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.
Welcome to 196 Circle Rd on beautiful Lake St. Peter. A rare waterfront retreat where summer days stretch a little longer and every season brings a new adventure. Set on nearly an acre beside a quiet park, this property offers the perfect mix of privacy, year-round comfort, and endless room to enjoy the Cottage Country lifestyle to the fullest. Spend your days out on the water, evenings around the fire, and weekends exploring nearby ATV and snowmobile trails that make this an incredible four-season destination. Outdoor enthusiasts and hobbyists alike will love the massive 30' x 50' heated and insulated shop, complete with an 80,000 BTU heater and spacious loft above. There is more than enough room for boats, snowmobiles, ATVs, tools, and all the gear that comes with lake life. Inside, the home is warm, welcoming, and designed for gathering. A recently renovated kitchen anchors the main living space, while the main floor offers a comfortable primary suite and guest bedroom. Downstairs, the finished walkout basement adds two more bedrooms, a 3-piece washroom, and plenty of extra storage. The perfect setup for hosting family and friends all summer long. Built for easy, worry-free ownership, the property features a forced air furnace with heat pump, on-demand hot water, a deep drilled well, and a 14kW automatic backup generator. Step outside and soak in spectacular views across Lake St. Peter from nearly 100 feet of beautifully landscaped shoreline. Impressive stone retaining walls, a private sandy beach entry, and nearly new aluminum docks create the ultimate waterfront experience for swimming, boating, entertaining, and making unforgettable memories under the sun. Whether you are looking for a full-time waterfront home or the ultimate family getaway, 196 Circle Rd delivers everything people dream about when they picture summers at the lake.
Property Details
Listing
MLS® number
X13720232
Status
For Sale
Listed
Aug 27, 2026
Last updated
Sep 1, 2026
Possession
Flexible
Building
Type
Detached
Style
Bungalow
Approx. age
31-50
Approx. size
1,100–1,500 ft²
Basement
Walk-Out, Partially Finished
Lot
Frontage
108.87 ft
Depth
322.00 ft
Lot area
≈ 35,056 ft² (calculated)
View
East
Community
McClure Ward
Parking & utilities
Garage
Detached, Garage, 3 spaces
Driveway
Private, 10 spaces
Heating
Forced Air
Cooling
Central Air
Water / sewer
Not provided by brokerage
Taxes
Property tax
$5,668 / 2025
Condo fee
N/A
Source
Data source
TRREB (VOW feed)
Listed by
Royal LePage Real Estate Associates
Interior
Level
Room
Size
Features
Loading rooms…
Interior Features
Bedrooms above grade: 2
Bedrooms below grade: 2
Kitchens: 1 above grade
Basement: Walk-Out, Partially Finished
Heating: Forced Air
Cooling: Central Air
Fireplace: Yes
Exterior
Waterfront: Yes
Waterfront features: Direct
Pool features: None
Property features: Beach, Campground, Lake Access, Park, 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$4,961/mo
Mortgage (principal + interest)$4,489
Property taxFrom listing: $5,668/yr$472
Minimum $95,000 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$240,000
Ontario land transfer taxProvincial brackets, no first-time refund$20,475
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$263,275
First-time buyers can get up to $4,000 back on Ontario land transfer tax. Hastings Highlands 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.
