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.
Private Waterfront Living on St. Andrews Lake! Set on more than 9 acres of wooded privacy, this exceptional off-grid chalet offers a rare opportunity to enjoy peaceful lakefront living surrounded by nature and direct K&P Trail access. With beautiful views of picturesque St. Andrews Lake, this property is ideal as a year-round home, luxury cottage, or family retreat. Inside, the warm and inviting interior has been thoughtfully updated while maintaining its character. The spacious kitchen features quality finishes, ample workspace, and a cozy wood stove, creating the perfect gathering space. The open-concept living area showcases soaring vaulted ceilings and expansive windows that frame the stunning lake views and fill the home with natural light. Updated bathrooms and a comfortable layout provide plenty of space for both relaxing and entertaining. Step outside and embrace the waterfront lifestyle with multiple decks and outdoor gathering areas overlooking the lake. Two private docks provide exceptional access to the water, including an impressive 16' x 24' dock with plenty of room for entertaining, relaxing, swimming, fishing, or enjoying your boat. Nearby recreational trails offer year-round opportunities for hiking, snowmobiling, and exploring the surrounding countryside. Privately tucked away yet designed for comfortable living, this self-sufficient property offers an exceptional escape from the everyday. An additional 28-acre parcel is available separately for those seeking even more space and opportunity. Whether you're looking for a peaceful year-round residence, a spectacular cottage, or a private family getaway, this remarkable St. Andrews Lake property delivers the perfect blend of waterfront recreation, natural beauty, privacy, and comfort.
Property Details
Listing
MLS® number
X13699002
Status
For Sale
Listed
Aug 21, 2026
Last updated
Aug 31, 2026
Possession
Flexible
Building
Type
Detached
Style
Chalet
Approx. age
6-15
Approx. size
3,000–3,500 ft²
Basement
Full, Walk-Out, Walk-Up, Finished
Lot
Frontage
379.38 ft
Depth
1203.19 ft
Lot area
≈ 456,466 ft² (calculated)
View
North
Community
45 - Frontenac Centre
Parking & utilities
Garage
Detached, Garage, 2 spaces
Driveway
Private, 10 spaces
Heating
Radiant
Cooling
None
Water / sewer
Not provided by brokerage
Taxes
Property tax
$5,089 / 2025
Condo fee
N/A
Source
Data source
TRREB (VOW feed)
Listed by
EXP REALTY, BROKERAGE
Interior
Level
Room
Size
Features
Loading rooms…
Interior Features
Bedrooms above grade: 3
Bedrooms below grade: 3
Kitchens: 1 above grade · 0 below grade
Basement: Full, Walk-Out, Walk-Up, Finished
Heating: Radiant
Cooling: None
Fireplace: Yes
Exterior
Waterfront: Yes
Waterfront features: Direct
Pool features: None
Property features: Electric Car Charger, Golf, Lake/Pond, School Bus Route, Waterfront, Wooded/Treed
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$4,895/mo
Mortgage (principal + interest)$4,470
Property taxFrom listing: $5,089/yr$424
Minimum $94,500 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$239,000
Ontario land transfer taxProvincial brackets, no first-time refund$20,375
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$262,175
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.
