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.
If you've seen this cottage listed before, you may have wondered why. Not every sale begins with a seller who needs to move. For this owner, it began with a dream fulfilled: a cottage where she could vacation, work remotely and spend more time by the lake. As she enters motherhood, her priorities have changed. Now it's someone else's turn to enjoy what she created. Extensive exterior improvements over the past few years, including approximately $25,000 invested in improvements and landscaping, complement a level lot, an expansive backyard and unobstructed northeast views across Dickey Lake. Keep your boat at the dock, paddleboard through the quiet bay or wade in from the shallow shoreline, with deeper water toward the dock's end. Evenings are for stargazing from the hot tub and s'mores around the lakeside fire pit.This four-bedroom, 1.5-bathroom cottage offers year-round comfort with main-floor laundry, a propane fireplace, high-efficiency furnace, central vacuum, keyless entry and 200-amp service. A drilled well, septic system and comprehensive UV, iron and carbon water filtration system support everyday living.The lower-level walkout brings everyone together as an additional lounge space with a pool table, bar, wine fridge, projector screen and entertainment area. All interior furniture is included, making the transition from closing day to cottage weekend an easy one. An easy two-hour drive from Toronto, with access from a paved year-round road. With no current municipal short-term rental licensing requirements, there's an opportunity to generate income between your own stays and enjoy the property throughout the seasons. Bring your bags, stock the fridge and settle into lake life.
Property Details
Listing
MLS® number
X13743732
Status
For Sale
Listed
Sep 3, 2026
Last updated
Oct 26, 2026
Possession
Immediate
Building
Type
Detached
Style
2-Storey
Approx. age
Not provided by brokerage
Approx. size
1,100–1,500 ft²
Basement
Finished with Walk-Out
Lot
Frontage
107.66 ft
Depth
276.17 ft
Lot area
≈ 29,732 ft² (calculated)
View
East
Community
Lake Ward
Parking & utilities
Garage
None, 0 spaces
Driveway
6 spaces
Heating
Forced Air
Cooling
Other, Window Unit(s)
Water / sewer
Not provided by brokerage
Taxes
Property tax
$3,910 / 2026
Condo fee
N/A
Source
Data source
TRREB (VOW feed)
Listed by
KELLER WILLIAMS INNOVATION REALTY
Interior
Level
Room
Size
Features
Loading rooms…
Interior Features
Bedrooms above grade: 4
Kitchens: 1 above grade
Basement: Finished with Walk-Out
Heating: Forced Air
Cooling: Other, Window Unit(s)
Fireplace: Yes
Fireplaces: 1
Exterior
Waterfront: Yes
Waterfront features: Direct
Pool features: None
Property features: Clear View, Lake Access, Lake/Pond, 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$3,693/mo
Mortgage (principal + interest)$3,367
Property taxFrom listing: $3,910/yr$326
Minimum $65,000 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$180,000
Ontario land transfer taxProvincial brackets, no first-time refund$14,475
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$197,275
First-time buyers can get up to $4,000 back on Ontario land transfer tax. Marmora and Lake 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.
