The trademarks MLS®, Multiple Listing Service®, and the associated logos are owned by the Canadian Real Estate Association (CREA) and identify the quality of services provided by real estate professionals who are members of CREA. Listing data provided by the Toronto Regional Real Estate Board (TRREB). Data is deemed reliable but not guaranteed.
Welcome to 640 Ramsay Concession 4A-an inviting 3-bedroom, 1-bathroom bungalow that captures the essence of easy country living, just minutes from all the amenities of Carleton Place. Perfect for first-time buyers, downsizers, or anyone craving a quieter pace, this property offers a rare blend of comfort, privacy, and everyday convenience.Set against open farmland with no rear neighbours, the setting here is what truly stands out-wide, uninterrupted views and a sense of space that's hard to come by. Morning coffee hits different when it comes with a backdrop like this, and evenings feel that much more relaxed.Outside, the property is built with both practicality and lifestyle in mind. A newer detached garage provides excellent space for vehicles, tools, or hobbies, while the durable metal roof adds long-term peace of mind with minimal upkeep.Inside, the home is bright and welcoming, with large windows drawing in natural light throughout the day. The layout is functional and cozy, anchored by a charming country kitchen with plenty of cabinet space. A wood fireplace adds warmth and character, while a recently installed heat pump (within the last three years) ensures efficient comfort year-round.Thoughtful updates-including a new hot water tank in 2024-make this home move-in ready, and all essential appliances are included for added convenience.If you've been searching for a place that offers privacy, views, and that true "out of town" feel-without sacrificing proximity to shops, restaurants, and schools-this one delivers in all the right ways.
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What’s NearbyDistances approximate
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Estimated Rental Income
Rental estimate coming soon
We’re not showing a number until we have a data source we trust. When it’s connected, this section will show:
A monthly rent range from nearby leased homes of the same type and size
The leased comparables behind it (signed-in, VOW-gated)
Gross yield at the current list price
Monthly Cost
A quick estimate to plan with. Taxes come from the listing; change the other inputs to match your situation.
Estimated monthly$2,030/mo
Mortgage (principal + interest)$1,867
Property taxFrom listing: $1,963/yr$164
Minimum $24,950 down for this price; the slider moves in whole percent, starting at 5%. Under 20% adds mortgage default insurance. Confirm with a lender.
Mortgage uses Canadian semi-annual compounding. Houses-Gate doesn’t offer financing.
Estimated Budget
About how much cash you’ll need on closing day, besides the mortgage.
Down payment20% of the list price$99,800
Ontario land transfer taxProvincial brackets, no first-time refund$6,455
Legal fees & disbursementsTypical range $1,800–$2,800$1,800
Home inspectionTypical range $500–$800$600
Title insuranceTypical range $300–$600$400
Cash needed at closingEstimate$109,055
First-time buyers can get up to $4,000 back on Ontario land transfer tax. Mississippi Mills has no municipal land transfer tax (Toronto does).
Uses Ontario’s land transfer tax brackets and the down payment set in Monthly Cost. Legal, inspection and title-insurance figures are typical ranges, not quotes.
Listing data is provided under copyright by the Toronto Regional Real Estate Board (TRREB). The data is deemed reliable but is not guaranteed to be accurate. The trademarks MLS®, Multiple Listing Service®, and the associated logos are owned by the Canadian Real Estate Association (CREA) and identify the quality of services provided by real estate professionals who are members of CREA.
The information provided herein must only be used by consumers that have a bona fide interest in the purchase, sale, or lease of real estate and may not be used for any commercial purpose or any other purpose.
All information deemed reliable but not guaranteed. All properties are subject to prior sale, change, or withdrawal. Neither listing broker(s) nor HousesGate shall be responsible for any typographical errors, misinformation, misprints, and shall be held totally harmless.
