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.
99 Teddy Bear Lane - Your Berford Lake Escape Where cottage ownership is all about embracing the waterfront Lake Life lifestyle. Tucked along the desirable North Shore of Berford Lake and neighbouring Grey Sauble Conservation land, this charming retreat offers wonderful privacy, peaceful surroundings and plenty of reasons to spend your days outdoors. Start your mornings with coffee on the covered porch as the sun rises over the lake, then head down to your personal dock for a day on the water. Berford Lake's calm waters are ideal for swimming, kayaking, paddleboarding and boating, while anglers will appreciate the excellent fishing for pike, small mouth bass and perch. When the day winds down, gather around the large fire pit, relax by the shoreline and enjoy everything that makes cottage life so special. While the interior is quaint, adorable and welcoming, the outdoor lifestyle is the real star here. Plenty of room for barbecuing, dining and relaxing with family and friends. Inside, the vaulted ceiling adds character and an airy feel to the cozy living space, complete with a queen-size sofa bed for extra guests. A cozy bunkie provides additional guest space. The refreshed kitchen is ready for easy cottage entertaining, and a brand-new septic system has been installed along with a new bathroom vanity and toilet. (2026) Beyond the lake, adventure is never far away. Bruce Trail hiking access is just a 10-minute drive, Sauble Beach is approximately 25 minutes away, and Tobermory is about 45 minutes away, putting some of the Bruce Peninsula's best destinations within easy reach. Whether it's casting a line from your dock, paddling across the lake, hiking the Bruce Trail, gathering around the campfire or simply enjoying a quiet sunrise, 99 Teddy Bear Lane isn't just a cottage-it's your opportunity to own the Lake Life lifestyle.
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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$1,953/mo
Mortgage (principal + interest)$1,683
Property taxFrom listing: $3,240/yr$270
Minimum $22,495 down for this price; the slider moves in whole percent, starting at 5%. 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$89,980
Ontario land transfer taxProvincial brackets, no first-time refund$5,473
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$98,253
First-time buyers can get up to $4,000 back on Ontario land transfer tax. South 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.
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