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T H E W A T E R F R O N T G U R U

The Waterfront Ownership Cost Calculator™

Know the real cost before you fall in love with the view.

O n t a r i o E d i t i o n

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A laptop and smartphone displaying a waterfront ownership cost calculator tool for Ontario seasonal cottage properties.
A laptop and smartphone displaying a waterfront ownership cost calculator tool for Ontario seasonal cottage properties.
Checklist icon.
Checklist icon.

Guided, step by step

Property, costs, reserve, financing, results. No spread sheets.

Built for waterfront

Septic, well, dock, boathouse, shoreline, private road, tree work and winterization.

Plan for big expenses

A built-inn reserve for roof, dock, septic, furnace, windows and boathouse.

Optional financing

See ownership cost on it own, or total cash outlay with a mortgage.

Your Waterfront Reality Check

Annual cost, monthly budget, yearly reserve and 5-year estimate.

See where the money goes

A clear breakdown by category, with expandable detail.

Look ahead year by year

Tap any year to see its cost breakdown, with inflation built in.

Expert tips along the way

Short "Why this matters" notes on septic, well, docks, insurance and more.

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Calculator icon.
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Download icon.
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Map of Ontario icon.
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Binoculars icon.
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House icon.
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Rising bar chart icon.
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Light bulb icon.
Property details form with input fields for nickname, lake area, and property type buttons for real estate listing.
Property details form with input fields for nickname, lake area, and property type buttons for real estate listing.
A line graph titled Five years ahead showing rising annual costs and inputs for inflation and years.
A line graph titled Five years ahead showing rising annual costs and inputs for inflation and years.
Infographic titled Your Waterfront Reality Check showing a $40,905 annual ownership cost with a multicolored donut chart.
Infographic titled Your Waterfront Reality Check showing a $40,905 annual ownership cost with a multicolored donut chart.
Budget planning form for everyday costs like property taxes, insurance, landscaping, and snow removal.
Budget planning form for everyday costs like property taxes, insurance, landscaping, and snow removal.

PROPERTY

COSTS

RESERVE

RESULTS

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Looping arrow pointing right icon.
Arrow pointing left icon.
Arrow pointing left icon.
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Arrow pointing right icon.
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Document icon.

One-page summary: save as PDF or print. Do one per property to compare side by side.

Laptop, tablet and phone icon.
Laptop, tablet and phone icon.

Works on phone, tablet and desktop.

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Cloud with download arrow icon.

Your entries save automatically on your device.

Contact

© 2025. Kinga Ligenza, Realtor®

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647-540-6559

Kinga Ligenza, waterfront property specialist in Muskoka, Orillia and Severn
Kinga Ligenza, waterfront property specialist in Muskoka, Orillia and Severn

– The Waterfront Guru. All rights reserved.

OFFICE: 416-383-1828

Home/Life Vision real estate logo.
Home/Life Vision real estate logo.

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1945 Leslie Street, Toronto

Ontario, M3B 2M3

info@thewaterfrontguru.ca

FAX: 416-383-1821