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.
COTTAGE PLUS ADDITIONAL VACANT LOT. Welcome to your own slice of Georgian Bay paradise. Tucked away on a private road and surrounded by beautifully landscaped grounds, this exceptional waterfront retreat offers the perfect blend of privacy, relaxation, and unforgettable views. From sunrise coffees to sunset evenings by the water, every inch of this property is designed to embrace the beauty of Georgian Bay living. The outdoor spaces are truly the complete package - featuring expansive waterfront decking, multiple entertaining areas, a covered gazebo for shaded summer gatherings, and a charming guest bunkie perfect for hosting family and friends. With crystal-clear waters and panoramic bay views that feel straight out of the Caribbean, this property delivers the ultimate cottage lifestyle. Inside, the home welcomes you with a bright and airy atmosphere, soaring windows that perfectly frame the breathtaking waterfront, and exposed timber accents that create an authentic cottage feel with warmth and character throughout. The updated kitchen features granite counter tops, an apron-front sink, and clean timeless finishes that complement the natural surroundings. Thoughtfully designed for comfort and convenience, the home also offers a main floor bedroom and laundry, making everyday living effortless. Whether you're looking for a year-round residence or a stunning waterfront getaway, this Georgian Bay retreat is a rare opportunity to experience exceptional shoreline living in one of Ontario's most sought-after destinations. Vacant lot next door with the fire pit and shed is being included in the price, the lot is currently separate from the cottage, it could be merged or you could re sell the lot.
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What’s NearbyDistances approximate
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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$4,148/mo
Mortgage (principal + interest)$3,741
Property taxFrom listing: $4,883/yr$407
Minimum $75,000 down for this price; the slider moves in whole percent, starting at 8%. 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$200,000
Ontario land transfer taxProvincial brackets, no first-time refund$16,475
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$219,275
First-time buyers can get up to $4,000 back on Ontario land transfer tax. Georgian Bluffs 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.
