Mls Ottawa West – Things to Look for When Buying Cottage Property

14 April, 2011

A home away from home is what we all need every now and then, be it metaphorical or literal.  Sometimes we need a place to seek solace and refuge in when ordinary life becomes stressful and overwhelming.  Escape can very cheaply exist by the can at a liquor store, as it does for most of the working class.  Wealthier folks, given a financial advantage however, often are provided the ability to have an alternate, less self-destructive means to enter a peaceful state of mind, and it might lie in another state or territory altogether: cottage property.  Owning an Ottawa Cottage can be a great way to even escape national and political frustrations.  An Ottawa cottage might even simply make a good excuse for acquiring free healthcare benefits.  Also, an ownership of such creates a portal that can be entered any given Friday, a portal to a world of childhood simplicity, free of budget reports, hammering emails, and sometimes electricity.  Yes, a cottage can be very unlike ordinary domestic circumstances, especially if it falls subject to Canadian or other territorial law, which is why certain things need to be taken into consideration when contemplating buying a cottage property, be it an Ottawa Cottage or otherwise.

Money is the first and most obvious factor to be considered in purchasing a cottage.  You must make sure that you aren’t getting yourself into an investment you’ll regret, or else it becomes no longer an escape but just a burden.  An Ottawa Cottage should be considered for more reasons than the beautiful location, that is to say.  Many mortgage options exist, and you need to decide which one fits you the best: you need to work out whether or not it makes sense to refinance your actual home and pay them both off simultaneously so inundation doesn’t surmount.  Also, it might not make sense to pay more for a cottage than your actual home, if it’s going to only collect dust and sit unused for a majority of the year.  An Ottawa Cottage is one, at least, that should never be taken for granted.

Some other less immediate concerns than fiscal ones include the distance from your actual home, accessibility, the accoutrements surrounding the property, and whether or not you’re building from scratch.  A respectable and comfortable distance from home would be a good three hours.  Any more than that can be discouraging; who wants to spend a majority of any day off from work on the road?  An Ottawa Cottage can be realistic for New York residents as a result.  You also want to make sure you can get to your property without too many deterrents or impasses in the form of uncleared, unplowed, or generally unmaintained roadways.  Another consideration is natural formations and large bodies of water.  Would you prefer a quaint, peaceful view of a pristine body of water from your back porch or another outlet for adrenaline-pumping motorized mechanisms?  This determining factor in either case is usually age.  Finally, would building a cottage from the ground up be in your best interest, or else budget?  Some folks prefer a personalized establishment, something they can take pride in as well as truly call theirs.  This may be expensive, but certainly a way to ensure nothing is out of place.  Used properties may lack adequate or legally-viable septic systems and require an input of additional cash for all the extra maintenance, additions, and repairs.  These can add up.

The cottage should also be surveyed to make sure boundaries are defined and acceptable.  You don’t want to come to find out part of your yard is inaccessible as the result of nit-picky neighbors.  Cottage properties don’t tend to receive the same kind of strict consistency and regulatory oversights that typify a residential neighborhood property.  If you’re looking into an Ottawa Cottage, make sure it fits the proper specs and you don’t neglect necessary legal attributes.  That said, taxes are another issue to work out.  The Canada Revenue Agency states that one house can be exempt from taxes, if it is not claimed as a primary residence. This is where a loophole comes in. If you own an Ottawa Cottage, for instance, you can claim it as your primary residence even if it is cheaper.  This can, as a result, make paying your property taxes at least a little less stressful.  This lack of stress might make visiting an Ottawa Cottage a little less mandatory, and a little more enjoyable.  Owning an Ottawa Cottage should not be another source of headaches and popped veins.

Roch St-Georges REALTOR®, with HomeLife Capital Realty inc. in Ottawa, Ontario.

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World Waterpark pool
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Ice Palace
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