Gurvinder Nokwal REALTOR®
For Sale Detached 155 days on market

$849,000

Est. payment $3,759/moCalculate yours

3888 Island 820/Mermaid Island, Georgian Bay, ON P0E 1E0

Baxter, Georgian Bay, ON P0E 1E0

  • 2 + 2 Beds
  • 2 Baths
  • 1,500 Sq Ft

Listing courtesy of MOFFAT DUNLAP REAL ESTATE LIMITED MLS® X13147664

About this home

Tucked into a protective northwest-facing cove on Mermaid Island this 3.6 acre Georgian Bay retreat offers 571 ft of waterfront, elevated views, and a substantial t-shaped dock just a 2-minute boat ride from Honey Harbour. This 1,775 sq ft open concept layout is designed for entertaining, with vaulted ceilings, wood finishes, a freestanding woodstove, skylight and oversized windows that frame the water at every turn. 2 bedrooms and a full bathroom are located on the main floor along with a convenient laundry room and enclosed sunroom. The upper loft offers a primary bedroom with ensuite plus additional flexible space prefect for a second sleeping are or private office. Cedar decking on the west side and a composite deck on the east side provide generous outdoor living space from sunrise to sunset. The full walk-out basement offers excellent storage and utility space. A shed houses the tractor and 2 dedicated woodsheds keep the property organized and cold weather-ready. Additional structure can be converted to a bunkie or studio space which rounds out the offering, ideal for guests or a creative retreat. The natural rocky shoreline transitions gradually to the dock and protected water, quintessential Canadian Shield at its finest. Need more space? Current zoning permits a larger cottage and an additional bunkie. Consultation with the Township Planning Department will further verify and septic needs to be considered. Privacy, space and room to grow are increasingly rare on Georgian Bay. This is the one!

Property details

Overview

Property Type
Detached
Style
1 1/2 Storey
For
For Sale
Status
New
Approximate Age
31-50
Size
1,500 sqft

Interior

Bedrooms
2 + 2
Bathrooms
2
Kitchens
1
Basement
Full

Building & Systems

Heating
Baseboard (Electric)
Cooling
None
Exterior
Concrete Block, Wood
Foundation
Concrete Block
Roof
Metal
Water
Other
Sewer
Septic

Lot & Parking

Lot Size
571.99 x 319.9 Feet
Parking
None garage
Zoning
SRI1, FH1

Financial

Property Taxes
$3,864 (2025)

Location

Neighbourhood
Baxter
Cross Street
Boat 2 minutes north of Honey Harbour marinas
Direction Faces
West

Listing

MLS® Number
X13147664
Days on Market
155
Listed On
2026-05-16
Possession
Flexible
Listed By
MOFFAT DUNLAP REAL ESTATE LIMITED

Rooms

Room Level Dimensions
Loft Upper 14′ 3″ × 14′ 5″
Bathroom Upper 10′ 7″ × 8′ 1″
Bedroom 2 Main 10′ 9″ × 9′ 1″
Bedroom Main 11′ 1″ × 8′ 11″
Kitchen Main 11′ 6″ × 12′ 2″
Laundry Main 10′ 9″ × 7′ 10″
Living Room Main 24′ 10″ × 23′ 2″
Sunroom Main 10′ 0″ × 16′ 2″
Loft Upper 14′ 9″ × 12′ 1″
Dining Room Main 6′ 9″ × 12′ 2″
Bathroom Main 10′ 9″ × 8′ 6″
Workshop Basement 10′ 7″ × 10′ 9″

Features

Interior

  • Water Purifier
  • Water Heater Owned

Property

  • Clear View
  • Island
  • Lake Access
  • Sloping
  • Waterfront

Pool

  • None
Included
Refrigerator, cooktop, oven, dishwasher, dryer, washer, ATV, tractor, most furnishings, TV and remote, marine railway, Generator (not wired in), canoe, paddle boat

Mortgage calculator

Minimum for this price: $59,900 (7.06%)

Amortization, years

Estimated mortgage payment

$3,759 per month

Principal and interest
$3,759
Property tax
$322
Estimated monthly cost
$4,081

Your mortgage

Mortgage amount
$679,200
Mortgage insurance
Not needed
Interest over 25 years
$448,556

Cash to close

Down payment
$169,800
Land transfer tax
$13,455
Total, before legal fees
$183,255
Talk to me about financing

Estimates 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

3888 Island 820/Mermaid Island, Georgian Bay, ON P0E 1E0 Baxter, Georgian Bay, ON P0E 1E0
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Listing data is provided under license and deemed reliable but not guaranteed. MLS®, Multiple Listing Service® and associated logos are trademarks of The Canadian Real Estate Association (CREA).

$849,000 3888 Island 820/Mermaid Island, Georgian Bay, ON P0E 1E0
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