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1045 REYNOLDS ROAD
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Beds
4
Baths
3 full + 1 half
Sqft
—
Year
—
Type
Single Family
On market
333d
*** Visit the REALTOR website for further information about this Listing *** This exceptional waterfront property on beautiful Horseshoe Lake offers a rare combination of space, privacy, and charm with three separate dwelling/accommodations, each with its own private waterfront and dock. The fully winterized main house features three bedrooms, three bathrooms, a bright sunroom with lake views, and a self-contained basement apartment - ideal for guests, extended family, or potential rental income. The seasonal cottage includes three bedrooms, a full bathroom, and a beautifully updated kitchen, making it perfect for summer stays or shared family use. Just steps from the water, the adorable one-room cabin offers a high ceiling, a kitchenette, a 3-piece bathroom with a shower, and direct access to the lake - an ideal space for guests or a quiet personal retreat. The property boasts a gorgeous sandy shoreline stretching the entire length of the lot, offering shallow, crystal-clear water perfect for wading, swimming, and family fun. It's an ideal setting for children and anyone who enjoys beach-style lake access. Recent renovations and upgrades throughout include new docks, new decks, a new sunroom, fully renovated interiors, a new furnace, updated water system, and a modernized kitchen. Located on a year-round road and just a short drive to the towns of Minden and Haliburton, this property offers convenience, comfort, and the perfect setting for year-round enjoyment. Whether you're looking for a full-time residence, a seasonal escape, or a multi-family retreat, this property delivers everything you need to enjoy lakeside living at its finest. (id:65958)
Basement
| Room | Dimensions | Features |
|---|---|---|
| Bedroom | 7.16 × 3.05 meters | |
| Kitchen | 2.64 × 2.84 meters | |
| Furnace | 5.18 × 7.47 meters |
Main level
| Room | Dimensions | Features |
|---|---|---|
| Primary Bedroom | 3.96 × 3.53 meters | |
| Den | 1.5 × 3.96 meters | |
| Kitchen | 3.96 × 3.28 meters | |
| Living room | 5.18 × 3.76 meters | |
| Dining room | 4.5 × 3.76 meters | |
| Foyer | 2.31 × 2.34 meters |
Second level
| Room | Dimensions | Features |
|---|---|---|
| Bedroom | 3.96 × 4.95 meters | |
| Bedroom | 3.25 × 4.95 meters | |
| Other | 2.03 × 2.44 meters |
10-item due-diligence checklist. We can pre-flight most of these for you on a CMA call.
Comparable sales
Ask for 3–5 recent solds within ~1 km and the same beds/baths so the list price has context.
Property condition
Roof age, furnace age, hot-water tank age, electrical panel size, windows. Cosmetic vs structural.
Zoning
Confirm zoning matches your intent (single-family vs duplex vs secondary suite vs commercial).
Suite legality / potential
If suited or being marketed as suited: confirm permits, separate entrance, ceiling height, egress windows.
Monthly carrying cost
Mortgage + property tax + insurance + condo fee (if any) + utilities. Compare to your max budget.
Property taxes
Confirm the annual tax amount on the current assessment — and whether a reassessment is pending.
Insurance estimate
Get a same-day quote. Older homes, knob-and-tube wiring, polybutylene plumbing, flood plains all change the number.
Commute
Drive it (or transit it) at the actual time of day you'd commute. Map ETA lies during peak hours.
Deposit and financing conditions
Deposit size, financing condition window, condition removal date, possession date — all negotiable.
Inspection considerations
Budget for a home inspector ($500–700) and any specialty inspections (sewer scope, mould, asbestos for pre-1990 builds).
Cash on cash
-6.56%
Cap rate
3.55%
GRM
16.7
Break-even rent
$6,058
Financing
Operating expenses (monthly)
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Approximation only. Actual cash flow depends on financing terms, condition reports, current market rents, property tax assessment, condo fees, and tenant quality. Defaults: 4.5% rate, 30-year amortization, 5% vacancy, 1%/yr maintenance, 0.5%/yr CapEx reserve, $80/mo insurance. Property tax estimated at 0.55%/yr where not provided. Talk to a mortgage broker before relying on these numbers.
Rough ballpark only. Pick a down-payment option, then tap any underlined number below to plug in your real numbers — tax, condo fee, insurance, utilities. Total updates live. Confirm with a mortgage broker before writing an offer.
Cost lines (tax, condo, insurance, utilities) are editable inline above. These two control the mortgage payment math.
Approximation only. CMHC default insurance is included when down payment is under 20%. Property tax and condo fees come from MLS when listed and may not reflect the current billing year. Suite rental income depends on permits, market rent, and vacancy — confirm with a property manager. Always validate your scenario with a mortgage broker and your insurance provider before writing an offer.
We'll reply by text within a few hours. Comparable sales, condition flags, things worth checking — sent before you book a showing.
Listing brokerage
Listing brokerage on file
Listing data via CREA DDF®. Information is deemed reliable but not guaranteed accurate by CREA. Last updated May 12, 2026.
Buyer-fit signals
Derived from listing data and nearby-amenity proximity. Verify anything that matters to your decision — distances are approximate.
Nearby school, halal, mosque, grocery, park, and transit layers are still being built for Minden Hills (Minden). The listing facts above are live; the neighborhood-intelligence layer needs POI coverage before it can score this address properly.