I Live In A $250K Houseboat In Toronto, Canada | Unlocked
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- Опубликовано: 13 май 2024
- Kate Fincham, 35, has lived in a houseboat in Toronto, Canada for the past three years. She purchased her home for $250,000. Kate is a content writer and lives with her two cats.
Unlocked is a home tour series focused on how much people across the globe spend on their housing, what they get for the money and what they had to sacrifice to make it happen.
Produced by: Valentina Duarte
Managing Producer: Beatriz Bajuelos
Camera: Nicky Young
Editor: Marisa Forziati
Animator: Elham Ataeiazar
Additional Footage: Kate Fincham
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I Live In A $250K Houseboat In Toronto, Canada | Unlocked
There's pros and con's when living on a house boat. Anyone thinking of doing this may try renting first, or spending a weekend or a few on a sleeper boat to get an idea on what its like to live on the water. She is not discussing storms, cold weather, smells associated with water/docks, noisy neighbors, boats coming and going, sometimes issues with power, water, sewer systems provided by dock services, etc.
My biggest concern is living on a freshwater lake. In winter and keeping the ice from developing around the hull, power goes out and you’re in deep trouble.
I love it but can’t as I have osteoarthritis 😂😂😂😂
Absolutely phenomenal
What do you expect for 500,000 dollars...............
she said the houseboat doesn't have a motor....how does she get the boat up & out of the water to scrub the rust & scum off it to paint it? must be done every couple of years she says🤷♀that must be expensive
It’s beautiful to see this lovely woman so happy. I wish her the best
My wife and I lived there for 10 years in a floating home and as the saying goes, “the two best times to own a floating home is the day u take ownership and the day u sell it.
whys that?
@@biljanas7931 Well its not like you own the water underneath it, but the shoreline property owner is sure making moring fees bank from that $taint lawrence seaway riverbank tributary. Maybe they have one of those islands in dubai.
Because you are living in a floating trailer park at a hight premium. When the house gets rundown you don't own the land so you have no real value
Lol right!
Some nefarious manipulators seem to have deleted my comment. That's always interesting to make note of.
It's a really worrying trend, but what's worse is that most people are closing their eyes to reality. Life in this country has become unaffordable due to politics. Now people have to live on boats and in "tiny houses" - of course, this is bitter and a real shame in the richest country in the world, but you should talk about it. In our society, there should be living space for everyone.
Canada is not the richest country in the world, the USA is - but I agree with everything else you have said. FJT!
@@chelseagirl278 JT is not responsible for inflation. People need to get educated on how things actually work instead of falling for conspiracy theories and bad information.
@@chelseagirl278the usa is rich yes , but the people arent , so i dont agree. I do agree its getting unliveable in my country, Canada. I am senior so I will be ok , but .i dont see a peaceful future. I see a future , just not agreeable nor peaceful
@@clarkpalace this is exactly the same with Canada
Amen to that.
I have a friend who at one time was a housesitter. She would look after houses while people travelled. You move every few weeks or months to another location. She was able to avoid paying rent this way for 8 years. She also did boat sitting for clients for a three year period.
Would she get paid for housesitting? Otherwise, pretty hard to hold down a job when you're on the move all the time.
@@Curious2Know2 When you have high speed internet, many of today's jobs can be done from home. She would also get a small stipend from the owners. But with rent out of the way it gave her more disposable income.
I could do that for a year, but always moving and not a having a home of your own for 8 years sounds very depressing.
Considering the outrageous cost of housing in Toronto, this is a great deal.
Terrible idea, her mooring fees alone are outrageous. She should’ve just bought a condo near the waterfront.
Not if you consider she doesn’t owe any land. If her location kicks her out., she can’t just park the boat and have it livable anywhere
It's better than being homeless. Sadly, more and more people are being priced out of the rental market completely.
But, I would rather buy a condo than live on a house boat. As she doesn't own the dock space or mooring space, the harbor master can evict all the houseboats if they have other plans for the dock.
That's the downside. Which makes it very similar to renting. You are at the mercy of the landlord that owns the dock.
@StarLight-sl9ok She is pleased with her decision, so it doesn't matter what you think she should have done.
Purchased my condo for 480k worth 600k. What's the houseboat worth now? Or say in 3years?
Looks like the Scarborough Bluffs in the background.
That’s exactly what I was thinking’s
I know the Toronto waterfront pretty well, so I knew this had to be Scarborough
It is.
you are correct!
Bluffers park marina, I suspect? We had a small sailboat in the 70’s and 80’s in Toronto Hydroplane and Sailing Club. Loved being on the water. I think though, winter would be more of a challenge.
I would like to see this video shot in the winter. Sure it is beautiful looking in spring and summer but lets not forget we have 6 months of winter in Toronto.
October of 2020 bought with inheritance and borrowed money. So even house boats are unaffordable now!
Nearly every home is bought with borrowed money.
She has a cozy and idyllic home in an exciting city. I love this story. It is very inspiring.
Good for her, she looks so wholesome
Unfortunately it's because she's so oblivious to how financially wrecked she's gonna be with $1,500 in monthly expenses and no land or asset in 10 years
@@stephen-he4iw But she will have lived well with more room and access to nature than most tiny condos in downtown Toronto. I lived there. Great city but those shoebox condos will drive you crazy after a few years. Besides, her monthly costs are not that high - she could have a lot saved in a few years and still enjoy living well in the meantime.
Right? I want to bring her some fresh croissants or something.
@@stephen-he4iwlike any other renter?
Love it, good for her. Toronto is expensive to the point of inaccessible in the last few years and she has a space for her that has outdoor area and access to a lake! So what if there are downsides to living on a boat, you can name just as many living in a house, suffocating condo, commuting, etc. She seems happy and her place is super cute! And different.
Thank you for sharing your lovely home and water way-of-life! Living close to nature as opposed to being in an urban area is definitely a unique, vibrant way and having ownership is such a secure feeling as opposed to paying the banks for years make one the master and not the slave. I live on an old rustic wooden trawler in the Pacific North- West and love it's 72 year heritage. Many ways to seek fulfillment.
Good on her for finding a soultion to still live in Toronto!
This is awesome. Congratulations!
Thanks for sharing, you seem very kind, we wish you the best.
Such a serene home in the midst of such a serene location.
So lovely to view.
One of the 25 float houses was listed recently for $700,000 CAD.
That is rediculous.
They only filmed a little of winter ❄️ Trust me, when it’s -20c out, you don’t wanna be anywhere near that water
When it’s -20c out, I wouldn't be in Toronto
@@jwong1546 Pretty rare to see Minus 20 C in Toronto but I get your point when the weather comes up and you are on the water. I live on the east coast with Nor’ Easter’s and winter storms can be extreme for sure!
@@grantlingley1385 I suspect quite a few owners also have chalets for the winter. If not, and there are others living on the water, time for a little visit and some hot rum toddies! Maybe bring some scones, too.
Yeah -20c near the water is horrible but the cold is part of the Toronto charm.
last winter was super warm, i expect next winter to be the same
I ❤ her story 👏🏿👏🏿👏🏿
Here we go! Million dollar house boats with basements for rent.
Beautiful area. I always wondered what one of those house boats looked like inside, and the tranquility. Good for her. Thanks for sharing 🫶🏾
Fascinating! I lived in a house in the Scarborough Bluffs. It is great to be close to the water. Being right on the water with the bluffs behind and the lake in front looks wonderful. I write this sitting on a deck overlooking Lake Muskoka. Love to be near the water. Not the easiest lifestyle, but far better life than living in a tiny Toronto condo that would cost far more to buy and to maintain. There you look out onto city.
That's so cute! It looks like a tiny home from the inside! Very well designed🤩😍
Kate seems like a lovely happy young lady. So happy for her.💌
I would love to visit you. We haven’t gone to your area in about a year now, and we did walk by your home. I would love to wake up to then peaceful space, feeding the ducks with healthy food, and enjoy the view. We always got the feeling that everyone is no nice there. Thank you for sharing.
$2000 in fees month is crazy. Even with the crazy housing prices in Toronto. You had $300k which could have been a good downpayment and then $2000 a month towards a mortgage. Could have bought a condo downtown of similar size.
Awesome to hear aboat her boat
*Think financial independence look up Donald Nathan Scott.*
Love the decor
That house is amazing! Gorgeous area and what a site ! I love your home! 👍🏻🇨🇦
What a beautiful life ❤
Thanks for opening up your world to the outer world. What an incredibly beautiful and peaceful lifestyle. Didn't even know this exist in Toronto. Isn't wonderful when we can dwell in a peaceful and serene environment away from the hustle,bustle and noise of city life enjoying nature,peace and tranquility. Thanks for sharing. All the best.
Beautiful inside and out!🏠
This was different and pretty cool. Good share
Oh...best addition is the cat❤❤❤❤
She seems to be very happy, and I'm happy for her.
Lovely home!
Just found this channel. Nice!
oh my, she really has a fantastic cozy houseboat.
Oh how awesome it must be during the Canadian winters lol
Do one on Amsterdam house boats!
I know exactly where this is. At the base of the Scarborough Bluffs! Amazing area!
Winters would be crazy
Soon we are going to see people living in tree houses
I've got a tree house for $100K to sell ya. lol
No caves
😂that’s awesome
Or tents in the park 😮
Live in space it's free
its beautiful, cozy, multifunction house
I own a big house in Toronto worth $1.7 Million but your home looks so inviting, cosy and I must say living next to the water was always my dream. YOUR HOUSEBOAT HOME IS SOOO BEAUTIFUL! I dream of living in one and getting rocked by the gentle water waves with the duck and birds singing beside! You've made a very nice decision! ENJOY!
That's a very nice house boat .Toronto and major cities are expensive. But if you work remote , there are 1000 s of small towns where $350,000 , will get you a nice house.
Absolutely but not if you want to live in Toronto
@@ralex3697 you can get a decent condo for that price. Cost of the boat itself doesn't include costs to dock it.
@@butwhytharum not a condo in Toronto
@@chelseagirl278 Jane and Finch you can snag a condo for 280ish.
NO ONE in their right mind would want to live there!!
Thanks for the great video my style of living
Waterfront is not cheap but with it. Nice place.
Awesome!
Love the house. I am going to organise the riot guys, boats are even so expensive now
Omg finally somewhere in Toronto
Wonderful nice idea..now can you do a -40 winter version of this video
Toronto never sees -40. But it is a wet cold grey winter. Looking out at that view would be great all 4 seasons IMHO. The lake moderates the temp extremes. On a hot sticky July day, go to the bluffs and you'll find it 10 degrees cooler. Same in the winter. Often it snows at the 401 and north. Down there it will be warmer and wetter.
Toronto has never had -40 weather huh
@@Hugo-nw2su Right. It got to -24F in 1859. In 2018 it made news hitting -8F. If you want to see cold weather, Edmonton AB is your place or go where Eskimos hang out. In my 50 years in Toronto, I find the weather grey and a wet cold like England, but not cold crisp and dry like -40.
@@user-od9iz9cv1w yup. We might get a couple chilly days in February but -20 is unusually cold. -40 is unheard of.
Try going down the road in there. One lane each way. The road feeds a beach, a park and boat launch. Its packed every week end. Cars backed up all the way to the main road running east and west. Its like that every weekend from late spring to warm weekends in the fall. No thanks.
Nice place. It does seem like a hassle in the winter. Good luck to her.
Very beautiful!
Go Kate! She seems so cool.
I gather she works from home. That saves her stress, time, and money from a long commute. Plus the scenery around the marina looks amazing.
It’s not a long commute. I live nearby and its abo
@@rosdavies1382 where is it? Durham shore?
@@TheJlee28 I believe that it is Bluffers Park, the Scarborough Bluffs on the east side of Toronto. Folks have been living on houseboats there for years. I know some folks who lived on their sailboat there for about 4 years before they sold & moved north.
@@jackthecanuck6736 so lovely 🥰
@@jackthecanuck6736 yes it is the bluffs
I live in a small fishing village in Nova Scotia and I've often thought about a houseboat type cottage but I don't think it would work in my area because of the high waves and swells .. My youngest son has 2 condos in Toronto both are close to the CN Tower , he rents 1 out and lives in the other ..1 is in an older building and 1 is in a new building ..
You are lucky because houseboats are nearly 1M dollars. Wish you more happiness in your little lovely house.
Wow I’m really impressed with your house boat.
Are there any hidden dock fees.?
I love the whole concept.
Thanks for sharing.
Is it really costly in the winter for running heat.
it looks like she mainly uses the wood stove in the winter
I love your home 💕
She's happy with the lifestyle, that's what matters. But the monthly cost is around $3000 cad for financing and mooring fees. Add to that, insurance, heating, maintenance, etc. So cost is probably similar to renting in downtown Toronto.
I live right close to you!
Do you know when they first created this, the price was *$14 000* (not including any fees etc)
Unreal!
Beautiful place though,great choice😊
Show us your home in winter.....anyone been on the Lake Ontario shoreline in Feb?.......
You are living my dream! I am so jealous.
Hi Neighbour! Fellow Torontonian here and I'm so happy that you've found a spot in that cozy nook.
Yup, Bluffers is a nice spot.
After they started charging for parking most of the riff raff and druggies has moved on.
But since the TTC started going down there(the park and beach area, May to October) it's getting bad again.
The visitors going to the Scarborough Bluffs have changed a lot since i was born. The park has to put up dozens of Port a potties just to deal with visitors going in the open. It's a dirty dirty city to be in unfortunately. However I grew up in Toronto and have fond memories of the Scarborough Bluffs in the 80s & 90s and the pretty little house boat community and the little bar at the end of the dock.
I think it's unfortunate that people who grew up in the city can't really aspire to home on property real estate ownership. And rent generally takes more than is fair share of income.
Canadian liviing...U,S prices shown....why?
Let's show US prices for a Canadian location, brilliant!
Mooring fees are a killer. Rather like throw this much money at a mortgage rather than wasting them forever... 💯
The mooring fee is almost like paying property taxes. In terms of "wasting," our government definitely doesnt waste that tax money. 🤣
$10k a year is still cheaper than buying a house in TO lol
Aren't they like property taxes?
condo fees can be similar too
@@FCTrinesetry 22k
AMAZING!
She is an inspiration
Sweet digs toots !
sending love to everyone...
Good idea, given the high cost of property in the city, what did the government do to help the average Canadian who are priced out of the market and suffering from high rent ??
Her vocal fry is truly egregious
Yup
🤡
This is very interesting
How does that work in the winter? Doesnt the lake freeze?
I am happy for her, she looks happy
Beautiful. I built a custom 550sf floating house in Oregon.
This is cool but please make the next one in Europe again
I don't really consider Scarborough Bluffs as "near downtown Toronto" but ok. I like it but I'm still skeptical on what it's like in winter. Winters can be brutal in those parts. And the inspection and repair fees that you said occur every 3ish years is what I'd really like to know more about.
Muito bom video! very good!
I lived in toronto the prices right now here is crazy especially housing, grocery and many more.
Only 1 person in Ottawa to blame, and he wears fancy socks
Bluffers Park is beautiful .. the only snag is , much like the beaches, the entire area is swarmed and taken over by inconsiderate visitors setting up camp for the day., spoiling the enjoyment of local residents .
Beautiful ❤
I curious how much wood you would typically use in a winter and where would you access it??
Good for you. Ignore all the naysayers, as I'm sure you do
My wife and I would excel on a houseboat. We use 1/2 of our 2,000sf house at most. (We also live in the GTA, Ontario)
I would love this
The only thing i would be concerned about are micro organisms that would affect the respiratory system that you find in puddles which can occur in these places..
Pretty interesting shelf
Hi there - would you kindly explain how and where one would find these types of rentals? Much thanks
What a great place to call home!! You did an amazing job decorating, and I am sure you will inspire many people to explore living on a house boat.
I love TO! 😍
Well well..Bluffers Park..what for dinner at the Dogfish Inn?
Not sure (or when) you bought your houseboot for $250k, but today you cannot get any of them for under $650k .. and that is for a small 650sqft unit! So you are either really lucky OR this took place back when house prices were reasonable once again showing that Toronto, Canada is out of touch with reality!
Lovely; I never could get-it-together to make the transition; then, a stroke hit and that shows it wasn't meant to be for me, .. .