With a mobile home, everything starts there. On owned land, a home fixed to its foundations is ordinary real estate: ordinary mortgage, insured loan possible, welcome tax, certificate of location. On leased land in a park, you own the home and rent the ground, and three things change at once: the financing, the monthly land rent, and the resale conditions.
The town of Lac-Brome has not yet issued this property's municipal assessment: the $1 entries on the sheet, for both the assessment and the taxes, are placeholder values until it comes out. The sheet also declares no lot area, no cadastre and no zoning. We do not guess, and we do not publish a number we have not read. Stéphanie has the file: call her and you will get the answer, the lease if there is one, and the real figure before you make an offer.
Why we insist: the asking price does not tell you the real monthly cost until that question is settled. That is true of this home and of every other one.
On owned land, it is an ordinary mortgage at market rates.
On leased land, the rule changed recently and few people know it. Since October 25, 2024, National Bank accepts mortgage financing applications for a mobile home on leased land, provided the lessor is a city or municipality, a mobile home park recognized by the Bank, or Rio Tinto Alcan. A movable hypothec and an immovable hypothec covering the home alone are then registered, and the lease must be in good standing and assigned if required. Other institutions offer, depending on the case, a personal loan, a movable hypothec on the home alone, or decline.
Three things weigh on the lender's decision: the age of the home, its anchoring and the length of the lease. This home was built in 1981, which makes written pre-approval all the more important. The full detail is in financing a mobile home in Quebec.
Written pre-approval, with the address and the lease in hand, happens BEFORE the offer. That is what keeps a deposit from being lost to a financing refusal.
In a Quebec mobile home park, the Tribunal administratif du logement has jurisdiction over the lease of land intended for the installation of a mobile home. Rent renews and adjusts under the Tribunal's criteria, and an adjustment item exists for snow removal costs based on the actual year-over-year variation. A tenant who refuses an increase obliges the owner to apply to have it fixed.
On resale, the buyer must take over the lease or sign a new one with the park. Its length, its rent, its rules and its assignment conditions get read before the offer, not after. It is all set out in mobile home on leased land, the lease and the Tribunal.
896 sq ft of living space, or $222 per square foot. Five rooms, two bedrooms placed at opposite ends for privacy, and one full bathroom. The seller describes a recent renovation and a bright, turnkey interior with a large living room and a kitchen offering plenty of storage.
Outside, a lawned yard with a balcony, framed by mature trees. One driveway parking space. The building is detached, built in 1981.
One point few sellers raise: a new factory-built home installed turnkey by an accredited builder is covered by the GCR warranty. A used mobile home, like this one, is not. A pre-purchase inspection is therefore not a formality: chassis, flooring, anchoring and electrical compliance each get looked at.
The team has a second mobile home for sale right now, and the comparison speaks for itself: 122 Rue Lebleu in Saint-Césaire, also two bedrooms, fully renovated in 2026, $315,000.
The $116,000 gap between the two is not explained by the home, it is explained by the ground. Saint-Césaire sits on owned land of 5,508 sq ft, with declared taxes of $1,756 a year and an ordinary mortgage available. That is exactly the demonstration of what is written above: with a mobile home, the land makes the price.
Lac-Brome had 5,923 residents at the 2021 census, up 8% since 2016, at a density of 29 people per square kilometre. The average age is 52 and 35% of the population is 65 or older, the highest share of any municipality the team works in.
That describes this home's natural buyer fairly well: someone downsizing their space and their costs without leaving the region, or someone looking for a recreational base. Nearby: golf, park, bike path, downhill and cross-country skiing, snowmobile and ATV trails, elementary and high school, daycare. Knowlton, Brome Lake and Bromont are minutes away.
The Walk Score for this address is 9, and we say so rather than leave it out: you do not come here to walk to the grocery store, you come for the space, the quiet and the outdoors. A car is necessary.
Four things to obtain, in this order: the status of the land, the lease and its rent if applicable, a written pre-approval from a lender that finances this type of property, and an inspection by someone who knows factory-built homes. We obtain the first three and we help you with the fourth.
The general framework is in buying a mobile home in Quebec in 2026. For this home's figures specifically, write to us.
Renovated turnkey, 896 sq ft of floor space.
Two bedrooms set at opposite ends, a large living room and a kitchen with generous storage. Lawned yard framed by mature trees, minutes from Knowlton and Bromont.
Description, chiffres réels et détails, envoyés par courriel.
Prix : $199,000. Ajustez la mise de fonds, le taux et l'amortissement.
