$599,000
↓ $50,000 from $649,000
Est. payment $2,652/moCalculate yours
121 Maskinonge Road, Tay, ON L0K 2A0
Rural Tay, Tay, ON L0K 2A0
- 2 Beds
- 1 Baths
- 700 Sq Ft
Listing courtesy of COLDWELL BANKER THE REAL ESTATE CENTRE MLS® S13158674
About this home
Discover affordable waterfront living on the breathtaking shores of Georgian Bay in the peaceful community of Victoria Harbour. Tucked away at the end of a quiet dead-end street, this charming 2-bedroom, 1-bathroom cottage offers an incredible opportunity to own a slice of Georgian Bay at an accessible price point - whether you’re searching for a year-round home, weekend getaway, or family cottage retreat. Set on an impressive 76 x 294 ft lot with 76 feet of private waterfront, this property is designed for enjoying the outdoors. Spend your days boating, fishing, kayaking, or paddle boarding from the brand-new 100-foot dock (2024) leading to a spacious 180 sq ft waterfront platform. Relax on the sandy shoreline, cook in the outdoor kitchen, or unwind in the standout enclosed hexagon gazebo - a cozy all-season space perfect for morning coffee, evening drinks, games night, or enjoying waterfront views no matter the weather. The property also features a newly built bunkie (2025), three storage sheds, an additional gazebo, and a large 15 x 12 ft deck platform ideal for entertaining family and friends. Inside, the approximately 900 sq ft cottage is warm, welcoming, and full of character. The spacious living and dining area features a cozy gas fireplace and flows into the functional kitchen, while the separate family room with its own gas fireplace offers extra space to gather and relax after a day on the bay. Two comfortable bedrooms and a 3-piece bathroom complete the layout. Located just 1.5 hours from the GTA and only 10 minutes off HWY 400 for an easy cottage commute. Close to shopping, restaurants, marinas, parks, Tay Shore Trail, and everyday amenities, this is your chance to enjoy the waterfront lifestyle without the premium price tag often found on Georgian Bay. Affordable, private, and packed with outdoor features, this waterfront gem is a rare opportunity you won’t want to miss.
Property details
Overview
- Property Type
- Detached
- Style
- Bungalow
- For
- For Sale
- Status
- Extension
- Size
- 700 sqft
Interior
- Bedrooms
- 2
- Bathrooms
- 1
- Kitchens
- 1
- Basement
- None
Building & Systems
- Heating
- Other (Gas)
- Cooling
- None
- Exterior
- Aluminum Siding
- Foundation
- Unknown
- Roof
- Metal
- Water
- Well
- Sewer
- Septic
Lot & Parking
- Lot Size
- 76.1 x 203.9 Feet
- Parking
- None garage · 4 total
- Zoning
- RS
Financial
- Property Taxes
- $2,104 (2025)
Location
- Neighbourhood
- Rural Tay
- Cross Street
- Highway 12 and Caswell's Beach Rd
- Direction Faces
- West
Listing
- MLS® Number
- S13158674
- Days on Market
- 151
- Listed On
- 2026-05-20
- Possession
- Flexible
- Listed By
- COLDWELL BANKER THE REAL ESTATE CENTRE
Rooms
Features
Interior
- Water Heater Owned
- Carpet Free
- Primary Bedroom - Main Floor
Property
- Beach
- Lake Access
- Lake/Pond
- Waterfront
Pool
- None
- Included
- Fridge, Stove, All contents of cottage & sheds, dock
- Excluded
- None
Mortgage calculator
Estimated mortgage payment
$2,652 per month
- Principal and interest
- $2,652
- Property tax
- $175
- Condo fees
- $0
- Estimated monthly cost
- $2,828
Your mortgage
- Mortgage amount
- $479,200
- Mortgage insurance
- Not needed
- Interest over 25 years
- $316,473
Cash to close
- Down payment
- $119,800
- Land transfer tax
- $8,455
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $128,255
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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