The trademarks MLS®, Multiple Listing Service®, and the associated logos are owned by the Canadian Real Estate Association (CREA) and identify the quality of services provided by real estate professionals who are members of CREA. Listing data provided by the Toronto Regional Real Estate Board (TRREB). Data is deemed reliable but not guaranteed.
Resplendent Four-season Waterfront Retreat! Imagine finding your piece of heaven in this stunning 4 bedroom, 2.5 bathroom cottage nestled on the breathtaking Little Mississagagon Lake in Cloyne, On. This isn't just any cottage; it's a turnkey, year-round haven set against the backdrop of pristine, clear waters that sparkle like diamonds. You'll spend your days surrounded by nature, enjoying the spectacular, uninterrupted views of Crown land. This four-season retreat offers everything you could possibly desire for relaxation and fun, featuring ample entertaining spaces for family and friends. Interior highlights include an exclusive retreat with a primary bedroom that features an en-suite bathroom and private balcony overlooking the lake. 2 additional bedrooms with 2nd - 4 piece bathroom. A separate kitchen boasts a breakfast bar and all the modern amenities, flowing into the dining room and the living room. The living room features a cozy propane fireplace and a convenient walk-out to the lakeside deck, providing spectacular lake views. The lower level is dedicated to comfort and utility, offering a cozy family room with a second propane fireplace, an extra-large bedroom, walk-out to waterfront and a laundry room with abundant storage space for all your cottage toys. Gather around the lakeside fire-pit on cozy evenings or inside by one of the propane fireplaces, close to all amenities yet surrounded by lush greet spaces for everyone to enjoy. This is the ideal getaway spot or forever home.
Property Details
Listing
MLS® number
X14090626
Status
For Sale
Listed
Oct 16, 2026
Last updated
Oct 17, 2026
Possession
30-59 days
Building
Type
Detached
Style
Bungalow-Raised
Approx. age
31-50
Approx. size
1,100–1,500 ft²
Basement
Full, Walk-Out, Finished
Lot
Frontage
230.00 ft
Depth
282.00 ft
Lot area
≈ 64,860 ft² (calculated)
View
North
Community
53 - Frontenac North
Parking & utilities
Garage
None, 0 spaces
Driveway
Front Yard Parking, Private, 4 spaces
Heating
Forced Air
Cooling
Central Air
Water / sewer
Not provided by brokerage
Taxes
Property tax
$3,396 / 2025
Condo fee
N/A
Source
Data source
TRREB (VOW feed)
Listed by
Royal LePage ProAlliance Realty
Interior
Level
Room
Size
Features
Loading rooms…
Interior Features
Bedrooms above grade: 3
Bedrooms below grade: 1
Kitchens: 1 above grade
Basement: Full, Walk-Out, Finished
Heating: Forced Air
Cooling: Central Air
Fireplace: Yes
Fireplaces: 2
Exterior
Waterfront: Yes
Waterfront features: Direct
Pool features: None
Property features: Lake/Pond, Place Of Worship, Rec./Commun.Centre, School Bus Route, Terraced, Waterfront
Demographic data is not available for this area yet.
Population—
Median household income—
Median age—
Age Groups
Age group data is not available.
Owners vs Renters
Ownership data is not available.
Household Type
Household data is not available.
What’s NearbyDistances approximate
No nearby school data is available for this listing.
Transit score information is not available for this listing.
Nearby everyday places are not available for this listing.
Always confirm school catchments with the local school board.
Estimated Rental Income
Rental estimate coming soon
We’re not showing a number until we have a data source we trust. When it’s connected, this section will show:
A monthly rent range from nearby leased homes of the same type and size
The leased comparables behind it (signed-in, VOW-gated)
Gross yield at the current list price
Monthly Cost
A quick estimate to plan with. Taxes come from the listing; change the other inputs to match your situation.
Estimated monthly$3,272/mo
Mortgage (principal + interest)$2,989
Property taxFrom listing: $3,396/yr$283
Minimum $54,900 down for this price; the slider moves in whole percent, starting at 7%. Under 20% adds mortgage default insurance. Confirm with a lender.
Mortgage uses Canadian semi-annual compounding. Houses-Gate doesn’t offer financing.
Estimated Budget
About how much cash you’ll need on closing day, besides the mortgage.
Down payment20% of the list price$159,800
Ontario land transfer taxProvincial brackets, no first-time refund$12,455
Legal fees & disbursementsTypical range $1,800–$2,800$1,800
Home inspectionTypical range $500–$800$600
Title insuranceTypical range $300–$600$400
Cash needed at closingEstimate$175,055
First-time buyers can get up to $4,000 back on Ontario land transfer tax. Frontenac has no municipal land transfer tax (Toronto does).
Uses Ontario’s land transfer tax brackets and the down payment set in Monthly Cost. Legal, inspection and title-insurance figures are typical ranges, not quotes.
Listing data is provided under copyright by the Toronto Regional Real Estate Board (TRREB). The data is deemed reliable but is not guaranteed to be accurate. The trademarks MLS®, Multiple Listing Service®, and the associated logos are owned by the Canadian Real Estate Association (CREA) and identify the quality of services provided by real estate professionals who are members of CREA.
The information provided herein must only be used by consumers that have a bona fide interest in the purchase, sale, or lease of real estate and may not be used for any commercial purpose or any other purpose.
All information deemed reliable but not guaranteed. All properties are subject to prior sale, change, or withdrawal. Neither listing broker(s) nor HousesGate shall be responsible for any typographical errors, misinformation, misprints, and shall be held totally harmless.
