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.
Your St. Joseph Island Retreat Awaits! Tucked along a quiet, desirable stretch of year-round road, this three-bedroom cottage offers a rare combination of privacy, access to the water nearby, and small-town convenience - just five minutes from Richards Landing on beautiful St. Joseph Island. Settle in and enjoy the passing freighters in the shipping channel, or spend the day a short walk away at the boat launch with sandy swimming on township property. Set on 131 feet of frontage, the property is shaded by mature trees and offers plenty of room to spread out, with storage sheds in the back for all your gear and equipment. The cottage is partially finished inside, giving a buyer the opportunity to complete it to their own taste. A drilled well with submersible pump is already in place, and a woodstove paired with electric heat keeps things cozy. Currently set up for three-season use with an outhouse and sinks draining to the sandy soil, the property offers a clear path to year-round living with the addition of a septic system beside the large deck towards the road. Furnishings are included with a few exceptions, and some equipment is also available and negotiable with purchase - making this an easy getaway from day one. With economical taxes, it's a smart option whether you're looking for a seasonal escape or a project you want to turn into a full-time home in the country.
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What’s NearbyDistances approximate
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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$704/mo
Mortgage (principal + interest)$636
Property taxFrom listing: $820/yr$68
Minimum $8,495 down for this price; the slider moves in whole percent, starting at 5%. 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$33,980
Ontario land transfer taxProvincial brackets, no first-time refund$1,424
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$38,204
First-time buyers can get up to $4,000 back on Ontario land transfer tax. St. Joseph 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.
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