Operating Costs

Your unit's monthly fee contains two elements: a contribution to operating costs, and a contribution to a reserve fund, both partly offset by the annual income you will receive from marina operations. 

For 2024, your unit's share of monthly operating costs is $667.

One of the great things about coliving is that your regular household expenses are shared with others.  In our case, seven units share these operating costs.  Property taxes, insurance, repairs and maintenance, electricity, heating and cooling, cleaning, cable, high speed internet, phone (household landline), supplies, lawn and garden -  your monthly $667 covers all of them  

Your monthly reserve fund contribution is $693.

Our reserve fund policy provides for major capital expenditures and emergency repairs. Funds not required to meet those two priorities  are available for renovation and improvements. 

Your total monthly payment, operating and reserve funds combined, is about $1,360

There is also a monthly, per-person contribution to food costs which, in 2024, is $400. This provides all meals, non-alcoholic beverages and snacks. Food costs are subject to reduction if you are absent for seven consecutive days or more.

Income from Coliving

Wait. There's income? Yes! We operate Oakview Marina, a successful business which provides docking and parking services (no fueling) on Little Hawk Lake. As a co-owner, you also receive a share of profits from marina operations. You don't actually have to do any work in the marina. How cool is that?

How does Oakview Coliving Compare?

Another way to look at costs is to compare Oakview Coliving to the cost of a single home. 

Single Home Oakview Coliving
Capital cost 2024 800,000 (1) 325,000
Basic Annual Operating Cost 8,500 (2)
16,320 (3)
Meals 4,992 (4)
4,800
Services:
Weekly Cleaning 7,800 incl
Snow removal 500 incl
Cable (Basic) 600 incl
High Speed Internet (Starlink) 1,680 incl
Maintenance:
Fireplace Maintenance 85 incl
Home Generator Maintenance n/a incl
Furnance Maintenance 150 incl
Water treament n/a incl
Repairs 3,000 incl
Safety
Generator No incl
Companionship No Yes
Equity Yes Yes
Waterfront No Yes
Income No Yes (5)
Total annual cost 27,307 Less than 18,000
Use of capital (6)
Difference in capital cost (avail. for investment) 0 475,000
Assume 5% annual return on investment 0 23,750
Net annual cost 27,307 -5,750

Notes:

1  Median list price of single family homes in Haliburton County in April, 2024, was more than $1.1 million. Source
2  Assumes hydro = $1500, taxes=$2000, gas (heating)=$2000, insurance=$2000, water=$1000
3  Annual Monthly Maintenance Fee
4  Source: CTV News
5 Co-owners share in profits from marina operations
6 This example assumes that if you sell your $800,000 home, you will have some amount available to earn income from investment.

 Figures correct as of August 1, 2024