How can Zara help?Zara · AI virtual agent · 24/7 · free
Zara is an AI virtual agent. Advisors are licensed REALTORS® at Coldwell Banker Summit Realty, Brokerage.
Home in Otonabee-South Monaghan
Unit 20 at 5 Elm Grove Road
Welcome to a stunning 9-acre waterfront setting with the rare right to build your dream retreat. Perfectly oriented for a serene south-eastern view and unforgettable sunrise moments over Rice Lake. Enjoy direct water access from a private, expansive parcel designed for peace, privacy, and connection to nature. Part of a fractional ownership arrangement shared with 17 other cottages, you'll have exclusive access to this beautiful property while benefiting from manageable maintenance costs. Maintenance fees include hydro, water, internet, property taxes, property grounds maintenance in both summer and winter, making lake living effortless. Set within a peaceful three-season community, residents can enjoy a playground for family fun, a community fire pit for memorable evenings, and winter boat storage to keep your watercraft ready for the season ahead. Build an idyllic escape tailored to your lifestyle, surrounded by open space and natural beauty. Existing building plans and permits available. Please book appointment to view the property.
Otonabee-South Monaghan home priced at $90,000 — book a tour to see if it fits your search.
Inside 5 Elm Grove Rd #20
Every detail from the listing, in one place.
Style
Other
Living space
0-499 sq ftas stated on the listing
Basement
None
Features & systems
Parking & garage
Parking spaces
0
Interior
Basement
None
Lot & land
Lot size (sqft)
0
Listing & possession
Property style
Other
Property class
Other
5 Elm Grove Rd #20 Price & Sale History
Earlier listings of this property, list-price changes, and the most recent annual property tax on the listing.
For saleListedThis listingMLS® X13662382$90,000
Sourced from MLS®. Includes earlier listings of this property on record.
What's it worth?
How 5 Elm Grove Rd #20 Compares to the Otonabee-South Monaghan Market
Zara compares it with recent sales of similar homes nearby. It's a guide, not an appraisal.
Zara’s estimate
$•,•••,•••
Estimated from city-wide sales. There isn’t enough detail on this listing to rate the price.
Independent mortgage broker · OAC · rates subject to change and underwritingMortgage Squad →
Referral disclosure: Summitly may refer you to Mortgage Squad Advisors, an affiliated mortgage partner. You are free to choose any lender or mortgage professional.
Monthly cost
Enter a rate to see the monthly cost
An estimate, not a quote. Utilities and insurance are extra.
Affordability calculator
Estimated monthly payment
$442
/mo
based on the purchase price of $90,000
$18,000 cash
$72,000 financed
$60,643 total interest
Principal54%$72,000
Interest46%$60,643
20% down · 25-yr amortization · 5.50% rate. Principal & interest only — taxes, condo fees, and insurance not included.
Want rate-drop alerts and a saved shortlist?
Figures are Summitly estimates for illustration only — not from TRREB or the MLS® feed, and not a mortgage approval, appraisal, or financial advice.
Rental income potential
Est. monthly rent
low–high
Gross yield
rent × 12 ÷ price
Cap rate (est.)
net of tax + fees
Summitly AI estimate for discussion only — not from TRREB or the MLS® feed, and not an appraisal or investment advice. Yield and cap rate are derived from the estimated rent versus the asking price.
For homeowners nearby
Own a home on Elm Grove Road? See what yours is worth
Get an instant estimate for your own home, based on recent sales around you. A free account shows the number and emails you the full report.
Free · No obligation · Backed by Coldwell Banker
Book a tour of 5 Elm Grove Rd #20 with a licensed buyer's agent
Your agent is usually paid from the seller's side. We'll confirm the co-operating commission on this listing before you sign anything.
Zara, any time
Zara · AI virtual agent
Ask about 5 Elm Grove Rd #20 day or night. Zara reads this listing and answers in plain words. When you want a person, she hands you to a licensed agent.
A licensed local agent
Your agent shows you the home, checks the paperwork and negotiates your offer, on your side, not the seller's.
Mortgage financing is arranged through Mortgage Squad Advisors. Summitly is the technology platform that powers this site. Estimated values, AI insights, calculator results, and rental projections shown on this page are generated by Summitly and are not provided by, reviewed by, or sourced from TRREB, the MLS®, or the listing brokerage; they are not appraisals or opinions of value. 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.
Keep looking near 5 Elm Grove Rd #20
Homes for sale in Otonabee South Monaghan
Every active Otonabee South Monaghan MLS® listing, updated all day.
Average days on market54Homes sold in about 54 days on average.
Sale-to-list ratio94.2%On average, homes sold below asking.
Active listings106Homes for sale here right now.
Median vs prior 90 days−15.7%Compared with Apr 25 – Jul 24, 2026: prices down.
Based on 47 sales from Jul 24 – Oct 22, 2026 (23 in the prior 90 days). Aggregate MLS® figures for closed sales; individual sold prices are shown only to signed-in members.
Questions About 5 Elm Grove Rd #20
How much is 5 Elm Grove Rd #20 listed for?
5 Elm Grove Rd #20 is listed at $90,000 (MLS® X13662382). Summitly updates the price as soon as the MLS® record changes.
Has the price of 5 Elm Grove Rd #20 changed?
No — 5 Elm Grove Rd #20 is still listed at its original asking price of $90,000.
How many bedrooms and bathrooms does 5 Elm Grove Rd #20 have?
5 Elm Grove Rd #20 has about 0–499 square feet of living space. The listing doesn't publish a bedroom or bathroom count. It is a home in Otonabee-South Monaghan.
How much would the monthly mortgage be on 5 Elm Grove Rd #20?
About $442 a month — principal and interest on $90,000 with 20% down ($18,000), a 25-year amortization and an assumed 5.5% interest rate. The mortgage calculator on this page lets you change the down payment, amortization and rate.
How does 5 Elm Grove Rd #20 compare with other homes in Otonabee-South Monaghan?
Its asking price of $90,000 is about 84% below the median sold price in Otonabee-South Monaghan over the last 90 days, $565,000, across 47 closed sales on the TRREB MLS®. A city median mixes every type and size of home, so the comparable sales on this page are the closer guide.
Has 5 Elm Grove Rd #20 been sold before?
Summitly has no earlier MLS® sale or lease of 5 Elm Grove Rd #20 on record from the last two years. Older records aren't shown under TRREB rules.
Where is 5 Elm Grove Rd #20?
5 Elm Grove Rd #20 is in Otonabee-South Monaghan, ON. Schools, transit, parks and shops nearby are under Location & lifestyle on this page.
How long has 5 Elm Grove Rd #20 been on the market?
72 days — 5 Elm Grove Rd #20 was listed on August 11, 2026.
What is the price per square foot of 5 Elm Grove Rd #20?
About $180 per square foot: the asking price of $90,000 over the 0–499 sq ft the listing gives.
Does 5 Elm Grove Rd #20 have a basement, and is it finished?
The listing says 5 Elm Grove Rd #20 has no basement.
What is the land transfer tax on 5 Elm Grove Rd #20?
About $625 in Ontario land transfer tax at the asking price of $90,000. First-time buyers can get up to $4,000 back. Legal fees and other closing costs are extra.
How do I book a viewing of 5 Elm Grove Rd #20 or make an offer?
Select "Book a viewing" on this page and pick a time. A licensed Coldwell Banker Summit Realty, Brokerage agent confirms it with the listing brokerage. When you're ready, your agent prepares the offer with you and submits it to the listing brokerage.
