29 Kilty Bay Road, Georgian Bay, ON P0C 1H0
Georgian Bay, ON P0C 1H0
Quick cost estimateKnown monthly subtotal$3,728.06 / monthLand transfer tax $11,455One-time estimate
Quick cost estimate
$3,728.06 / monthKnown monthly subtotal
- Mortgage principal & interest
- $3,484.98
- Property tax / month
- $243.08
- Maintenance / month
- Period / amount not reported
Assumes 20% down, 5% annual interest and 25-year amortization. Illustrative rate, not a current quote.
Unknown expenses excluded. Mortgage insurance and closing costs are excluded; add insurance and utilities in the assumptions.
Land transfer tax · one time
- Transfer tax total
- $11,455
Before rebates, surcharges and fees. Not part of the monthly subtotal.
Tax assumptions & breakdown
Toronto municipal land transfer tax does not apply to this listing outside the City of Toronto.
- Ontario tax
- $11,455
- Toronto municipal tax
- $0
Current purchase scenario, before rebates, foreign-buyer taxes and fees. Confirm residence classification. Not historical tax paid; excluded from the monthly subtotal.
Ontario rates · Toronto rates (April 2026)
Eligible first-time purchasers may qualify for an Ontario land transfer tax refund of up to $4,000. Toronto buyers may also qualify for a separate municipal rebate of up to $4,475. Eligibility varies and these maximums are not guaranteed savings. See official eligibility links and details.
Want to see it in person?Request a showing →
About this home
There are waterfront properties you buy for what they are today, and others you buy because you can see what they could become. This one offers a little of both. Set on a large, private property on Stewart Lake near MacTier, this older three-bedroom cottage has the kind of character that is increasingly hard to find. It is dated-very dated-but that's also part of what makes it interesting. Inside, old windows frame the lake from two sunrooms; original-feeling woodwork adds warmth and a fireplace, while not currently operational, remains a natural focal point. The three-level layout is unique, and throughout the cottage there are reminders of an earlier era of Muskoka cottage life. It won't be for the buyer looking for something newly renovated and ready to impress. It's for someone who appreciates what is already here and can imagine thoughtfully bringing it forward. Enjoyed year round or seasonally. Outside, mature trees, established stonework and approximately 1.21 acres create a wonderfully private setting, while the cottage's position close to the water keeps Stewart Lake very much a part of everyday life. With approximately 256 feet of waterfront, there's room here to enjoy the property as it is, improve and potentially expand the existing cottage, or explore the possibilities of the site for something entirely new, subject to the appropriate approvals. Stewart Lake offers the quieter side of Muskoka waterfront living, with opportunities for swimming, paddling and days spent simply enjoying the lake. And when the day is over, those old sunroom windows might just be the best seat in the house. This isn't a polished cottage pretending to be new. It's an old one with character, privacy and possibilities-and for the right buyer, that's exactly the point.
Home details
- Days on market
- Not reported
- Property type
- Detached
- MLS® number
- X13743122
- Source status
- Price Change
- Bedrooms
- 3
- Bathrooms
- 1
- Postal code
- P0C 1H0
- Kitchens
- 1
- Kitchens above grade
- 1
- Family room / den
- No
- Interior size (reported range)
- 1100-1500
- Lot size
- 1.21 acres
- Lot depth
- 289 ft
- Garage parking spaces
- Not reported
- Total parking spaces
- 6
- Occupancy
- Owner
- Possession type
- Flexible
- Garage
- Detached
- Annual property tax
- 2917
- Basement
- Crawl Space, Unfinished
- Interior features
- Propane Tank, Storage, Water Heater Owned
- Exterior features
- Landscaped, Patio, Privacy, Porch Enclosed, Recreational Area, Seasonal Living, Year Round Living
- Architectural style
- Sidesplit 3
- Parking features
- Circular Drive, Private
- Pool features
- None
- Fireplace
- Yes
- Waterfront
- Yes
- Garage available
- Yes
- Heating system
- Baseboard
- Heating fuel
- Electric
- Cooling
- None
- Sewer
- Sewer
- View
- Lake, Trees/Woods, Water
- Direction facing
- West
- Construction materials
- Aluminum Siding, Vinyl Siding
- Roof
- Metal
- Foundation
- Concrete
- MLS entry age (not confirmed DOM)
- 64 days
These details come from the listing source. Please confirm measurements and fees before making a decision.
Utilities and services
- Sewer
- Sewer
- Heating system
- Baseboard
- Heating fuel
- Electric
- Cooling
- None
A reported service is not necessarily included in rent or maintenance. Missing information does not mean a service is absent.
Rooms & virtual tours
Loading source-reported room dimensions…
Converted measurements are approximate. Levels and dimensions are shown only when supplied.
- Bedrooms above grade
- 3
- Rooms above grade
- 11
- Den / family room reported
- No
Reported counts are shown independently. Room dimensions have not been inferred from these counts.
Ask the listing brokerage for floor plans and measured room layouts.
Listing dates & price record
- Asking amount
- $749,000
Original MLS entry
Entry into the source MLS system; distinct from days on market.
Coverage varies by listing. Dates are source-reported calendar dates; only the latest reported asking-price change is shown. This is a partial record.
Explore sold records with approved VOW access →Nearby homes sold near 29 Kilty Bay Road, Georgian Bay, ON P0C 1H0, Georgian Bay
Nearby sale prices are private. Sign in or request access to see homes that sold.
Sign in · Request accessEstimate monthly costs
Adjust the assumptions for your own scenario. Blank expenses are unknown; enter them for a fuller estimate.
Planning estimate with Canadian semiannual compounding. Excludes mortgage insurance, closing costs and special assessments. This is not a lender quote or mortgage approval.
Explore affordability & closing-cost tools →Map and neighbourhood
- Region / county
- MUSKOKA
- Municipality
- GEORGIAN BAY
- MLS® community
- Freeman
A confirmed map location is not available for this home yet.
See homes for sale in Georgian Bay →Plan a trip from this home
Check a route from this property to work, school or another destination. Google Maps provides the current estimate when opened; traffic and departure time affect results.
Google Maps opens in a new tab and calculates the route. Your destination and this property location are sent to Google only when you submit. EnterHome does not store the destination or calculate a travel time.
Around this property
Schools, transit & everyday places
Published local sources. Distances are approximate straight-line distances, not walking routes.
Filter the records displayed below.
Nearby schools
No nearby schools were returned by the current Ontario school dataset for this property. School ratings and attendance boundaries are not included.
Filter the records displayed below.
Transit near this property
No current nearby stops were returned by the installed TTC, GO Transit and UP Express datasets. Coverage and service dates vary; distances and travel times are not inferred.
Filter the records displayed below.
Nearby shops & amenities
No nearby places were returned by the current OpenStreetMap snapshot. Coverage is regional and may be incomplete; verify business details before visiting.
Want to see this home?Request a showing →
Similar homes for sale in Georgian Bay
Current public IDX listings in the same city and transaction type. These are alternatives to explore, not sold comparables or an appraisal.
Property questions
How do I request a showing?
Choose a date and time preference in the request form. A request is not a confirmed appointment; EnterHome will confirm availability separately.
Are the measurements and features independently verified?
Measurements, lot details and features are displayed as reported by the listing source or a named public dataset. Missing facts are not inferred. Confirm material details with the listing brokerage.
What do nearby school, transit and shop results mean?
They are nearby records from the displayed source datasets. Distances are approximate straight-line distances; school catchment eligibility, ratings, walking routes, hours and live transit service are not inferred.
Can I see sold prices for nearby properties?
Sold and leased comparable records are shown only to approved VOW users where the source permits display. Sign in or request VOW access if prompted.
How should I use the monthly cost estimate?
It is a planning estimate based on the visible assumptions and reported property figures. It is not a lender quote, tax assessment, legal opinion or mortgage approval.
Home and neighbourhood overview
29 Kilty Bay Road, Georgian Bay, ON P0C 1H0, Georgian Bay is listed for sale as a Detached. The listing reports 3 bedrooms, 1 bathrooms, reported interior area of 1100-1500 (units not reported), kitchens reported as 1, parking spaces reported as 6, lot size reported as 1.21 acres. Asking price: $749,000. Occupancy is reported as Owner. Review the Home details, room measurements and utility sections below to compare reported specifications; confirm important details with the listing brokerage. MLS® X13743122.
Local context
Explore the area: Georgian Bay · Freeman.
This overview uses facts reported by the listing and named local sources. Please confirm details with the listing brokerage.
Listing brokerage: Royal LePage Team Advantage Realty. Displayed by EnterHome Realty. Source: authorized IDX record, MLS® X13743122. Information deemed reliable but not guaranteed.