3098 Island 1040, Georgian Bay, ON P0E 1E0
Georgian Bay, ON P0E 1E0
Quick cost estimateKnown monthly subtotal$3,015.79 / monthLand transfer tax $8,475One-time estimate
Quick cost estimate
$3,015.79 / monthKnown monthly subtotal
- Mortgage principal & interest
- $2,791.70
- Property tax / month
- $224.08
- 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
- $8,475
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
- $8,475
- 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.
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About this home
With just a 1.5 hours drive from the GTA, you can be in beautiful Honey Harbour. From there it's a short 5 minute boat ride from any of the nearby marinas to this property. This 1500 square foot cottage features 4 bedrooms, 2 bathrooms, a kitchen, dining room, living room with wood stove and a large wrap around deck on the top level. There is also a deck on the lower level as well as out back, a large "barn" workshop with a loft that can be used for spillover sleeping as well as winter boat storage. The inlet is a nature lover's paradise with nearly no boat traffic and lots of wildlife. If you are a watersports enthusiast, there are great locations for that in the immediate vicinity. Georgian Bay offers unlimited boating so you can take a day trip over to the town of Midland or, if you're looking for a longer boat ride, you could head up to Henry's or Parry Sound.
Home details
- Days on market
- Not reported
- Property type
- Detached
- MLS® number
- X12884008
- Source status
- New
- Bedrooms
- 4
- Bathrooms
- 2
- Postal code
- P0E 1E0
- Kitchens
- 1
- Kitchens above grade
- 1
- Family room / den
- No
- Interior size (reported range)
- 1500-2000
- Lot depth
- 284 ft
- Garage parking spaces
- Not reported
- Total parking spaces
- 0
- Occupancy
- Owner
- Possession type
- Flexible
- Garage
- None
- Annual property tax
- 2689
- Basement
- Crawl Space
- Interior features
- Water Heater Owned, Water Treatment
- Exterior features
- Deck
- Architectural style
- 2-Storey
- Pool features
- None
- Fireplace
- Yes
- Waterfront
- Yes
- Garage available
- No
- Heating system
- Baseboard
- Heating fuel
- Electric
- Cooling
- None
- Water source
- Lake/River
- Sewer
- Septic
- View
- Bay, Forest, Lake, Water, Trees/Woods
- Direction facing
- North
- Construction materials
- Wood
- Roof
- Metal
- Foundation
- Piers
- MLS entry age (not confirmed DOM)
- 237 days
These details come from the listing source. Please confirm measurements and fees before making a decision.
Utilities and services
- Water source
- Lake/River
- Sewer
- Septic
- 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
- 4
- Rooms above grade
- 12
- 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
- $600,000
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.
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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
- Baxter
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Around this property
Schools, transit & everyday places
Published local sources. Distances are approximate straight-line distances, not walking routes.
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Nearby schools
No nearby schools were returned by the current Ontario school dataset for this property. School ratings and attendance boundaries are not included.
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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.
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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.
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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
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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.
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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.
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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
3098 Island 1040, Georgian Bay, ON P0E 1E0, Georgian Bay is listed for sale as a Detached. The listing reports 4 bedrooms, 2 bathrooms, reported interior area of 1500-2000 (units not reported), kitchens reported as 1, parking spaces reported as 0. Asking price: $600,000. 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® X12884008.
Local context
Explore the area: Georgian Bay · Baxter.
This overview uses facts reported by the listing and named local sources. Please confirm details with the listing brokerage.
Listing brokerage: Royal LePage In Touch Realty. Displayed by EnterHome Realty. Source: authorized IDX record, MLS® X12884008. Information deemed reliable but not guaranteed.