$299,000
Est. payment $1,324/moCalculate yours
118 Bay Lake Road, Bancroft, ON K0L 1C0
Dungannon Ward, Bancroft, ON K0L 1C0
- 2 Beds
- 1 Baths
Listing courtesy of Century 21 Granite Realty Group Inc. MLS® X13686184
About this home
Affordable Three- season Cottage with a 12 ft access to Stimears Lake! Looking for a cozy getaway without the waterfront price tag? Welcome to 118 Bay Lake Rd! This charming three-season cottage is situated on a year-round paved municipal rd and includes a 12 foot easement access to beautiful Stimears Lake, located just across the road. The cottage offers a warm and inviting layout featuring two bedrooms, a 3-piece bathroom, a functional kitchen with dining area, a comfortable living/sitting room, and a bright sunroom perfect for relaxing with your morning coffee or unwinding after a day on the lake. Outside, you’ll enjoy exceptional privacy, a firepit area for evenings under the stars, two storage buildings for all your cottage toys and tools, plus the convenience of a private well and septic system. Whether you’re looking for a family retreat, a peaceful escape from the city, or an affordable way to enjoy cottage life, this property offers excellent value and endless opportunities to create lasting memories.
Property details
Overview
- Property Type
- Detached
- Style
- Bungalow
- For
- For Sale
- Status
- New
- Size
- < 700 sqft
Interior
- Bedrooms
- 2
- Bathrooms
- 1
- Kitchens
- 1
- Basement
- None
Building & Systems
- Heating
- Baseboard (Electric)
- Cooling
- Window Unit(s)
- Exterior
- Wood
- Foundation
- Piers
- Roof
- Metal
- Water
- Well
- Sewer
- Septic
Lot & Parking
- Lot Size
- 150 x 249 Feet
- Parking
- None garage · 6 total
- Zoning
- RES
Financial
- Property Taxes
- $1,900 (2025)
Location
- Neighbourhood
- Dungannon Ward
- Cross Street
- BAY LAKE RD & HWY 62 S.
- Direction Faces
- North
Listing
- MLS® Number
- X13686184
- Days on Market
- 65
- Listed On
- 2026-08-14
- Possession
- TBD
- Listed By
- Century 21 Granite Realty Group Inc.
Rooms
Features
Interior
- Water Heater Owned
Property
- Golf
- Hospital
- Wooded/Treed
Pool
- None
Mortgage calculator
Estimated mortgage payment
$1,324 per month
- Principal and interest
- $1,324
- Property tax
- $158
- Condo fees
- $0
- Estimated monthly cost
- $1,482
Your mortgage
- Mortgage amount
- $239,200
- Mortgage insurance
- Not needed
- Interest over 25 years
- $157,972
Cash to close
- Down payment
- $59,800
- Land transfer tax
- $2,960
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $62,760
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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