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.
WATERFRONT COTTAGE LIFE AWAITS! Get ready to enjoy life by the lake, with campfires, get-togethers, barbecues and stargazing! Located in protected Warner Bay, you'll love the gradual access to Lake Huron, perfect for swimming and kayaking. Soak in the sunsets on the water-side deck or laze in the hammock listening to the waves... Ahhh life by the lake. This property offer 137 ft. of shoreline, sited on a paved year-round road located within 10 minute drive to Tobermory and amenities. A perfect location for your lakeside getaway with privacy from mature, evergreen trees. The kids or guests will love the detached guest quarters - play games or sleep with lake views in the Bunkie, while you can enjoy treed views from the Cabin. The detached garage offers a workshop, as well as a separate storage bay for toys, bikes or small watercraft - both with concrete floor and roll up doors. The main cottage features 3 bedrooms and a 4Pc bathroom across 932 sq.ft. A true Tobermory Ralph cottage with features such as hardwood flooring, vaulted ceilings, exposed beams, open concept living area and built-in storage. The shore stone fireplace anchors the living room, while the large window in the dining area affords plenty of natural light and stunning lake views. Many updates such as the kitchen and bathroom to modernize the space and add additional functionality to your stay. The sunroom off the primary bedroom is the perfect place to enjoy morning coffee. Only a short drive away to popular recreational activities and locations such as The Grotto, Singing Sands Beach, Dunks Bay beach, The Bruce Trail, Pickleball courts or the Chi-Cheemaun ferry to Manitoulin Island. Enjoy Tobermory amenities, shops, restaurants and don't forget your ice cream! Memories are just waiting to be made...
Property Details
Listing
MLS® number
X13493034
Status
For Sale
Listed
Jun 25, 2026
Last updated
Jul 28, 2026
Possession
Flexible
Building
Type
Detached
Style
Bungalow
Approx. age
51-99
Approx. size
700–1,100 ft²
Basement
Separate Entrance, Crawl Space
Lot
Frontage
131.29 ft
Depth
289.26 ft
Lot area
≈ 37,977 ft² (calculated)
View
South
Community
Northern Bruce Peninsula
Parking & utilities
Garage
Detached, Garage, 1 space
Driveway
Private, 4 spaces
Heating
Baseboard
Cooling
None
Water / sewer
Not provided by brokerage
Taxes
Property tax
$3,469 / 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: Separate Entrance, Crawl Space
Heating: Baseboard
Cooling: None
Fireplace: Yes
Exterior
Waterfront: Yes
Waterfront features: Direct
Pool features: None
Property features: Lake Access, Level, Part Cleared, Rolling, 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$3,001/mo
Mortgage (principal + interest)$2,712
Property taxFrom listing: $3,469/yr$289
Minimum $47,500 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$145,000
Ontario land transfer taxProvincial brackets, no first-time refund$10,975
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$158,775
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.
