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140 Russel DR
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Rural St. Paul County · Single Family · under $225,000 · 1+ bed · 1+ bath. Alerts only send when there are new or meaningfully updated matching homes.
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Discover your own private getaway at Vincent Lake in the picturesque summer village of Horseshoe Bay, 15 minutes north of St. Paul. This charming 1,006 sq ft two-storey home offers 2 bedrooms, 1.5 bathrooms, nestled on a massive 3.29-acre lot. The property is fully-serviced with natural gas, electricity, a drilled well (2015), and septic field (2019), creating an ideal setting for a peaceful summer retreat or comfortable year-round living. The property includes 4 large sheds to store all your toys and tools, and a 30' x 40' concrete pad which could provide a solid foundation for a future garage or workshop. Enjoy tons of space for gardening, recreation, or simply soaking in the natural surroundings. (id:65958)
Main level
| Room | Dimensions | Features |
|---|---|---|
| Living room | 3.43 × 6.34 meters | |
| Kitchen | 4.68 × 2.44 meters | |
| Bedroom 2 | 2.88 × 2.15 meters |
Upper Level
| Room | Dimensions | Features |
|---|---|---|
| Primary Bedroom | 5.94 × 3.41 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).
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 May 7, 2026.
Location of this listing. Distances are straight-line.
Full neighbourhood intelligence (schools, halal, mosques, transit) is still building for this address.