$1,890,000
Est. payment $8,369/moCalculate yours
197 Balmy Beach Road, Georgian Bluffs, ON N4K 5N4
Georgian Bluffs, Georgian Bluffs, ON N4K 5N4
- 4 Beds
- 4 Baths
- 2 Garage
- 2,500 Sq Ft
Listing courtesy of eXp Realty MLS® X13506190
About this home
There’s something about Georgian Bay that changes you. Maybe it’s the way the water greets you in the morning. Still. Calm. Endless. Or the way evenings naturally draw everyone outside. One more swim. One more fire. One more moment together before the stars take over the sky. This home was built for those moments. From the moment you walk in, the world feels quieter. The entire back of the home opens to the water, with wall to wall windows that blur the line between inside and out. The kitchen. The living room. The dining spaces. All connected. All designed so no matter where you are, Georgian Bay is always with you. Mornings begin with coffee at the kitchen window, watching the sun rise over the bay. Afternoons are spent in the saltwater pool, while laughter carries across the yard. Evenings bring everyone together. Dinner under the covered terrace. A soak in the hot tub. Stories shared around the fire as the sound of the water becomes the soundtrack to your life. And when the day ends, the primary suite becomes your private retreat. Wake up to the water. Fall asleep to the water. A peaceful reminder of just how special this place is. With a fully finished lower level featuring its own entrance, kitchen, bedrooms, and living space, this home offers the flexibility to evolve with you. A place for family. A place for guests. Or an opportunity to create something more. Offered fully furnished, this is more than a home. It’s a complete Georgian Bay lifestyle. Ready for its next chapter. After time on the market, one thing has become clear. This home has been waiting for the right family. Now, it’s ready.
Property details
Overview
- Property Type
- Detached
- Style
- Bungalow
- For
- For Sale
- Status
- New
- Size
- 2,500 sqft
Interior
- Bedrooms
- 4
- Bathrooms
- 4
- Kitchens
- 2
- Basement
- Finished with Walk-Out
Building & Systems
- Heating
- Forced Air (Gas)
- Cooling
- Central Air
- Exterior
- Brick
- Foundation
- Concrete
- Roof
- Asphalt Shingle
- Water
- Municipal
- Sewer
- Septic
Lot & Parking
- Lot Size
- 115.86 x 160 Feet
- Parking
- Attached garage · 8 total
- Zoning
- R5
Financial
- Property Taxes
- $14,099 (2025)
Location
- Neighbourhood
- Georgian Bluffs
- Cross Street
- Balmy Beach Road and Grey Road 1
- Direction Faces
- West
Listing
- MLS® Number
- X13506190
- Days on Market
- 110
- Listed On
- 2026-06-30
- Possession
- Flexible
- Listed By
- eXp Realty
Rooms
Features
Interior
- Guest Accommodations
- In-Law Capability
- In-Law Suite
- Primary Bedroom - Main Floor
- Storage
- Carpet Free
Pool
- Inground
- Included
- Fully furnished, all appliances.
Mortgage calculator
Estimated mortgage payment
$8,369 per month
- Principal and interest
- $8,369
- Property tax
- $1,175
- Condo fees
- $0
- Estimated monthly cost
- $9,543
Your mortgage
- Mortgage amount
- $1,512,000
- Mortgage insurance
- Not needed
- Interest over 25 years
- $998,553
Cash to close
- Down payment
- $378,000
- Land transfer tax
- $34,275
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $412,275
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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