days. Lots of things are changing on the fly. Things could change back to normal, change to better times and relationships, or just to all-out war. This is how volatile American politics are with Donald Trump steering the ship, and we are just here for the ride.

I read an article that the Bank of Canada might need to lower interest rates to keep Canada afloat with a prolonged trade war. This means higher inflation. It also could spark another COVID-type real estate buying frenzy.

Remember the beginning of Covid, where I was preaching that the market would not fall, but most comments on my social media told me I was wrong and real estate prices would drop in half? Is this the same scenario?

Tariffs and Trade Wars

The 25% U.S. tariffs on Canadian goods and 10% tariffs on Canadian energy are enacted. The feds responded with 25% counter-tariffs affecting $30 billion worth of goods to start and $125 billion worth of goods three weeks later.

There are no two ways about it; the trade war will cause economic chaos, with a hit of up to 4.2 percentage points to Canada's annual GDP on the table. The pain began yesterday, with the loonie dropping below $0.69 and the TSX cratering after Trump said the tariffs were a go.

The path to ending the trade war is murky, with Trump saying there's "no room left" to negotiate. Even after launching a $1.3 billion plan to strengthen border security and appointing a fentanyl czar, Canada still hasn't done enough, in his eyes. 

The head of the Canada Border Services Agency told the Globe and Mail that it was unclear what else the agency could do to change Trump's mind. 

Let’s face it. Stop the bulcrap. This has nothing to do with the border. This is a broader plan from Donald Trump that we, as Canadians, have no idea what he is trying to really accomplish.

Canada's Retaliation

So, Ottawa announced 25% retaliatory tariffs on $30 billion worth of U.S. imports, including coffee, beer, apparel, and cosmetics. The tariffs will expand in three weeks to another $125 billion worth of goods, likely including categories like produce and autos. 

Donald Trump responded with a Truth Social post threatening tariff increases, but the commerce secretary later said Trump might soon announce ways Canada could earn tariff relief.

While the immediate economic shocks of the tariffs are already being felt, the trade war is also stoking national unity. Many provinces are looking at ways to reduce trade barriers, support Canadian businesses, and hit the U.S. where it hurts. 

Provinces like Manitoba, Ontario, B.C., Newfoundland and Labrador, and Nova Scotia are pulling some or all U.S. booze from provincially run liquor store shelves.

Ontario Premier Doug Ford said that cutting off electricity imports, cancelling a Starlink deal, and legislating the promotion of Canadian products by retailers were all on the table.

New Brunswick and Nova Scotia were uber-aggressive, barring U.S. companies from bidding on provincial contracts. Nova Scotia also doubled tolls for U.S. commercial vehicles.

These retaliatory measures show that Canada is not backing down without a fight. The trade war is quickly escalating, and there's no telling where it will go. One thing is for sure - the economic and political ramifications will be felt for a long time.

As a real estate professional, I'm monitoring how these developments impact the housing market. Will the threat of higher inflation and economic instability lead to another real estate buying frenzy, similar to what we saw at the start of the pandemic? Or will the uncertainty and financial strain lead to a slowdown in the market?

Only time will tell, but one thing is certain - these are truly unprecedented and volatile times. My followers of real estate news will want to stay tuned for the latest updates and insights. Feel free to reach out to me directly if you have any questions or would like to discuss the situation further. I'm here to help navigate these uncertain waters.

Brought for you by:

Your local Realtor®

If you are looking to either Buy or Sell, contact me at 705-927-6236

Brad Sinclair, Sales Representative

Team Lead at The Brad Sinclair Team

Royal Heritage Realty

Your inside source to cottage country

Find out what you don’t know-Phrases you didn’t know came from boating

 

A Boating Blog for Cottagers

Slang and Cottage Terms

As a cottager, you've likely heard (and used) many of these nautical terms in your day-to-day life. From describing the perfect weather as "hunky-dory" to telling your kids to "pipe down" when they're getting a little too rowdy, these phrases have become ingrained in our cottage culture.

But have you ever wondered where they came from? Many of these sayings have their roots in the rich history of seafaring and sailing. By understanding the origins of these nautical expressions, we can gain a deeper appreciation for the language we use and the stories they tell.

Take "bamboozle," for example. This term was once used to describe the cunning tactics of pirates, who would fly the flags of friendly nations to lure unsuspecting ships into their traps. Today, it's a common way to describe when someone has been fooled or deceived. The meaning may have evolved, but the underlying idea of trickery and deception remains.

Or consider "feeling blue." This phrase harkens back to the days when a ship's crew would paint a blue stripe or fly blue flags to signify the death of a captain or officer. While the specific nautical context may be less familiar to modern cottagers, the idea of feeling somber or melancholic still resonates.

And then there's "under the weather." This expression refers to the practice of sailors taking shelter in the ship's base during a storm, shielding themselves from the elements. Today, it's a figurative way of saying someone is feeling ill or unwell, but the original connection to seeking refuge from the harsh realities of life at sea is still evident.

As you sip your Caesar and gaze out at the calm waters of the lake, take a moment to appreciate the rich tapestry of nautical language that has become woven into our cottage culture. These words and phrases not only add a touch of seafaring flair to our everyday conversations but also serve as a reminder of the enduring connections between our land-locked lives and the vast, unpredictable oceans that have shaped so much of human history.

So, the next time you find yourself "running a tight ship" at the cottage or "learning the ropes" of a new outdoor activity, remember the proud nautical roots that underpin these familiar expressions. And who knows, maybe you'll even be inspired to try your hand at "tying a knot" or two - just don't forget to "batten down the hatches" first!

Bamboozle

Describing pirates who would deceive other ships by flying friendly nation flags, the meaning of "bamboozle" hasn't changed - it is still used when someone is fooled or cheated.

Feeling Blue

Used when a captain or officer died on the ship, the crew pained a blue stripe or flew blue flags to signal respect. Today, its meaning is similar but not exactly the same.

Under the Weather

When a storm would hit, the crew would hide out in the ship's base until the storm passed, meaning they were "under the weather." Today, it is a figurative way of saying someone is sick.

All Hands on Deck

This was a command for the crew to gather and help navigate the boat in a storm.

That Ship Has Sailed

You've missed the ship's departure and will not be able to catch another until next week - too bad for you. Today, it means you've lost your opportunity.

Batten Down the Hatches

Prepare for bad weather - get the "battens," planks of wood, to prevent water from entering the boat.

Sink or Swim

A morbid term used when suspected witches were captured to determine whether they were guilty or innocent of witchcraft. Either way, witch or not, the suspect would die due to drowning or be executed by officials. Today, it much less means face your fears to either succeed or fail.

Runs a Tight Ship

When the ropes were tight, this signaled that the captain was in control of the boat and crew. Today, it's a term to describe being organized.

Pipe Down

A signal to the crew to pipe down the hammocks and go to sleep. Today, it's a saying to tell your kids when they are being a little too rowdy.

Hunky-dory

Some sayings like 'hunky-dory' never die. One theory links this funky phrase to Honcho dori, a road in 1876 Japan, where sailors would go for some fun. Fast-forward to present times, we guarantee that your cottage dad also uses hunky-dory to describe the perfect day he just had.

Taking a Different Tack

Today, we use this phrase to describe finding another way to tackle a given situation. This comes from a nautical term that refers to finding another way to navigate the boat through wind in order to travel in a certain direction.

Learn the Ropes

A sailor would need to literally learn the location and use of the ship's ropes in order to be a successful member of the crew. Nowadays, it is more broadly used to mean getting acquainted with the skills and basics for a new setting, usually as a first step to being a helpful part of the team (which at a cottage could include using rope to tie a knot—but only if you really want to).

Bottom's Up

Did you know that men used to be tricked into joining the navy? Recruiters would put coins at the bottom of beer glasses, and when the unsuspecting sailor got to the coin, it was deemed that they'd taken payment for joining the Royal Navy. A drinking mate would say "bottom's up" to hint that a friend should check the bottom of their glass to avoid the coin. Presently, there's no tricks at play—just a clink! And a lighthearted "bottom's up," as we cheers our homemade Caesars to a great weekend at the cottage.

Brought for you by:

Your local Realtor®

If you are looking to either Buy or Sell, contact me at 705-927-6236

Brad Sinclair, Sales Representative

Team Lead at The Brad Sinclair Team

Royal Heritage Realty

Your inside source to cottage country

A blog about quick interesting stuff happening today

 

A blog about interesting stuff

In this blog post, we've explored various engaging and thought-provoking topics, from the potential impact of a new cryptocurrency reserve to the challenges facing the juice industry. We've also delved into the high-stakes world of Canadian politics, examining the upcoming Liberal leadership race and the potential ripple effects of changes to daylight saving time.

Interesting quick facts

• Trump's tariff deadline. Donald Trump's Commerce Secretary, Howard Lutnick, reiterated the President's threat to impose tariffs on Canada and Mexico tomorrow but said the details of what they would cover and how large they would be were still TBD. Trump had previously suggested that he may not impose tariffs at all this week and instead wait until April, but he seemed to walk back from that plan last week when he said tariffs were still planned for March 4.

• Liberals pick new leader. The Liberal Party of Canada will choose a leader to replace Justin Trudeau on Sunday. The party says that 79,000 people have been verified as eligible to vote, though that number could increase. The new leader will immediately decide whether to bring Parliament back or try to trigger a snap election.

• Daylight saving time begins. Most Canadians will set their clocks ahead an hour on Sunday as daylight saving time begins. Not to stress you out, but it might be wise to take it easy for the first few days after the switch: Recent studies have shown that the risk of heart attacks and strokes measurably increases in the weeks after we spring forward.

• US President Donald Trump announced that he will create a new cryptocurrency reserve.

• US$30 million. An emergency loan was recently given to Tropicana by its controlling stakeholder. With slumping sales, the juice company could be heading to bankruptcy.

• ~80%. Share of potash used by U.S. farmers that comes from Saskatchewan. The mineral, used to fertilize crops, could become far more expensive for farmers in a trade war.

A Cryptocurrency Reserve to Rule Them All

In a surprising move, US President Donald Trump announced that he will create a new cryptocurrency reserve to be used as the world's reserve currency, replacing the US dollar. This bold decision comes amidst growing concerns over the stability of fiat currencies and the rise of decentralized digital assets.

The new cryptocurrency, tentatively named "Trumpcoin," will be backed by a diverse portfolio of assets, including gold, real estate, and other commodities. Trump has touted this move to "make America great again" by securing the country's financial future and reducing its reliance on foreign currencies.

"The US dollar has been the global reserve currency for too long, and it's time for a change," Trump said in a press conference. "Trumpcoin will be the new standard, and it will be the best, the biggest, the most tremendous cryptocurrency the world has ever seen."

Critics of the plan have voiced concerns over the potential for abuse and manipulation, given Trump's history of controversial financial decisions. However, the administration has assured the public that Trumpcoin will be subject to strict regulations and oversight.

The Twilight of Tropicana

Once a staple of American households, Tropicana faces a dire financial situation. The juice company, a subsidiary of PepsiCo, has recently received a $30 million emergency loan from its controlling stakeholder to stave off bankruptcy.

The troubles at Tropicana can be primarily attributed to the changing consumer preferences in the beverage market. Health-conscious consumers have increasingly turned to alternatives like plant-based milks and sparkling waters, so the demand for traditional fruit juices has declined.

"Tropicana just couldn't keep up with the times," said industry analyst Sarah Brenner. "They were stuck in the past, relying on the same old orange juice formula that didn't resonate with today's consumers."

The ongoing trade war has exacerbated the company's struggles, which has driven up the cost of key ingredients like citrus fruits. With little room for profit, Tropicana has been forced to make difficult decisions, including layoffs and plant closures.

"It's a sad day for Tropicana, and for the juice industry as a whole," Brenner said. "But unless they can find a way to reinvent themselves and capture the attention of modern consumers, I'm afraid this may just be the beginning of the end."

The Potash Predicament

As tensions between the United States and its neighbors continue to escalate, one unexpected casualty may be the humble potash industry. Potash, a key ingredient in many commercial fertilizers, is a vital resource for the nation's agricultural sector.

What's the problem? Well, it just so happens that around 80% of the potash used by U.S. farmers comes from the Canadian province of Saskatchewan. And with the threat of tariffs looming, the cost of this essential mineral could skyrocket.

"Farmers are already operating on razor-thin margins," said agricultural economist Dr. Jill Harrington. "If the price of potash doubles or triples, it could be enough to put many of them out of business."

The implications of such a scenario are far-reaching. With crop yields potentially plummeting, food prices could soar, putting household budgets and food security at risk.

"It's a classic case of unintended consequences," Harrington said. "The Trump administration may think they're punishing Canada, but in reality, they're hurting American farmers and consumers."

Of course, there are alternatives to Saskatchewan potash, such as deposits in Russia or Belarus. But accessing those sources would be logistically and financially challenging, at least in the short term.

"The best-case scenario is that cooler heads prevail, and the tariff threat is averted," Harrington said. "Otherwise, we could face a perfect storm of rising food prices and dwindling farm profits. And that's not a future anyone wants to see."

The Perils of Daylight Savings Time

As most of us prepare to set our clocks forward this Sunday, we must be mindful of the potential health consequences of daylight saving time.

Recent studies have shown that the transition to daylight saving time can have a measurable impact on public health, with a noticeable increase in the risk of heart attacks and strokes in the weeks following the change.

"The loss of that one hour of sleep can really throw our circadian rhythms out of whack," said Dr. Samantha Walters, a sleep specialist at the National Sleep Foundation. "And when our bodies are under that kind of stress, it can have serious implications for our cardiovascular health."

But it's not just our hearts that are at risk. Disruptions to our sleep patterns can also lead to other problems, including increased fatigue, reduced productivity, and even a heightened risk of accidents.

"It's important for people to be mindful of the potential dangers and take steps to mitigate the effects," Walters said. "That might mean going to bed a little earlier in the days leading up to the change, or being extra vigilant behind the wheel."

Of course, the benefits of daylight saving time, such as longer daylight hours and potential energy savings, have long been touted by its supporters. But as the evidence continues to mount, it's clear that the risks shouldn't be ignored.

"At the end of the day, our health and safety have to be the top priorities," Walters said. "And if that means reconsidering the merits of daylight saving time, then so be it."

The Liberal Leadership Race

As the Liberal Party of Canada prepares to choose a new leader this Sunday, the stakes couldn't be higher. With Justin Trudeau's political future uncertain, the next leader will have to hit the ground running, facing a host of challenges both at home and abroad.

One of the new leader's first decisions is whether to bring Parliament back into session or try to trigger a snap election. With the Conservatives and the NDP both eager to capitalize on the Liberals' recent woes, the new leader must tread carefully.

"It's a delicate balancing act," said political analyst Emily Chambers. "On the one hand, the new leader will want to assert their authority and put their stamp on the party. But on the other hand, they'll need to be mindful of the political landscape and avoid alienating key voting blocs."

The race to replace Trudeau has been a lively one, with several high-profile candidates throwing their hats into the ring. From seasoned veterans like Chrystia Freeland to rising stars like Sean Fraser, the field is a diverse one.

"Whoever emerges victorious will have their work cut out for them," Chambers said. "They'll need to heal the party's divisions, reconnect with disillusioned voters, and chart a clear path forward. And they'll have to do it all while navigating the treacherous waters of Canadian politics."

With 79,000 party members already verified as eligible to vote, the new leader will be chosen by a ranked ballot system. And while the outcome is far from certain, one thing is clear: the future of the Liberal Party, and indeed the country, hangs in the balance.

"This is a pivotal moment for the Liberals," Chambers said. "The next few weeks could very well determine the direction of Canadian politics for years to come."

Brought for you by:

Your local Realtor®

If you are looking to either Buy or Sell, contact me at 705-927-6236

Brad Sinclair, Sales Representative

Team Lead at The Brad Sinclair Team

Royal Heritage Realty

Your inside source to cottage country

Top 5 Lakes to Consider in the Kawartha Highlands for Real Estate Buyers

1. Kasshabog Lake (aka Kosh)

Kasshabog Lake is in the Great Lakes Basin and is home to a cottaging community, including game fishing, a marina, and lodges. 

Notwithstanding, many lakes in the province have an association. Kasshabog Lake in the Kawartha's has its association. The Lake Kasshabog Residents Association is an excellent resource for anyone visiting the area or looking to purchase waterfront property.

Kasshabog Lake has soft, slightly acidic water with a moderately low apparent colour. The hardness, alkalinity, and conductivity levels indicate the lake is well mixed. The irregularly shaped lake has dozens of islands and shoals, channels, drop-offs, weed beds, and bays.

Did you know a small public beach area is a hidden gem on this lake? 

There are also gravel based public launches located off of Blue Mountain Rd. 9 on the southeast side. 

There is another launch at the end of Peninsula Rd., which runs along the south side of MacDonald Bay.

The surface area of Lake Kasshabog is approximately 810 hectares (2,000 acres) with a max depth is around 35m (115 feet). The lake's average depth is approximately 4.6m (15 feet).

Surprisingly, an unknown tidbit is that Lake Kasshabog is a landlocked lake. It has its water levels controlled by a dam. The Crowe Valley Conservation Authority monitors the lake level and operates the dam on behalf of the MNRF. You can learn more about the history of this dam by visiting the Lake Kasshabog Residents Association site and following to Lake Kasshabog Dam.

Primary fish species include Small and Largemouth Bass, Muskellunge, Walleye, and Rock Bass.

If you are visiting or a long-time resident, spend some time at the Petroglyph Provincial Park. This Park is where you can find indigenous rock carvings dating back over 1000 years. Hiking trails and a visitor centre offer an overview of the area's local history and the cultures who settled there.

We love Kasshabog Lake & Peterborough and the Kawartha's. We want to share all that there is to explore and do!

2. Chandos Lake Real Estate

Chandos Lake, located in the North Kawartha region of Ontario, Canada, is a hidden gem that offers breathtaking views and a tranquil atmosphere. This picturesque lake has become a popular destination for locals and tourists alike, thanks to its natural beauty and the wide range of activities it offers.

Chandos Lake was once called Loon Lake, it was originally called Mongosogan by the Mississauga Anishinabe, a sub-tribe of the Anishinaabe-speaking First Nations – on whose traditional territory it lies.

Chandos is the only area lake that is over 1000 hectares in size with an average depth of over 10m. Other area lakes are either overly small or overly shallow. Although not one of the Kawartha Lakes proper, Chandos Lake is part of the Kawartha cottage country.

The lake is lined with some 1,200 cottages.

Boat Launches are located at the North end off of Hwy. 620 and McCauley's Road at South Bay. 

Surface area 1,387 hectors (3,427 acres) max depth is approximately 45.7 m (150 feet) average depth is 13.10m (43 feet).

Chandos Lake is a haven for those seeking outdoor adventures. Whether you prefer kayaking, canoeing, fishing, or hiking, this lake offers a myriad of opportunities to explore the wilderness. The calm and peaceful nature of the lake makes it an ideal spot for paddling, allowing you to glide through the water while taking in the awe-inspiring views that surround you.

Anglers flock to Chandos Lake for its abundant fish population. The lake is known for its excellent fishing opportunities, with a variety of fish species including lake trout, large and smallmouth Bass, Northern Pike, and Yellow Perch.

3. Stoney Lake

Stoney Lake was of interest to loggers who arrived in the early 1800s soon after the loggers were followed by settlers and miners.

Today, the lake is enjoyed by seasonal and year-round residents, boaters, and sports fishermen.

At the East end of Stoney Lake is Petroglyphs Provincial Park. Where you can enjoy a piece of history and check out Canada's largest known concentrations of prehistoric rock carvings.

Located close to Apsley and not far from Peterborough this lake gives you plenty of options for amenities. Apsley Veterinary Services is close by in case your pet was in need of medical attention.

An interesting fact about the lake is its size Stoney Lake has a surface area of approximately 2800 hectares (6918 acres).

Maximum depths of up to 32m (105 feet).

Average depth of about 5.9m (19 feet).

Major fish species found in this lake include: Small and Largemouth bass, Muskie, Walleye, Yellow Perch, Black Crappie, Bluegill, Cisco, and Whitefish.

Boat launches can be found at: Crowes Landing-2374 Crowe's Landing rd. McCracken's Landing – 2281 McCracken's Landing rd.

4. Catchacoma Lake

Welcome to Catchacoma, a deep lake nestled in the heart of rolling hills and dense boreal forest. This hidden gem offers a true wilderness experience with its clear waters and diverse wildlife. In this article, we will take you on a journey through the wonders of Catchacoma, from its serene lakes to its vibrant flora and fauna.

Spanning approximately four miles in length and two miles in width, Catchacoma is a paradise for fishing enthusiasts. Bass, trout, and sunfish thrive in its pristine waters, offering an exciting challenge for anglers of all skill levels. Its interconnected waterways allow boaters to explore neighbouring lakes such as Beaver, Cavendish, Gold, and Mississauga Lakes.

Venture into the woods at the north end of Catchacoma, and you'll find yourself immersed in untouched wilderness. As you wander the paths, you'll stumble upon hidden lakes where humans rarely tread. These secluded havens are home to beavers, whose lodges and dams have created ponds teeming with aquatic life. Marvel at the abundance of frogs and the symphony of birds nesting in the towering coniferous and deciduous trees. You might even spot majestic blue herons gracefully resting at the water's edge if you're lucky.

From Catchacoma, you can navigate through narrow waterways and discover the tranquil beauty of Cold Lake. As you paddle through a shallow channel, you'll be greeted by the sight of painted turtles basking on sun-soaked logs. Floating islands adorned with sundews and carnivorous plants create a captivating scene as they lure and trap unsuspecting insects. This oasis of calm and natural wonders will leave you in awe of Mother Nature's design.

Embark on a twenty-minute walk through the enchanting forest, and you'll unveil the secrets of Cox Lake. This hidden gem, nestled amidst the wilderness, awaits those seeking solace and tranquillity. Lose yourself in the serenity of its shores and embrace the soothing ambiance that only nature can provide.

5. Baptiste Lake

Approximately 9 miles Northwest of Bancroft. Follow Hwy 62 North to Birds Creek, turn left on South Baptiste Lake Road approximately 5 miles. Baptiste is our largest lake chain with over 36 miles of boating between Benoir, Elephant and Baptiste. Waterfront properties hold a higher value than some of the other lakes in the area. The lake is blessed with approximately 50% of the shoreline being crown land. There are four public access points, one large marina to service approximately 600 cottager's and year round home owners.

This comprehensive guide has provided an in-depth look at the top 5 lakes in the Kawartha Highlands area, showcasing their unique features, activities, and natural wonders. Whether you're a real estate buyer, outdoor enthusiast, or simply someone seeking a tranquil escape, these lakes offer an unparalleled experience. From the serene waters of Kasshabog Lake to the hidden gems of Catchacoma and Baptiste, the Kawartha Highlands is a true haven for those seeking to immerse themselves in the beauty of nature. We hope this guide has inspired you to explore and discover the magic of these breathtaking lakes.Surface Area - 5,254 acres, Maximum Depth 103 feet.

Lake Trout, Muskellunge, Smallmouth Bass, Walleye, Perch

Written for you by:

Your local Realtor®

If you are looking to either Buy or Sell, contact me at 705-927-6236

Brad Sinclair, Sales Representative

Team Lead at The Brad Sinclair Team

Royal Heritage Realty

Your inside source to cottage country

Cabin vs cottage - which is right for you?

 

When it comes to finding the perfect rural real estate, choosing between a waterfront cottage or a cabin in the woods can be challenging. Both offer unique charms and cater to different lifestyles, so it's important to consider your priorities and preferences carefully.

A cabin in the woods is the ultimate escape for nature lovers and adventure seekers. These rustic retreats are often found in remote, wooded areas, nestled by a pond or deep in the heart of cottage country. The focus is on simplicity and functionality, with a design prioritizing the great outdoors over luxury amenities. Cabin living appeals to those who crave a more primitive, off-the-grid experience, where the emphasis is on connecting with the natural world and embracing a simpler way of life.

On the other hand, a waterfront cottage offers a more charming and quaint living experience. These properties can be found in various settings, from community waterfronts to semi-private or fully secluded waterfront locations. Cottages are designed to be cozy and comfortable, with a focus on creating a peaceful and relaxed atmosphere. Cottage living is often centred around the water, with opportunities for outdoor fun, community engagement, and entertainment.

When it comes to lifestyle considerations, the cabin and cottage experiences differ significantly. The cabin lifestyle appeals to those who value privacy, solitude, and a deep connection with nature. These individuals are often drawn to the idea of hunting, hiking, and immersing themselves in the great outdoors. In contrast, the cottage lifestyle suits those who enjoy a more social and community-oriented experience, with a focus on water-based activities, relaxation, and entertaining.

From a practical standpoint, there are also some key differences to consider. Cabins, due to their remote locations and materials, may require more maintenance and upkeep than their cottage counterparts. Cottages, on the other hand, often have a more traditional layout and amenities, making them potentially more user-friendly for those who value convenience and comfort.

Ultimately, deciding between a waterfront cottage or a cabin in the woods comes down to your preferences, lifestyle, and budget. Take the time to carefully evaluate your priorities and imagine yourself enjoying your ideal rural retreat. Consider factors such as your desired level of privacy, the importance of water-based activities, and your willingness to take on maintenance responsibilities.

Whether you envision yourself relaxing on the dock of a cozy cottage or embarking on outdoor adventures from the seclusion of a rustic cabin, there is a perfect rural real estate option waiting for you. By understanding the unique characteristics of each, you can make an informed decision that aligns with your dreams and sets you up for a truly fulfilling and memorable experience.

Written for you by:

Your local Realtor®

If you are looking to either Buy or Sell, contact me at 705-927-6236

Brad Sinclair, Sales Representative

Team Lead at The Brad Sinclair Team

Royal Heritage Realty

Your inside source to cottage country

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The Hidden Costs of Homeownership: What to Budget Beyond the Purchase Price

When buying a house, your budget should factor in an additional 4% to 8% of the total purchase price to cover the various costs associated with the transaction and maintaining your new home. While the purchase price is the most significant expense, there are several other expenses that homebuyers often overlook, which can quickly add up and impact your overall financial planning.

Land Transfer Tax

One of the most significant hidden costs of homeownership is the land transfer tax. This tax, which is calculated based on the price of your property and the province's tax rate, must be paid in full when the transaction closes. The land transfer tax can vary significantly depending on the location and value of the property, but it's essential to factor this cost into your budget.

Legal Fees

Another essential cost to consider is the legal fees associated with the home purchase. These fees can vary depending on the purchase price, but they typically range around $1,800 for a $500,000 purchase. It's important to work with a reputable real estate lawyer to ensure that the transaction is handled properly and to avoid any unexpected legal fees.

Maintenance Fees

If you're purchasing a condominium or a property with shared services, you'll need to factor in the maintenance fees. In Ontario, these fees are typically around $0.75 per square foot, and they cover the cost of shared services such as building maintenance, landscaping, and snow removal.

Moving Costs

Moving to a new home can be a significant expense, and it's essential to budget for it. Depending on the size of your household and the distance of the move, you can expect to pay around $3,000 for professional movers.

Renovation Costs

If you plan on making any renovations or upgrades to your new home, it's important to factor in the associated costs. Depending on the scope of the project, you can expect to spend around $30,000 or more on renovations.

Heating Fuel Fill-Up

Another often-overlooked cost is the need to pay for full tanks of fuel (propane or oil) as an adjustment at closing. This ensures that the previous homeowner has paid for any remaining fuel in the tanks, and you'll need to budget for this expense.

Unexpected Expenses

In addition to the costs mentioned above, it's important to remember that there may be unexpected expenses that arise during the homeownership process. These can include things like appliance repairs, plumbing issues, or unexpected maintenance needs. It's a good idea to set aside a rainy-day fund to cover these types of expenses.

Budgeting for Success

When it comes to buying a house, it's essential to have a comprehensive understanding of all the costs involved. By factoring in the hidden costs of homeownership, you can ensure that you have a realistic budget and avoid any financial surprises down the line.

• Land transfer tax
• Legal fees
• Maintenance fees
• Moving costs
• Renovation costs
• Heating fuel fill-up
• Unexpected expenses

Remember, the purchase price is just the tip of the iceberg when it comes to the true cost of homeownership. By being proactive and budgeting for these additional expenses, you can ensure that your transition to homeownership is a smooth and successful one

Photos  &Written for you by:

Your local Realtor®

Waterfront and Rural Sales from the Kawarthas to Hastings Highlands to Haliburton.

705-927-6236

Brad Sinclair, Sales Representative

Royal Heritage Realty, Brokerage

The Inside Source of Waterfront Real Estate