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.
Visit the REALTOR website for further information about this listing. A rare opportunity to own a slice of paradise on the stunning St. Lawrence River for under $1 million. This beautifully updated turnkey waterfront property offers comfort, versatility, and unforgettable outdoor living-ideal as a year-round home, vacation retreat, or income-generating investment. Designed to maximize its breathtaking waterfront setting, this exceptional property features a 12x40 dock, sandy beach, expansive 16x32 shoreline deck, covered patio, and a separate 1-bedroom bunkhouse with its own private deck-creating multiple spaces to relax, entertain, and enjoy panoramic river views. The charming bungalow offers approximately 854 sq. ft. of thoughtfully designed main-level living space with elegant, beach-inspired décor and river elements woven throughout. The fully renovated kitchen and bathroom (2021) combine modern convenience with timeless style. The open-concept kitchen and living area flow seamlessly into the adjoining sunroom, complete with built-in seating, bar area, and stunning year-round views. A propane fireplace efficiently heats the main living space, while the functional bedroom includes storage and an in-closet washer/dryer. The updated bathroom features a stand-up shower and stylish finishes. The fully finished lower level offers incredible flexibility with potential for a separate suite. It includes a large rec room currently used as a studio-style sleeping space, kitchenette, 4-piece bath, and propane stove for efficient heating. Ideal for extended family or guests, it could also be transformed into a spacious primary retreat with walk-in closet and spa-inspired ensuite. The detached bunkhouse adds even more possibilities perfect as a guest suite, home office, creative studio, or additional income opportunity. Previously used as a long-running hair salon, it offers a 1-bedroom layout with two separate bathrooms for added functionality and privacy.
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What’s NearbyDistances approximate
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Estimated Rental Income
Rental estimate coming soon
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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$3,926/mo
Mortgage (principal + interest)$3,550
Property taxFrom listing: $4,507/yr$376
Minimum $69,900 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$189,800
Ontario land transfer taxProvincial brackets, no first-time refund$15,455
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$208,055
First-time buyers can get up to $4,000 back on Ontario land transfer tax. Edwardsburgh/Cardinal 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.
