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Sandy Beach · Single Family · under $1,050,000 · 5+ bed · 3+ bath. Alerts only send when there are new or meaningfully updated matching homes.
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109 Columbus Street
Welcome to lake life this unique and beautifully crafted custom two-story home perfectly positioned at Sandy Beach. Designed with both luxury and versatility in mind, this property offers four bedrooms, three bathrooms, and a fully developed mother in law walkout basement that includes a private two-bedroom, one-bath suite ideal for extended family, guests, or a short-term rental opportunity with complete privacy. Built with energy-efficient ICF construction from top to bottom, this home was designed for durability, efficiency, and long-term comfort. In-floor heating runs throughout the home and extends into the expansive 27’ x 42’ heated garage, creating warmth and functionality all year. This home features a built in safe and it is one of a kind. The gourmet kitchen is a standout feature, complete with double wall ovens, a gas cooktop, and a walk-through pantry that connects seamlessly to the mudroom for everyday convenience. The spacious dining area opens to a large west facing deck with breath taking lake views. The deck has two covered sections, offering the perfect setting to relax, entertain, and take in the incredible lake views. Upstairs, a bright bonus room captures stunning views of the water with vaulted ceilings and open exposed wood beams for added character. The primary master suite offers a peaceful retreat with a spa inspired five-piece ensuite. Two additional bedrooms share a Jack and Jill bathroom, creating a thoughtful layout for family living. The lower level expands the living space even further with a home theatre area, a cozy den, a gym area and additional storage built beneath the garage. The separate basement suite features its own private entrance, providing flexibility for guests or additional income. This thoughtfully designed, beautifully finished, and perfectly positioned to enjoy everything Sandy Beach has to offer and is the epitome of lake life blended with luxury. This well curated unique custom home awaits you! (id:65958)
Basement
| Room | Dimensions | Features |
|---|---|---|
| Living room | 15.00 Ft x 23.00 Ft | |
| Kitchen | 13.00 Ft x 16.00 Ft | |
| Dining room | 10.00 Ft x 11.00 Ft | |
| Bedroom | 12.00 Ft x 14.00 Ft | |
| Bedroom | 14.00 Ft x 19.00 Ft | |
| Media | 12.00 Ft x 29.00 Ft | |
| 4pc Bathroom | .00 Ft x .00 Ft |
Main level
| Room | Dimensions | Features |
|---|---|---|
| Foyer | 11.00 Ft x 11.00 Ft | |
| Other | 14.00 Ft x 17.00 Ft | |
| Dining room | 20.00 Ft x 20.00 Ft | |
| Kitchen | 13.00 Ft x 17.00 Ft | |
| 4pc Bathroom | .00 Ft x .00 Ft | |
| Laundry room | 8.00 Ft x 13.00 Ft | |
| Bedroom | 15.00 Ft x 13.00 Ft |
Second level
| Room | Dimensions | Features |
|---|---|---|
| Bonus Room | 20.00 Ft x 21.00 Ft | |
| Bedroom | 15.00 Ft x 16.00 Ft | |
| Bedroom | 15.00 Ft x 11.00 Ft | |
| 4pc Bathroom | .00 Ft x .00 Ft | |
| Primary Bedroom | 14.00 Ft x 18.00 Ft | |
| 4pc Bathroom | .00 Ft x .00 Ft |
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
-0.93%
Cap rate
4.68%
GRM
13.9
Break-even rent
$5,906
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.
Pick a down payment and tap any underlined number to edit. Total updates live. Confirm with a mortgage broker before writing an offer.
Monthly carrying costs (shared)
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. Accelerated bi-weekly frequency reduces total interest paid vs. monthly — confirm with a broker. Suite rental income depends on permits, market rent, and vacancy. Always validate with a mortgage broker 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 Jun 25, 2026.
Location of this listing. Distances are straight-line.
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Buyer-fit signals
Derived from listing data and nearby-amenity proximity. Verify anything that matters to your decision — distances are approximate.