Grand River, Prince Edward Island

Welcome to your dream retreat in the exclusive Grand River/Bakers Shore Road development, one of Prince Edward Islands newest luxury waterfront communities. Built in 2020 by Blue Water Development, one of PEIs top builders, this turn-key, architecturally stunning beach house offers unobstructed views of Grand River tucked into a serene community on a generous lot moments from Summerside. 38 Quincy Adams is an exceptional custom-crafted home. Engineered for quality, featuring a high-end Insulated Concrete Form (ICF) foundation with maintenance-free stone and vinyl siding. Featuring a bright and open-concept layout, the heart of the home is a modern kitchen that flows seamlessly into the inviting light-filled living room with vaulted ceilings and a propane fireplace perfect for hosting or cozy nights in. Discover 4 generously sized bedrooms including a luxurious primary suite with a private ensuite and 2 walk-in closets. A versatile bonus room above the fully finished, heated garage offers the perfect space for a fifth bedroom, home office, gym, or family room. Step outside to the covered deck overlooking the water, the perfect spot to enjoy morning coffee, BBQ or unwind while watching the seasons change. The shoreline offers endless outdoor activities such as kayaking, boating, fishing, clam digging, snowmobiling, and birdwatching. Additional highlights include plantation shutters, roller blinds, laminate flooring, ceramic tile, a ducted central heat/cooling pump and high-speed fibre optic internet. The property includes a powered detached double garage/workshop. A rare waterfront sanctuary where nature, community, and soul-deep calm converge into something truly extraordinary. This is more than a home, its a lifestyle. For your complete peace of mind this exceptional home is offered pre-inspected and surveyed, buy with confidence; extra acreage available. (id:11866)

Argyle Shore, Prince Edward Island

Looking for a cottage to call your own? This fantastic 3-bedroom, 2-bathroom family cottage is ready to be moved to the location of your choice. Featuring an inviting open-concept layout with a spacious living room and eat-in kitchen, it's the perfect space for family and friends to gather. Each of the three bedrooms offers generous space, while the two full bathrooms provide added comfort and convenience. The cottage is equipped with a heat pump for efficient year-round heating and cooling. Appliances are included, and the roof shingles were replaced in 2022, offering added peace of mind. Whether you're looking for a seasonal getaway or a cozy home, this move-in-ready cottage would be a great addition to your property. (id:11866)

Cornwall, Prince Edward Island

Welcome to 5-12 Harold Court, a spacious townhouse-style condo in Cornwall, Prince Edward Island. This 3-bedroom, 2.5-bath home offers the ease of condo living with the comfort and layout of a full-sized home, with an attached heated garage and back deck. Inside the front door, you will find a spacious and welcoming entry. Down the hall, past the main floor half bath and access to the attached heated garage, you will find the large, bright, open-concept main living space. The well-appointed kitchen features stainless steel appliances, quartz countertops, and plenty of workspace, flowing easily into the dining area with patio doors that lead to the back deck. The adjoining living room offers a comfortable space to relax or entertain, with high ceilings adding to the open and airy feel of the main floor. Upstairs, you have a spacious primary bedroom with a large walk-in closet and a beautifully finished, private ensuite bathroom. Two additional bedrooms, a second full bathroom, a laundry area, and a den/office complete the second level. Located close to schools, parks, shopping, and many other amenities, this Cornwall condo offers a practical and comfortable option just minutes from Charlottetown. (id:11866)

Westmoreland, Prince Edward Island

Discover the perfect canvas for your dream property on this beautiful 1.85-acre lot nestled in the heart of Prince Edward Island?s countryside. Surrounded by mature trees and peaceful natural surroundings, this serene parcel offers excellent potential for building, investing, or simply owning a piece of Island land in a prime location. Outdoor enthusiasts will appreciate being just 10 minutes from Brookvale Mark Arendz Ski Park, with its trails for hiking, biking, and winter skiing/snowboarding. The Westmoreland River is a short walk down the road, while the charming seaside village of Victoria by the Sea is only 15 minutes away. The community of Crapaud and local amenities are within a 10-minute drive, and the Confederation Bridge is nearby, making the lot highly accessible and centrally located. *Listing agent is related to vendor. (id:11866)

Cape Traverse, Prince Edward Island

Are you looking to build your dream home or a luxury income property, look no further than Serenity Shores! Located 5 minutes from the Confederation Bridge, Serenity Shores is nestled away in a peaceful community with breathtaking waterfront and water view lots. Conveniently close amenity?s such as gas stations, coffee shops, groceries, brewery/liquor store and more, this subdivision has it all! Serenity Shores is accessible year round with a government maintained road with lots of amenities for you and your guests. Homeowners will find themselves kayaking, canoeing, or paddle boarding on the Cape Traverse river, trail hiking through 3 kilometers of beautifully manicured man made trails with custom outdoor campfire pits, outdoor kitchen, picnic tables with water views and more! With lot sizes ranging from 1 acre too 1.9, prices for water view lots are $75,000 + HST and waterfront lots vary from $122,000 - $203000+ HST, lots are surveyed, perc tested category 1 and category 2. Covenants and restrictions are in place to protect your investment with waterfront lots featuring underground power! Call today for more information! (id:11866)

Cape Traverse, Prince Edward Island

Are you looking to build your dream home or a luxury income property, look no further than Serenity Shores! Located 5 minutes from the Confederation Bridge, Serenity Shores is nestled away in a peaceful community with breathtaking waterfront and water view lots. Conveniently close amenity?s such as gas stations, coffee shops, groceries, brewery/liquor store and more, this subdivision has it all! Serenity Shores is accessible year round with a government maintained road with lots of amenities for you and your guests. Homeowners will find themselves kayaking, canoeing, or paddle boarding on the Cape Traverse river, trail hiking through 3 kilometers of beautifully manicured man made trails with custom outdoor campfire pits, outdoor kitchen, picnic tables with water views and more! With lot sizes ranging from 1 acre too 1.9, prices for water view lots are $75,000 + HST and waterfront lots vary from $122,000 - $203000+ HST, lots are surveyed, perc tested category 1 and category 2. Covenants and restrictions are in place to protect your investment with waterfront lots featuring underground power! Call today for more information! (id:11866)

Cape Traverse, Prince Edward Island

Are you looking to build your dream home or a luxury income property, look no further than Serenity Shores! Located 5 minutes from the Confederation Bridge, Serenity Shores is nestled away in a peaceful community with breathtaking waterfront and water view lots. Conveniently close amenity?s such as gas stations, coffee shops, groceries, brewery/liquor store and more, this subdivision has it all! Serenity Shores is accessible year round with a government maintained road with lots of amenities for you and your guests. Homeowners will find themselves kayaking, canoeing, or paddle boarding on the Cape Traverse river, trail hiking through 3 kilometers of beautifully manicured man made trails with custom outdoor campfire pits, outdoor kitchen, picnic tables with water views and more! With lot sizes ranging from 1 acre too 1.9, prices for water view lots are $75,000 + HST and waterfront lots vary from $122,000 - $203000+ HST, lots are surveyed, perc tested category 1 and category 2. Covenants and restrictions are in place to protect your investment with waterfront lots featuring underground power! Call today for more information! (id:11866)

St. Peters Bay, Prince Edward Island

Welcome to a rare opportunity to own 1.47 acres of waterfront paradise overlooking the stunning waters of St. Peters Bay. With approximately 120 feet of shore frontage and gorgeous panoramic views, this beautiful property offers the perfect setting to build your dream cottage or year-round home in one of PEI's most scenic coastal regions. Mostly cleared and ready for your vision, the lot offers an ideal balance of open space and natural surroundings, allowing you to enjoy both privacy and the breathtaking beauty of the shoreline. Imagine morning coffees overlooking the bay, peaceful evenings by the water, and endless opportunities to enjoy kayaking, boating, beachcombing, and the relaxed Island lifestyle. Perfectly situated only a short drive from the incredible beaches and trails of Greenwich National Park, this property places you close to some of Prince Edward Island's most iconic natural attractions while still offering the peace and tranquility of waterfront living. Whether you are searching for a seasonal retreat, investment opportunity, or the perfect location for your forever home, this exceptional waterfront lot is ready to bring your vision to life. (id:11866)

Brudenell, Prince Edward Island

Set within a quiet enclave near the Brudenell River overlooking Dundarave Golf Course and the Rodd Brudenell Resort, 130 MacCallum Drive is a highly refined contemporary residence completed just three years ago. Offering approximately 3,397 sq. ft. of finished living space, the property includes a fully self contained upper level guest or in law residence above the attached garage with its own private entrance. The architecture balances strong contemporary lines with warm organic materials throughout. Exterior finishes include ceramic siding imported from Poland, standing seam metal roofing, and expansive triple pane European tilt and turn glazing. The front entry system was imported from Italy, while the engineered structure incorporates ICF construction reinforced using Helix micro rebar technology. Inside, the vaulted main living area unfolds beneath cathedral ceilings anchored by a custom solid wood kitchen featuring extensive oak cabinetry, Lido Quartz Calacatta Classico surfaces, premium Bosch appliances, induction cooking, integrated wine refrigeration, warming drawer, and concealed walk in pantry. The adjoining living and dining spaces are centered around a linear propane fireplace framed by integrated architectural bench alcoves, while remote controlled motorized blinds are integrated throughout the primary living areas. The main level offers three bedrooms, including two primary bedrooms with private ensuites. The main primary suite features a custom walk in wardrobe and spa inspired ensuite with heated wood grain ceramic flooring, frameless glass shower, freestanding soaking tub beneath a crystal chandelier, and floating double vanity with stone surfaces. Trillium Crema Oak engineered hardwood carries throughout the residence, while Germany imported interior doors provide exceptional sound insulation. Additional highlights include five LG heat pumps, whole home UV filtration, propane standby generator, and enlarged septic systems. (id:11866)

St. Georges, Prince Edward Island

Large mostly treed acreage, awaiting your new home or cottage. Located in the quiet area of St. Georges and only minutes to golfing, fishing, beaches and the quaint village of Cardigan. If you are looking for peaceful, country living, this is it! (id:11866)

Stratford, Prince Edward Island

Stratford home on a perfect lot in an amazing location. Pull into the circular driveway and park with easy access to the upper and lower levels. The upper level features a large dining room kitchen combination, great bright living room, 3 bedrooms and a lower level family room. Through the back entrance you will enter a nice kitchen dining area, there is a nice living room and a large bedroom. The privacy in the back yard is like living in the country. Note the property taxes are for a non resident land owner. New purchasers will require application through the Town of Stratford to have a secondary suite. (id:11866)

Victoria, Prince Edward Island

The location and possibilities don?t get much better than this. Located next to a quiet, public beach, in the heart of Victoria-by-the-Sea, 1 Nelson Street, because of it?s location has: some of the best views in the town, the flexibility to have the home be completely residential or converted 50% to commercial space, an income-generating 2 bedroom in-law suite, the charm of a century home, many modern upgrades and is ready for you to make it your own. This 3 bedroom, 1.5 bathroom home with a 2 bedroom, 1 bathroom in-law suite has seen many functional upgrades over the past several years including a new main bath, spray foam insulation in the basement, new roof, poured concrete foundation, heat pumps and new oil tank. With so many of the integral systems taken care of, you can focus on the things you want. Since 2020, the in-law suite has been rented as a long term rental but designation as a B&B was permitted in 2024 within the Village of Victoria. Properties like this don?t come up very often in the Village of Victoria, so don?t miss out on this opportunity to become part of this amazing community. Enjoy being walking distance to local amenities like Victoria Playhouse, Landmark Oyster House, Richards Victoria and Victoria Wharf. The adjoining lot is available for purchase as well for an additional cost. All measurements are estimates and should be verified by purchaser if deemed necessary. (id:11866)

North Bedeque, Prince Edward Island

Welcome to 34 Margaret Lane in Stavert Shore! This charming three-bedroom home has been tastefully updated and enjoyed as a year-round residence for the past several years. Located on a quiet private road with a mix of seasonal and year-round neighbours, it offers a landscaped and fenced yard, wired shed/workshop, firepit, and a stunning 180-degree southern facing waterview from inside where you will enjoy year- round sunset views. Recent updates include 200-amp electrical service and wiring, a heat pump, plumbing, and a roof that?s approximately eight years old. Originally built in the 1960s, the home underwent a complete renovation and addition in 1990. With its own exterior door and laundry area, the third bedroom offers the kind of flexibility island living calls for, ideal for guests, studio space, or extended stays The land is on a 50-year lease recently renewed, with an affordable annual fee of just $765. All measurements are deemed accurate but should be verified by the purchaser if important. Some photos digitally staged to show dimensions. (id:11866)

Souris, Prince Edward Island

Located in the quiet seaside town of Souris, 1 Anniversary Avenue offers updated, move-in ready living with room to grow. This bright and welcoming split-entry home features 3 bedrooms, 1 bathroom and numerous recent upgrades including new siding, updated insulation, newer roof, heat pump, modern flooring and a 200-amp panel. The lower level offers additional space ready for future development, making this an excellent option for first-time buyers or anyone looking for affordable coastal living with modern comforts. (id:11866)

Charlottetown, Prince Edward Island

Welcome to 207 Belvedere Avenue, a fantastic opportunity for investors, contractors, and first-time home buyers alike. Situated in the highly desirable community of Sherwood, this 3-bedroom, 1-bathroom home offers incredible potential and value in an exceptional location. Whether you?re looking to add to your investment portfolio, renovate and customize to your vision, or enter the housing market, this property checks all the boxes. Conveniently located close to schools, shopping, parks, public transit, and all essential amenities, you?ll appreciate both the neighborhood and the possibilities this home presents. (id:11866)

Donaldston, Prince Edward Island

170 Courts Island Rd is a waterfront oasis with a brand-new year round home plus a 3-year old, year-round guest house with an outdoor shower and 2 large 12X12 sheds and a 6X30 deck overlooking Tracadie Bay. Built by the current owner as his lifetime retreat the pride of ownership is quickly evident as you enter this beautiful home. As you enter the main house you are greeted by an open concept living room, dining area and kitchen with high cathedral ceilings and an 18000 BTU heat pump. The flooring is a water-resistant laminate floor throughout. Down the hall is a full bath and 3 full bedrooms. The Master suite has an ensuite bath and large closet. The cathedral ceilings continue throughout the house. The owner lived in the guest house year-round while constructing his new home. The new 3-bedroom 2-bath rancher has been meticulously created by its owner with high attention to detail. The guest house is a two-level home. The upper level is 24X24 and the lower level is 14X24 and could be enclosed to the full 24X24 also. This provides and additional 1074 sq ft of living space for a total of 2330 sq ft and a total 4 bedrooms and 3 baths. As you enter the guest house you step into the open concept living room, dining area and kitchen with a laundry & full bath off the kitchen. A lovely staircase takes you to a huge bedroom on the second floor with enough room for an office as well. The main house has a 200-amp service and the guest house a 100-amp service. What a perfect getaway where friends and family can come and stay with you and yet you both enjoy your own privacy. Very close to the National Park, golfing, swimming, kayaking, boating, fishing, beautiful Island beaches and shopping. (id:11866)

Oyster Bed Bridge, Prince Edward Island

Discover the perfect waterfront retreat on this stunning 1.46-acre lot ideally situated between Wheatley River and Oyster Bed Bridge on Prince Edward Island's sought-after North Shore. Offering beautiful water views and direct access to the tranquil river, this waterfront property provides a great opportunity to build your dream home, cottage, or year-round getaway. Surrounded by nature and located in one of PEI's most desirable areas, you'll enjoy the peace and privacy of waterfront living while remaining just minutes from North Shore beaches, golf courses, restaurants, boating, and all the attractions of Rustico and Cavendish. Charlottetown is only a short drive away, making this an ideal location for both seasonal and permanent living. This beautiful 1.46-acre parcel offers endless possibilities. A rare opportunity to own waterfront property in a prime PEI location. (id:11866)

Stratford, Prince Edward Island

This well-appointed 2-bedroom ground-level condo in the heart of Stratford offers an excellent opportunity for first-time buyers, investors, or those looking to enjoy easy, low-maintenance living. The thoughtfully designed layout features a spacious living room that flows effortlessly into the dining area and kitchen, and bright patio doors opening onto the ground level with some green space perfect for relaxing or entertaining. Quality finishes are showcased throughout, including elegant crown moulding in the main living spaces and granite countertops in both the kitchen and bathroom. Stainless steel appliances. New flooring and freshly painted throughout. The convenience of an in-unit stackable washer and dryer enhances the home?s functionality. Additional features include a secure entry system, a dedicated parking space, visitor parking, and a basement storage unit for added convenience. Ideally located just minutes from downtown Charlottetown and close to all amenities, this property perfectly blends comfort, style, and convenience. Walking trail, Stratford town hall, dog park, grocery stores, public transit bus stop and pharmacy all within walking distance. The monthly condo fee of $210 covers water, sewer, insurance, snow removal, lawn care, common area maintenance, and janitorial services. All measurements are approximate and should be verified by the purchaser if deemed necessary. (id:11866)

Fortune Cove, Prince Edward Island

Welcome to 21 Tranquility Lane in beautiful Fortune Cove, PEI, a property that immediately feels like a place to slow down, breathe deeper, and truly enjoy Island life. Set on just over an acre, this custom 5-year-old mini home offers privacy, comfort, and the peaceful setting so many buyers are searching for. Inside, the home features 2 large bedrooms and 2 bathrooms with a warm, inviting layout designed for easy year-round living. The screened-in three-season porch quickly becomes a favorite gathering space, perfect for morning coffee, summer dinners with family, evening conversations with friends, or simply listening to the quiet around you. Outside, there's room for everyone with extensive storage, a custom workshop, and four separate 3-way power poles already in place for RV hookups when family and guests come to visit. Adding even more appeal is deeded access to Mill River, where you can spend your days kayaking, boating, fishing, or simply enjoying the beauty of the water. Located just minutes from Mill River Golf Course and Resort, you'll also enjoy easy access to one of PEI's most well-known golf destinations, along with dining, trails, and outdoor recreation nearby. Whether you're looking for a peaceful year-round home or a relaxing Island getaway, 21 Tranquility Lane offers the kind of lifestyle many people dream of finding in PEI. (id:11866)

Monticello, Prince Edward Island

If you are looking for a place to build your hideaway home or cottage free from the distractions of the world; that safe place for you and your family, surrounded by the beauty and peace of nature and close to some of the best beaches, this 10 acres is for you. (id:11866)

Morell, Prince Edward Island

Welcome to 128 Red Head Road, an extraordinary waterfront estate where quality meets country elegance. Nestled on 20 pristine acres with over 720 feet of private shoreline, this magnificent 3-bedroom, 4-bathroom residence embodies refined rural living at its finest, offering sweeping panoramic views and world-class equestrian amenities. Upon arrival, the grandeur begins with a 36'x28' heated, powered garage, complemented by an impressive 34'x48' + 32'x15'10" barn featuring multiple stalls and direct access to 8 acres of fully fenced paddocks - a dream come true for horse lovers. Step inside and be welcomed by a spacious foyer leading to the attached heated garage, complete with a utility room, half bath, and washer/dryer. The heart of the home is the great room, where soaring ceilings and floor-to-ceiling windows bathe the space in natural light. Here, custom cabinetry, a two-tier island, and a sandstone-hearth propane fireplace create a warm yet sophisticated atmosphere. The open layout flows effortlessly to the outdoor sitting area and the tranquil sunroom, designed for comfort with insulated walls, vinyl windows, and breathtaking views of the bay. The primary suite is a serene retreat, featuring a private entrance to the sunroom, walk-in closet, ensuite with double vanity, laundry area, and its own heat pump. Upstairs, two elegant bedrooms share a Jack & Jill bathroom; one opens to a private balcony overlooking the shimmering water. A dedicated office and generous storage complete this level. Every detail has been meticulously designed for comfort and performance, including geothermal heating and cooling, generator hookup, ultraviolet water purification, 200-amp electrical service, and provisions for additional underground power lines. A rare offering of beauty, function, and serenity - 128 Red Head Road is more than a home; it's a lifestyle defined by sophistication, space, and peace. (All measurements approximate; buyers to verify.). (id:11866)

Cornwall, Prince Edward Island

Welcome to 45-47 Samantha Lane, a brand-new duplex in the growing Scottsview Meadows subdivision in Cornwall, PEI. Built by a respected local builder, this property is an excellent opportunity for investors, multi-generational families, or buyers looking to offset ownership costs with rental income. Each unit offers 3 bedrooms, 2 bathrooms, and approximately 1,278 sq. ft. of finished living space (+ garage). The bright open-concept layout is highlighted by a vaulted ceiling that enhances the spacious main living area. Modern kitchens feature stylish finishes and backsplashes, while the living rooms include beautiful shiplap electric fireplaces. Both units offer functional floor plans that appeal to a wide range of buyers and tenants. The primary bedrooms feature walk-in closets and private ensuites, while the attached heated garage provide added convenience, storage, and year-round comfort. Situated on a fully serviced lot with municipal water and sewer, this property is located in a family-friendly neighbourhood just minutes from schools, parks, shopping, recreation facilities, and everyday amenities. Charlottetown is only a short drive away. Protective covenants help maintain the quality and character of the community while safeguarding your investment. Whether you're looking to expand your portfolio, live in one unit and rent the other, or secure a versatile income-producing property, this duplex offers outstanding value in desirable Cornwall. Designed with energy efficiency in mind, the home is projected to achieve an EnerGuide rating of 50 GJ/year, performing approximately 34% better than a comparable code-built home. Estimated annual operating costs are approximately $1,946, resulting in potential energy savings of over $1,000 per year. The home is expected to qualify for a 15% mortgage insurance premium refund, subject to lender and insurer requirements. Construction is anticipated to be completed in late 2026. Taxes and assessments are t (id:11866)

Cornwall, Prince Edward Island

Welcome to 39-41 Samantha Lane, a brand-new duplex in the growing Scottsview Meadows subdivision in Cornwall, PEI. Built by a respected local builder, this property is an excellent opportunity for investors, multi-generational families, or buyers looking to offset ownership costs with rental income. Each unit offers 3 bedrooms, 2 bathrooms, and approximately 1,278 sq. ft. of finished living space (+ garage). The bright open-concept layout is highlighted by a vaulted ceiling that enhances the spacious main living area. Modern kitchens feature stylish finishes and backsplashes, while the living rooms include beautiful shiplap electric fireplaces. Both units offer functional floor plans that appeal to a wide range of buyers and tenants. The primary bedrooms feature walk-in closets and private ensuites, while the attached heated garage provide added convenience, storage, and year-round comfort. Situated on a fully serviced lot with municipal water and sewer, this property is located in a family-friendly neighbourhood just minutes from schools, parks, shopping, recreation facilities, and everyday amenities. Charlottetown is only a short drive away. Protective covenants help maintain the quality and character of the community while safeguarding your investment. Whether you're looking to expand your portfolio, live in one unit and rent the other, or secure a versatile income-producing property, this duplex offers outstanding value in desirable Cornwall. Designed with energy efficiency in mind, the home is projected to achieve an EnerGuide rating of 50 GJ/year, performing approximately 34% better than a comparable code-built home. Estimated annual operating costs are approximately $1,946, resulting in potential energy savings of over $1,000 per year. The home is expected to qualify for a 15% mortgage insurance premium refund, subject to lender and insurer requirements. Construction is anticipated to be completed in late 2026. Taxes and assessments are t (id:11866)

Cornwall, Prince Edward Island

Welcome to 41 Samantha Lane, a beautifully crafted new construction home in the well-established and growing Scottsview Meadows subdivision in Cornwall, Prince Edward Island. Built by a respected local builder recognized for quality workmanship and attention to detail, this 3-bedroom, 2-bathroom home offers the perfect combination of style, comfort, and functionality. Designed with modern living in mind, the bright open-concept layout features a stunning vaulted ceiling that enhances the spacious feel of the main living area. The well-appointed kitchen showcases contemporary finishes, including a stylish backsplash, while the inviting living room is anchored by a charming shiplap fireplace, creating a warm and welcoming space to relax or entertain. Offering convenient one-level living, this thoughtfully designed floor plan is ideal for families, retirees, first-time homebuyers, or investors seeking a quality rental property. Situated on a fully serviced lot with municipal water and sewer, the home is in a growing, family-friendly community just minutes from schools, parks, shopping, and everyday amenities, with Charlottetown only a short drive away. Protective covenants are in place to maintain the quality and character of the neighbourhood while helping to protect your investment. This is an excellent opportunity to own a brand-new home in one of PEI's most desirable communities. Taxes and assessments are to be determined. All measurements are approximate and should be verified by purchasers if deemed necessary. Designed with energy efficiency in mind, this home is projected to achieve an EnerGuide rating of 50 GJ/year, performing approximately 34% better than a comparable code-built home. Based on the energy assessment, estimated annual operating costs are $1,946, resulting in potential energy savings of approximately $1,000+ per year. The home is expected to be eligible for a 15% mortgage insurance premium refund, subject to lender and insu (id:11866)