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 your turnkey waterfront retreat in the heart of Tobermory! Renovated, fully furnished, and move-in ready! This 4-season home/cottage offers the perfect opportunity for those seeking a family getaway, short-term rental / investment property or peaceful Bruce Peninsula escape. Set on a 66' x 165' waterfront lot in protected Hay Bay with easy access to Lake Huron, this property delivers the waterfront lifestyle buyers dream about! The shoreline is ideal for all ages, feat. a shallow swimming area perfect for children, and deeper water off the dock for kayaking, paddleboarding, or small boats. Spend your days exploring the bay, relaxing by the water, or enjoying spectacular sunsets and world-famous Dark Sky stargazing around the campfire. Offering 1,080sq.ft. of beautifully updated living space, the home was extensively renovated in 2021 with major upgrades incl. a new drilled well, septic system, plumbing, electrical, interior finishes, furnishings, and more. The bright and stylish interior features 3 bedrooms, 2 bathrooms. A cozy fireplace that creates the perfect atmosphere, heat pump units provide efficient heating/cooling for year-round comfort, while the UV water treatment offers added peace of mind. The open-concept layout is designed for entertaining and relaxing, with stunning bay views from the main living space, dining area, and large deck. Whether preparing meals indoors or barbecuing outside, the waterfront backdrop makes every gathering memorable. Outside, the low-maintenance property allows more time for recreation and less time working. The detached garage provides excellent storage, workshop, or games room potential, while the greenhouse and elevated bunkie add extra charm and versatility. Located on a paved year-round road, you can bike into town for local amenities. Enjoy nearby access to the Bruce Trail, pickleball court, parks and all the outdoor recreation the Bruce Peninsula is known for. Start making unforgettable waterfront memories!
Property Details
Listing
MLS® number
X13105068
Status
For Sale
Listed
May 8, 2026
Last updated
Jul 29, 2026
Possession
90+ days
Building
Type
Detached
Style
Bungalow
Approx. age
51-99
Approx. size
700–1,100 ft²
Basement
Partial Basement, Unfinished
Lot
Frontage
66.00 ft
Depth
165.00 ft
Lot area
≈ 10,890 ft² (calculated)
View
South
Community
Northern Bruce Peninsula
Parking & utilities
Garage
Detached, Garage, 1 space
Driveway
Private, 3 spaces
Heating
Heat Pump
Cooling
Wall Unit(s)
Water / sewer
Not provided by brokerage
Taxes
Property tax
$2,831 / 2026
Condo fee
N/A
Source
Data source
TRREB (VOW feed)
Listed by
RE/MAX Grey Bruce Realty Inc.
Interior
Level
Room
Size
Features
Loading rooms…
Interior Features
Bedrooms above grade: 3
Kitchens: 1 above grade
Basement: Partial Basement, Unfinished
Heating: Heat Pump
Cooling: Wall Unit(s)
Fireplace: Yes
Fireplaces: 1
Exterior
Waterfront: Yes
Waterfront features: Direct
Pool features: None
Property features: Lake Access, School, 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$3,225/mo
Mortgage (principal + interest)$2,989
Property taxFrom listing: $2,831/yr$236
Minimum $54,900 down for this price; the slider moves in whole percent, starting at 7%. 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$159,800
Ontario land transfer taxProvincial brackets, no first-time refund$12,455
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$175,055
First-time buyers can get up to $4,000 back on Ontario land transfer tax. Northern Bruce Peninsula 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.
