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.
Unique opportunity to own waterfront property minutes from Stirling, ON on pristine Oak Lake which is a spring fed lake located just 15 min north of Belleville/Trenton from Hwy 401. The home is well insulated and has a propane fireplace for main heat source and ambiance with additional backup baseboard heaters for keeping cozy in the winter months. The waterfront has a sandy bottom and your own private dock. The large picture window in the dining area boasts beautiful waterfront views and a sliding door exits to the side patio. The kitchen has a large centre island and lots of cupboards for storage with a showpiece stainless steel range hood. The custom countertops add to the modern rustic style. Many improvements include new owned water heater (2023), white fridge (2024), water intake system (2024) stainless steel range hood (2025) and washing machine. Primary bedroom has 2 windows and wall to wall closet for plenty of storage. There are 2 sheds (8x10 + 10 x 12) and high-speed internet. This property is part of a corporation in which each owner has a share in the corporation and shares in the 2 fields out front in addition to the lot the home is on that is 50 x 106 ft. The PIN #represents the entire 21 lot corporation holding. The property has an irregular lot that includes acreage on the opposite side of access road to the property for plenty of parking ora garage or RV parking. The annual property taxes are only $578 as this property of part of a corporation of 21 lots each owning 1 part 1 common share. The corporation provides snow removal and private year-round road maintenance for only $350. Great potential for adding onto primary residence or raising it and adding a basement. Experience "semi off grid" tranquility being lakeside offers with a full share in 10 private acres on the lake and sole ownership of your house and lot. Enjoy breathtaking sunsets and campfires by the water everyday. Remember, if you love it you better put an offer on it!!
Property Details
Listing
MLS® number
X13164366
Status
For Sale
Listed
May 22, 2026
Last updated
Aug 14, 2026
Possession
Flexible
Building
Type
Detached
Style
Bungalow
Approx. age
51-99
Approx. size
700–1,100 ft²
Basement
Crawl Space, Development Potential
Lot
Frontage
50.00 ft
Depth
106.00 ft
Lot area
≈ 5,300 ft² (calculated)
View
West
Community
Sidney Ward
Parking & utilities
Garage
None, 0 spaces
Driveway
5 spaces
Heating
Baseboard
Cooling
Window Unit(s)
Water / sewer
Not provided by brokerage
Taxes
Property tax
$578 / 2025
Condo fee
N/A
Source
Data source
TRREB (VOW feed)
Listed by
NEW ERA REAL ESTATE
Interior
Level
Room
Size
Features
Loading rooms…
Interior Features
Bedrooms above grade: 2
Kitchens: 1 above grade
Basement: Crawl Space, Development Potential
Heating: Baseboard
Cooling: Window Unit(s)
Fireplace: Yes
Fireplaces: 1
Exterior
Waterfront: Yes
Waterfront features: Direct
Pool features: None
Property features: Beach, Lake Access, Lake/Pond, Place Of Worship, School Bus Route, 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$1,842/mo
Mortgage (principal + interest)$1,794
Property taxFrom listing: $578/yr$48
Minimum $23,975 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$95,900
Ontario land transfer taxProvincial brackets, no first-time refund$6,065
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$104,765
First-time buyers can get up to $4,000 back on Ontario land transfer tax. Quinte West 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.
