$549,900
↓ $25,000 from $574,900
Est. payment $2,435/moCalculate yours
82 Cow Island, Otonabee-South Monaghan, ON K9J 6X8
Otonabee-South Monaghan, Otonabee-South Monaghan, ON K9J 6X8
- 3 Beds
- 1 Baths
- 700 Sq Ft
Listing courtesy of RE/MAX Jazz INC. MLS® X13245426
About this home
Free bonus lot included. One of the most desirable lots on the island, with spectacular south exposure. Also includes separate bonus lot (84 Cow Island) with separate pin 280220001, tax bill $842.67 for 2025 and legal description. Combined waterfrontage of both lots together is 248.63 ft. Privacy abounds here. Enjoy your morning coffee on the spacious dock to take in the sunrise and wind down your day on your deck overlooking the water. There’s an abundance of activity for every interest: boating the Trent Waterway, swimming and fishing in the lake, or snowmobiling from the cottage on the Ganaraska snowmobile trail system. Built In 1976, you’ll see this 1056 Sq. Ft. 3 Bedroom home has an amazing floor plan with spacious living and family rooms. It’s also fully furnished and you can relax while the Marine Railway Lift delivers all your necessities from the dock straight to the cottage. Ariel aluminum dock system 42 ft by 6 ft with 14 ft 6 ft area at the end, 100 amp electrical upgraded 2021, heat and ac mini split 2021,kitchen 2022, bathroom 2022, great remodel reno 2023, cedar wood siding 2025, metal roof. 20ft. The property has a proper septic system and drilled well, so you have fresh water for drinking, cooking etc. Pontoon boat included, 2005 Aqua Patio with 50hp Yamaha 4 stroke with Bimini top and full mooring cover. Seating and floor covering need a touch of TLC but works great. This is an absolutely beautiful must-see family cottage.
Property details
Overview
- Property Type
- Detached
- Style
- Bungalow
- For
- For Sale
- Status
- Price Change
- Approximate Age
- 31-50
- Size
- 700 sqft
Interior
- Bedrooms
- 3
- Bathrooms
- 1
- Kitchens
- 1
- Basement
- None
Building & Systems
- Heating
- Baseboard (Electric)
- Cooling
- Central Air
- Exterior
- Wood
- Foundation
- Piers
- Roof
- Metal
- Water
- Well
- Sewer
- Septic
Lot & Parking
- Lot Size
- 142 x 161.45 Feet
- Parking
- None garage · 1 total
- Zoning
- Seasonal recreational dwelling on water
Financial
- Property Taxes
- $3,006 (2025)
Location
- Neighbourhood
- Otonabee-South Monaghan
- Cross Street
- Lakeview Rd & Islandview Dr
- Direction Faces
- South
Listing
- MLS® Number
- X13245426
- Days on Market
- 137
- Listed On
- 2026-06-03
- Possession
- 15 to 45 days / TBA
- Listed By
- RE/MAX Jazz INC.
Rooms
Features
Interior
- Carpet Free
- Primary Bedroom - Main Floor
- Propane Tank
- Water Heater Owned
Property
- Island
- Marina
- Terraced
- Waterfront
Pool
- None
- Included
- Almost everything is included. 20 ft pontoon boat with 50 hp Yamaha 4 stroke.
- Excluded
- Seller's personal items.
- Rental items
- No rental equipment
Mortgage calculator
Estimated mortgage payment
$2,435 per month
- Principal and interest
- $2,435
- Property tax
- $250
- Condo fees
- $0
- Estimated monthly cost
- $2,685
Your mortgage
- Mortgage amount
- $439,920
- Mortgage insurance
- Not needed
- Interest over 25 years
- $290,531
Cash to close
- Down payment
- $109,980
- Land transfer tax
- $7,473
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $117,453
With less than 20% down, a 30-year amortization is available to first-time buyers and buyers of newly built homes.
Talk to me about financingEstimates only, not a mortgage offer or financial advice. Uses the Canadian fixed-rate convention (interest compounded twice a year), 2026 mortgage insurance premiums and Ontario land transfer tax. Your lender will confirm your actual rate and payment.
Location
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