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310-3100 Steeles Ave W, Vaughan, ON, L4K 3R1
1-333-345-6868info@summitly.ca

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Listing data is provided by the Toronto Regional Real Estate Board (TRREB) via PropTx and is deemed reliable but not guaranteed. Coldwell Banker Summit Realty, Brokerage — an independently owned and operated Coldwell Banker franchise.

REALTOR® Disclosure▾

For listings in Canada, the trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by The Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. The trademarks MLS®, Multiple Listing Service® and the associated logos are owned by CREA and identify the quality of services provided by real estate professionals who are members of CREA. Used under license.

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    For sale On market 8 days

    1021 Spencer's Trail

    Glamorgan·Highlands East, ON·K0M 2A1·Near TWIST LANE/ SPENCER'S TRAIL

    • 3 beds
    Highlands East real estate›X13421320
    • Overview
    • History
    • Details
    • Location
    • Mortgage
    • Investment
    • Comparables
    • FAQ
    Open house & tour

    3 upcoming open houses

    Drop in during an open house, or tour online — no appointment needed.

    • Open house
      Date TBD
      Time TBD
    • Open house
      Date TBD
      Time TBD
    • Open house
      Date TBD
      Time TBD
    Overview

    What this listing tells us

    Property description

    Welcome to 1021 Spencer's Trail, a four-season waterfront retreat set on beautiful Salerno Lake. Offering over 100 feet of waterfront on a 0.45-acre lot, this property is all about peaceful cottage-country living, lake views, and year-round enjoyment. The bungalow features approximately 1,171 sq.ft. on the main level, with three bedrooms, a 3-piece bathroom, and a bright, character-filled layout. One of the standout features is the unique octagon-shaped sun room, creating a memorable space to relax, dine, entertain, or simply take in the natural surroundings. A woodstove and baseboard heat provide comfort through every season, while the walkout basement adds function and potential. Lovely deck off from the livingroom overlooking the property and lake. Set on a sloped lot leading down to the lake, the property includes an existing dock, lake-drawn water, and a septic system. Whether you are spending summer days swimming, boating, or fishing, or enjoying quiet fall and winter weekends by the fire, this property offers the classic Haliburton cottage experience. An added bonus is the separate 0.8 acre lot across the road (153.67' x 267.06') offering additional space and future flexibility. Salerno Lake is known for its scenic natural setting, boating, swimming, and fishing opportunities, with species including bass, walleye, perch, and muskie. The lake is long and narrow with a peaceful cottage-country feel, located within the Haliburton Highlands and close to nearby communities including Irondale, Gooderham, Kinmount, and Haliburton. A wonderful opportunity to enjoy waterfront living on a sought-after lake, with room to make it your own.

    Cleaned for readability — original MLS® text was lightly de-abbreviated and decapitalized.

    History

    Listing, price, and tax history

    Every previous listing of this property, every list-price change, and 5 years of estimated annual property tax — switch tabs to drill in.

    DateEventStatusPriceChangeMLS®View
    Jun 9, 2026ListedCurrentFor sale$495,000 —X13421320This page
    Sourced from MLS® · includes all previous listings of this property · tap View to open the archived listing in a new tab
    Property details

    Inside this property

    Systems, finishes, room dimensions, and building information — pulled from the full MLS® feed.

    Features & systems

    Heating, cooling, parking, exterior, lot, possession, and more.

    • Systems

      5
      Heating
      Baseboard
      Air conditioning
      None
      Fireplaces
      1
      Water source
    Location & lifestyle

    Getting around, schools & the block

    Walkability and transit, the nearest schools, an interactive map of the exact spot, and what's nearby.

    📍 1021 Spencer's Trail
    What's nearby

    Points of interest classified by the MLS® feed.

    • Cul de Sac/Dead End
    • Lake/Pond
    • Place Of Worship
    • Rec./Commun.Centre
    Financials

    The money — monthly cost, mortgage & return

    Everything financial in one place: what you'd pay each month, a live mortgage calculator at the asking price, and what it could return as a rental.

    Cost of ownership

    A monthly snapshot at typical assumptions — personalize the mortgage just below.

    Est. monthly mortgage
    $2,432
    20% down · 25y · 5.50% — adjust below ↓
    Est. monthly property tax
    $280
    0.68% mill rate · ON
    The market

    How this home sits in the Highlands East market

    Live neighbourhood stats, the closed sales you'd negotiate against, and comparable active listings.

    The Highlands East market right now

    Average sold price, days on market, and closed-transaction count for Highlands East — sourced from MLS®.

    • Avg sold price
      $512,126
      Last 30 days
    • Median sold price
      $450,000
      Middle of the market
    • Days on market
      48 d
      Avg from list to close
    • Closed last 30d
      39
      MLS® transactions
    Full Highlands East market report
    Buy with Coldwell Banker Summit Realty

    We'll get you into 1021 Spencer's Trail — the seller pays our commission

    On every MLS® listing in Canada, the seller's brokerage pays a cooperating commission to whoever brings the buyer. Buyer representation is free to you.

    Free buyer representation · Coldwell Banker® affiliate

    $0 to you. The seller pays our fee.

    On every MLS® listing in Canada, the seller's brokerage advertises a cooperating commission for the buyer's agent. A Coldwell Banker Summit Realty agent represents you — you owe us nothing.

    Call now
    Due diligence

    Property flags & disclosures

    An automated scan of public records and news for anything a buyer should know about this specific address — liens, outstanding work orders, or stigma-related history. We never invent flags.

    Nothing concerning surfaced — all clear.

    We scanned public records and news for liens, outstanding work orders, and stigma-related history (e.g. a former grow-op or fire) at 1021 Spencer's Trail and found nothing flagged. We re-check automatically as new records publish.

    Frequently asked

    Common questions about this property

    Tap a question to expand the answer. Short, direct answers tuned for AI search and voice assistants.

    • How much is 1021 Spencer's Trail listed for?

      1021 Spencer's Trail is listed at $495,000 on the MLS® (listing X13421320). The price refreshes on Summitly within minutes of any MLS® change.

    • How many bedrooms, bathrooms, and square feet does 1021 Spencer's Trail have?

    Coldwell Banker Summit Realty is a RECO-licensed Ontario real estate brokerage, independently owned and operated. Mortgage financing is arranged through Mortgage Squad Advisors. Summitly is the technology platform that powers this site. Listing data is sourced from MLS® and is provided for informational purposes only — not guaranteed accurate by the MLS® or its members. The trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by the Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. The Coldwell Banker® name and logo are trademarks of Coldwell Banker Real Estate LLC.

  1. 1 bath
  2. 1100-1500 sqft
  3. Detached
  4. < .50 ac lot
  5. Asking
    $495,000
    $0 / sqft · MLS® X13421320
    Chat Zara
  6. Zara AI Estimate
    Live · refreshes nightly
    Estimated value
    $512,126
    $471,156Confidence range$553,096
    Asking vs estimate
    ≈in-line
    −$17,126
    (-3.3%)
    Asking is in line
    Run the affordability numbers

    Based on the city's average sold price, adjusted for 3 bedrooms (no sqft on file).

    Market analytics

    Homes like this in Highlands East sell in about 48 days — this one has been listed 8 days.

    Avg sold price
    $512,126
    Median sold
    $450,000
    Avg days on market
    48
    Recently sold
    39
    See comparable sales
    Walk through online
    Listing agent has provided a interactive tour
    Open virtual tour
    AI highlights by Zara
    • Offering over 100 feet of waterfront on a 0.45-acre lot, this property is all about peaceful cottage-country living, lake views, and year-round enjoyment.
    • One of the standout features is the unique octagon-shaped sun room, creating a memorable space to relax, dine, entertain, or simply take in the natural surroundings.
    • Lovely deck off from the livingroom overlooking the property and lake.
    • An added bonus is the separate 0.8 acre lot across the road (153.67' x 267.06') offering additional space and future flexibility.
    Ask Zara a follow-up
    Other
    Sewer
    Septic
  7. Parking & garage

    3
    Garage
    None
    Parking spaces
    2
    Driveway
    Private
  8. Interior

    4
    Basement
    Unfinished, Walk-Out
    Family room
    N
    Kitchens
    1
    Total rooms
    10
  9. Exterior & construction

    6
    Exterior
    Wood
    Roof
    Asphalt Shingle
    Foundation
    Block
    View
    Lake, Trees/Woods
    Waterfront
    Y
    Pool
    None
  10. Lot & land

    1
    Zoning
    SR
  11. Listing & possession

    3
    Occupancy
    Flexible
    Property style
    Bungalow
    Property class
    Detached
  12. Room-by-room · 11 rooms

    Every room with its dimensions, level, and notable features.

    Room dimensions

    Ground level

    10 rooms
    • Bathroom
      6.8 × 5.3 ft
    • Sunroom
      12.7 × 12.1 ft
    • Living Room
      15.4 × 14.9 ft
    • Breakfast
      7.1 × 7.3 ft
    • Bedroom 2
      10.7 × 12.0 ft
    • Bedroom 3
      9.5 × 10.0 ft
    • Bedroom
      11.4 × 12.0 ft
    • Dining Room
      20.2 × 10.9 ft
    • Kitchen
      7.1 × 12.0 ft
    • Foyer
      5.6 × 10.0 ft

    Basement level

    1 room
    • Utility Room
      22.5 × 14.6 ft
  13. School Bus Route
  14. Waterfront
  15. Combined estimate
    $2,712
    Mortgage + tax · before condo / insurance

    Mortgage & affordability

    Today's best Canadian rates from Mortgage Squad, then a live calculator — adjust down payment, amortization, and rate, and email yourself the report.

    Today's rates · Powered by Mortgage Squad
    350+ lender access · Best rate matched in 2 min
    Lock my rate
    • Best
      5-yr Fixed · Insured
      4.09%
      0.40% below banks
    • 5-yr Fixed · Conventional
      4.34%
      APR · OAC
    • 3-yr Fixed · Conventional
      4.49%
      APR · OAC
    • 5-yr Variable · Variable
      4.85%
      APR · OAC
    Rates indicative · Updated today · OAC, subject to underwritingSee all Mortgage Squad rates →
    Affordability calculator
    Estimated monthly payment
    $2,432
    /mo
    based on the purchase price of $495,000
    $99,000 cash
    $396,000 financed
    $333,536 total interest
    Monthly payment$2,432/ month
    Principal54%$396,000
    Interest46%$333,536

    20% down · 25-yr amortization · 5.50% rate. Principal & interest only — taxes, condo fees, and insurance not included.

    Email this mortgage report to yourself

    Save the full affordability breakdown — down payment, monthly, interest paid, and today's Mortgage Squad rate — in your inbox. Create a free Summitly account to save it, get rate-drop alerts, and build a shortlist.

    Create account & email meor send as guest
    Get pre-approved in minutes

    Know exactly what you can afford — a no-obligation pre-approval from Mortgage Squad.

    Get pre-approved

    Rental income & return

    What this home could rent for and the return at the asking price — an AI estimate against real property tax and condo fees.

    Est. monthly rent
    low–high
    Gross yield
    rent × 12 ÷ price
    Cap rate (est.)
    net of tax + fees

    AI estimate for discussion only — not an appraisal or investment advice. Yield and cap rate are derived from the estimated rent versus the asking price and real property tax.

    Comparable detacheds that just sold in Highlands East

    Swipe the closed sales, then use the table for a side-by-side $/sqft comparison against this home.

    • 1275 Quartz Lane
      Sold
      Sign in for price
      1275 Quartz Lane
      Detached
    • 66 Sprucedale Street
      Sold
      Sign in for price
      66 Sprucedale Street
      Detached
    • 1226 Hubbard & Montgomery Lane
      Sold
      Sign in for price
      1226 Hubbard & Montgomery Lane
      Detached
    • 1114 Comfort Drive
      Sold
      Sign in for price
      1114 Comfort Drive
      Detached
    • 32 Hemlock Street
      Sold
      Sign in for price
      32 Hemlock Street
      Detached
    • 1029 Patchway Lane
      Sold
      Sign in for price
      1029 Patchway Lane
      Detached
    AddressBd / BaSqftSold$/sqft% of askSold
    1021 Spencer's TrailThis home3 / 111,001,500$495,000ask———
    1275 Quartz Lane3 / 1700—
    66 Sprucedale Street3 / 1700—
    Sold prices are hidden under TRREB rules. Sign in to reveal them.

    More detacheds in Highlands East

    Active listings within ±20% of this asking price.

    • 19400 Upper Paudash-Birch
      $489,000
      19400 Upper Paudash-Birch
      Detached 2 1
    • 1234 Upper Paudash Lake Road
      $439,900
      1234 Upper Paudash Lake Road
      Detached 3 2
    • 17900 Highway 118
      $399,000
      17900 Highway 118
      Detached 2 1
    • 1432 Clement Lake Road
      $550,000
      1432 Clement Lake Road
      Detached 2 1
    • 19221 Highway 118
      $549,000
      19221 Highway 118
      Detached 2 2
    • 18240 Highway 118
      $499,999
      18240 Highway 118
      Detached 4 2
    AI-first listing data

    Zara's valuation, full price history, room insights, and live MLS® refresh — all in one feed. No more comparing 4 sites.

  16. One team, no handoffs

    Your realtor, mortgage broker, and offer-night closing team work side-by-side. One conversation, not three.

  17. Showings on YOUR schedule

    Same-day showings for shortlisted homes, evenings + weekends. Your Coldwell Banker Summit Realty agent coordinates with the listing brokerage.

  18. Mortgage that closes

    Pre-approval, rate hold, and 350+ lender access via Mortgage Squad Advisors — no juggling lender chats yourself.

  19. Public listing courtesy of Ball Real Estate Inc. · displayed on Summitly per MLS® data-share rules

    1021 Spencer's Trail is a 3-bedroom, 1-bath, 1100-1500 sqft. Full room dimensions and floor breakdown are in the 'Rooms' section of this page.

  20. When was 1021 Spencer's Trail built?

    The year built for 1021 Spencer's Trail isn't published in this MLS® feed — ask a Summitly realtor for the construction year from the seller's disclosure.

  21. What is the property tax for 1021 Spencer's Trail?

    The 'Property tax' tab in the History section shows the most recent annual tax for 1021 Spencer's Trail plus a 5-year breakdown with YoY % change. Monthly equivalent is shown alongside.

  22. How much would the monthly mortgage be on 1021 Spencer's Trail?

    The affordability calculator on this page shows an estimated monthly mortgage for $495,000 at 20% down, 25-year amortization, and 5.5% rate. Adjust the sliders to model your own down payment and rate.

  23. Has 1021 Spencer's Trail been sold before?

    The 'Listing history' tab above lists every previous MLS® listing of 1021 Spencer's Trail with its list date, sold price (when sold), and final status. Each row is colour-coded with price-change arrows.

  24. What neighbourhood is 1021 Spencer's Trail in?

    1021 Spencer's Trail is in Glamorgan, Highlands East. The 'Neighbourhood' section below links to the live Highlands East real estate hub with average sold price, days on market, and current inventory.

  25. Is Highlands East a good place to live?

    Highlands East is one of ON's actively-tracked Summitly markets. The full Highlands East real estate hub covers live average sold price, days on market, and neighbourhood-level inventory.

  26. 1226 Hubbard & Montgomery Lane
    3 / 1
    700
    —
    1114 Comfort Drive3 / 1700—
    32 Hemlock Street3 / 2700—
    1029 Patchway Lane3 / 1700—