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.
25 Island 20C-Horse Island. Experience the best of Georgian Bay living at this exceptional turnkey waterfront retreat. Set on a private 1.5-acre lot with 213 feet of pristine shoreline this property offers a rare combination of easy access, outstanding boating and a beautiful north-facing sand beach perfect for swimming, relaxing and family enjoyment. Conveniently located with quick access from nearby marinas, the property features a deep-water dock that easily accommodates both large and small boats making it an ideal base for exploring the world-renowned waters of Georgian Bay. Inside the cottage is thoughtfully designed for comfortable waterfront living. The open-concept kitchen and dining area flow seamlessly into a welcoming sunken living room creating the perfect gathering space for family and friends. Large windows bring in natural light and showcase the surrounding natural beauty. Offering three bedrooms and two full bathrooms there is plenty of room for family and guests. The cottage is being offered turnkey (see chattels list), allowing you to move in and begin enjoying cottage life immediately without the hassle of furnishing or outfitting the property. Whether you're looking for a peaceful family retreat, a boating paradise or a place to create lasting memories on Georgian Bay this well-maintained waterfront property delivers an exceptional opportunity in one of Ontario's most sought-after cottage destinations.
Property Details
Listing
MLS® number
X13483332
Status
For Sale
Listed
Jun 24, 2026
Last updated
Sep 2, 2026
Possession
Flexible
Building
Type
Detached
Style
Bungalow
Approx. age
31-50
Approx. size
1,500–2,000 ft²
Basement
Crawl Space, Unfinished
Lot
Frontage
213.00 ft
Depth
505.00 ft
Lot area
≈ 107,565 ft² (calculated)
View
South
Community
Carling
Parking & utilities
Garage
Other, 0 spaces
Driveway
None, 0 spaces
Heating
Baseboard
Cooling
None
Water / sewer
Not provided by brokerage
Taxes
Property tax
$3,571 / 2026
Condo fee
N/A
Source
Data source
TRREB (VOW feed)
Listed by
Royal LePage Team Advantage Realty
Interior
Level
Room
Size
Features
Loading rooms…
Interior Features
Bedrooms above grade: 3
Kitchens: 1 above grade
Basement: Crawl Space, Unfinished
Heating: Baseboard
Cooling: None
Fireplace: Yes
Exterior
Waterfront: Yes
Waterfront features: Direct
Pool features: None
Property features: Island, Level, Marina, 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$3,941/mo
Mortgage (principal + interest)$3,644
Property taxFrom listing: $3,571/yr$298
Minimum $72,400 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$194,800
Ontario land transfer taxProvincial brackets, no first-time refund$15,955
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$213,555
First-time buyers can get up to $4,000 back on Ontario land transfer tax. Carling 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.
