$449,000
Est. payment $1,988/moCalculate yours
503 Bay Street, South Bruce Peninsula, ON N0H 2T0
South Bruce Peninsula, South Bruce Peninsula, ON N0H 2T0
- 2 Beds
- 1 Baths
- 1 Garage
- 700 Sq Ft
Listing courtesy of Century 21 Millennium Inc. MLS® X13483760
About this home
Welcome to the timeless charm of Oliphant. Set on a spacious double lot with beautiful views of Lake Huron just across the road, this classic 3-season cottage offers the kind of relaxed lakeside lifestyle that keeps families returning year after year. Lovingly enjoyed for generations, this cottage is full of character and provides a wonderful opportunity for those looking to enjoy the Bruce Peninsula at their own pace. While not a modern or luxurious retreat, it offers something increasingly difficult to find - a genuine cottage experience where days are spent at the beach, evenings are dedicated to spectacular sunsets, and memories are made with family and friends. Inside, you’ll find a bright, open living space with a wood-burning fireplace, two bedrooms, one bathroom, and plenty of windows to take in the surrounding natural beauty. Outside, the generous lot provides ample room for outdoor games, campfires, entertaining, or future possibilities. Located directly across from the waters of Lake Huron, you’ll enjoy easy access to swimming, boating, fishing, paddling, hiking, and everything that makes Oliphant such a sought-after destination. Whether you’re searching for a seasonal getaway to enjoy as-is or a property with potential to make your own over time, this cottage offers an affordable opportunity to secure your place in one of the Bruce Peninsula’s most beloved waterfront communities. Come experience the sunsets, the lake breezes, and the simple pleasures of cottage life in Oliphant.
Property details
Overview
- Property Type
- Detached
- Style
- Bungalow
- For
- For Sale
- Status
- New
- Approximate Age
- 51-99
- Size
- 700 sqft
Interior
- Bedrooms
- 2
- Bathrooms
- 1
- Kitchens
- 1
- Basement
- None
Building & Systems
- Heating
- Baseboard (Electric)
- Cooling
- None
- Exterior
- Vinyl Siding
- Foundation
- Piers
- Roof
- Asphalt Shingle
- Water
- Well
- Sewer
- Septic
Lot & Parking
- Lot Size
- 132.35 x 165 Feet
- Parking
- Attached garage · 4 total
- Zoning
- R2
Financial
- Property Taxes
- $1,648 (2025)
Location
- Neighbourhood
- South Bruce Peninsula
- Cross Street
- McLachlan Street
- Direction Faces
- West
Listing
- MLS® Number
- X13483760
- Days on Market
- 116
- Listed On
- 2026-06-24
- Possession
- Flexible
- Listed By
- Century 21 Millennium Inc.
Features
Interior
- Primary Bedroom - Main Floor
- Propane Tank
- Water Heater Owned
Property
- Beach
- Campground
- Hospital
- Marina
- School Bus Route
- School
Pool
- None
- Included
- Cottage can be sold with all furnishings, dishes ect, or can be emptied for buyers. Appliances will stay, fridge, stove, washer/dryer combo
- Excluded
- Some peices of artwork
Mortgage calculator
Estimated mortgage payment
$1,988 per month
- Principal and interest
- $1,988
- Property tax
- $137
- Condo fees
- $0
- Estimated monthly cost
- $2,125
Your mortgage
- Mortgage amount
- $359,200
- Mortgage insurance
- Not needed
- Interest over 25 years
- $237,222
Cash to close
- Down payment
- $89,800
- Land transfer tax
- $5,455
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $95,255
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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