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 the kind of cottage that makes it easy to enjoy life at the lake in every season. Set on 240 feet of waterfront on peaceful Baby Lake, this inviting one-level getaway offers an easygoing lifestyle with the bonus of deeded access to a dock on nearby Clear Lake, giving you the best of both worlds. Enjoy the quiet charm of a smaller lake for paddling, swimming and skating in the colder months, then head over to Clear Lake for bigger boating adventures and excellent fishing. When winter arrives, a nearby OFSC snowmobile trail opens the door to miles of trail riding from the property. Inside, soaring cathedral ceilings and an impressive expanse of windows fill the open-concept living spaces with natural light and provide elevated lake views. With three bedrooms and two bathrooms, this year-round home or cottage offers space for family and friends, while the screened Muskoka Room provides a comfortable spot for morning coffee, board games, or relaxing after a day outdoors. Stone steps lead to the shoreline where you'll find a dock ready for swimming, paddling, fishing and enjoying the changing seasons, along with a small sandy entry that's perfect for kids to splash and explore. An oversized detached garage offers plenty of room for vehicles, winter boat storage, water toys and cottage gear, and the level approach to the property makes arrivals and unloading refreshingly easy. Being sold mostly turn-key, you can start enjoying cottage life from day one without the expense and hassle of furnishing a second home. You can update and personalize the property over time, making it an exciting chance to create a place that reflects your family's style and traditions. If you've been waiting for waterfront property that works just as well for summer on the water as it does for fall weekends, winter snowmobiling and springtime at the lake, this could be the start of your next chapter.
Property Details
Listing
MLS® number
X13843174
Status
For Sale
Listed
Sep 30, 2026
Last updated
Oct 6, 2026
Possession
Flexible
Building
Type
Detached
Style
Bungalow
Approx. age
Not provided by brokerage
Approx. size
1,500–2,000 ft²
Basement
Separate Entrance, Partial Basement, Unfinished
Lot
Frontage
240.00 ft
Depth
260.00 ft
Lot area
≈ 62,400 ft² (calculated)
View
North
Community
Seguin
Parking & utilities
Garage
Detached, Garage, 2 spaces
Driveway
Private, 8 spaces
Heating
Forced Air
Cooling
None
Water / sewer
Not provided by brokerage
Taxes
Property tax
$3,155 / 2025
Condo fee
N/A
Source
Data source
TRREB (VOW feed)
Listed by
Harvey Kalles Real Estate Ltd.
Interior
Level
Room
Size
Features
Loading rooms…
Interior Features
Bedrooms above grade: 3
Kitchens: 1 above grade
Basement: Separate Entrance, Partial Basement, Unfinished
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$3,611/mo
Mortgage (principal + interest)$3,348
Property taxFrom listing: $3,155/yr$263
Minimum $64,500 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$179,000
Ontario land transfer taxProvincial brackets, no first-time refund$14,375
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$196,175
First-time buyers can get up to $4,000 back on Ontario land transfer tax. Seguin 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.
