$1,175,000
Est. payment $5,203/moCalculate yours
89 Smith’s Bay Avenue, Prince Edward County, ON K0K 2T0
North Marysburg Ward, Prince Edward County, ON K0K 2T0
- 3 Beds
- 3 Baths
- 2 Garage
- 3,000 Sq Ft
Listing courtesy of Keller Williams Energy Real Estate MLS® X13765706
About this home
Waterfront living at its finest in Prince Edward County! Welcome to this spectacular 3-bedroom, 3-bathroom bungalow set directly on Smith’s Bay, opening into Lake Ontario. The truly magnificent great room is the showpiece of the home, featuring soaring vaulted ceilings, dramatic skylights and an abundance of natural light. Spacious and impressive, it offers a wonderful setting for entertaining, gathering with family or simply enjoying the beauty of this exceptional home. The custom kitchen complements the great room perfectly, while a separate family room provides a more relaxed space for everyday living. A versatile office/den with direct access to the outdoors offers an ideal work-from-home space, private retreat or additional flexibility for family and guests. The thoughtful layout also provides excellent potential for generational living. The home has seen many updates throughout, including a durable steel shingled roof, fully encapsulated crawl space and heated water line. An extra-wide garage provides ample room for vehicles, recreational equipment and storage. Outside, enjoy the beautifully landscaped grounds, large deck and waterfront pergola, the perfect place to sit and unwind while taking in the peaceful views across Smith’s Bay. Situated directly on the bay, this property offers an exceptional waterfront lifestyle, from kayaking and boating to relaxing and entertaining by the water. The generous waterfront setting also presents exciting potential to add a private dock into Smith’s Bay, subject to the necessary approvals, creating an even greater connection to the water and Lake Ontario beyond. A rare opportunity to own a beautifully updated waterfront home with exceptional living space, flexible accommodations and the potential to create your own private waterfront retreat in Prince Edward County. Come see 89 Smiths Bay Avenue today, fall in love and you too can call the County Home!
Property details
Overview
- Property Type
- Detached
- Style
- Bungalow
- For
- For Sale
- Status
- New
- Approximate Age
- 31-50
- Size
- 3,000 sqft
Interior
- Bedrooms
- 3
- Bathrooms
- 3
- Kitchens
- 1
- Basement
- Full, Crawl Space
Building & Systems
- Heating
- Forced Air (Propane)
- Cooling
- Central Air
- Exterior
- Brick
- Foundation
- Poured Concrete
- Roof
- Shingles, Metal
- Water
- Well
- Sewer
- Septic
Lot & Parking
- Lot Size
- 101.72 x 352.41 Feet
- Parking
- Attached garage · 8 total
Financial
- Property Taxes
- $6,529 (2025)
Location
- Neighbourhood
- North Marysburg Ward
- Cross Street
- Smith's Bay and County Road 8
- Direction Faces
- South
Listing
- MLS® Number
- X13765706
- Days on Market
- 38
- Listed On
- 2026-09-10
- Possession
- TBD
- Listed By
- Keller Williams Energy Real Estate
Rooms
Features
Interior
- Auto Garage Door Remote
- Countertop Range
- Built-In Oven
- Generator - Full
- In-Law Capability
- Primary Bedroom - Main Floor
- Storage
- Sump Pump
- Water Heater Owned
- Workbench
- Wheelchair Access
- Water Purifier
- Water Treatment
Property
- Clear View
- Cul de Sac/Dead End
- Greenbelt/Conservation
- Lake/Pond
- Waterfront
- Wooded/Treed
Pool
- None
- Included
- Fridge, Cook Top, Built in Oven, Washer, Dryer, Dishwasher, Hot Tub, Custom Window Coverings
- Excluded
- Primary Bedroom Ensuite Light Fixture (to be replaced prior to closing)
- Rental items
- Propane Tanks
Mortgage calculator
Estimated mortgage payment
$5,203 per month
- Principal and interest
- $5,203
- Property tax
- $544
- Condo fees
- $0
- Estimated monthly cost
- $5,747
Your mortgage
- Mortgage amount
- $940,000
- Mortgage insurance
- Not needed
- Interest over 25 years
- $620,794
Cash to close
- Down payment
- $235,000
- Land transfer tax
- $19,975
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $254,975
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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