Gurvinder Nokwal REALTOR®
For Sale Detached 137 days on market

$549,900 ↓ $25,000 from $574,900

Est. payment $2,435/moCalculate yours

82 Cow Island, Otonabee-South Monaghan, ON K9J 6X8

Otonabee-South Monaghan, Otonabee-South Monaghan, ON K9J 6X8

  • 3 Beds
  • 1 Baths
  • 700 Sq Ft

Listing courtesy of RE/MAX Jazz INC. MLS® X13245426

About this home

Free bonus lot included. One of the most desirable lots on the island, with spectacular south exposure. Also includes separate bonus lot (84 Cow Island) with separate pin 280220001, tax bill $842.67 for 2025 and legal description. Combined waterfrontage of both lots together is 248.63 ft. Privacy abounds here. Enjoy your morning coffee on the spacious dock to take in the sunrise and wind down your day on your deck overlooking the water. There’s an abundance of activity for every interest: boating the Trent Waterway, swimming and fishing in the lake, or snowmobiling from the cottage on the Ganaraska snowmobile trail system. Built In 1976, you’ll see this 1056 Sq. Ft. 3 Bedroom home has an amazing floor plan with spacious living and family rooms. It’s also fully furnished and you can relax while the Marine Railway Lift delivers all your necessities from the dock straight to the cottage. Ariel aluminum dock system 42 ft by 6 ft with 14 ft 6 ft area at the end, 100 amp electrical upgraded 2021, heat and ac mini split 2021,kitchen 2022, bathroom 2022, great remodel reno 2023, cedar wood siding 2025, metal roof. 20ft. The property has a proper septic system and drilled well, so you have fresh water for drinking, cooking etc. Pontoon boat included, 2005 Aqua Patio with 50hp Yamaha 4 stroke with Bimini top and full mooring cover. Seating and floor covering need a touch of TLC but works great. This is an absolutely beautiful must-see family cottage.

Property details

Overview

Property Type
Detached
Style
Bungalow
For
For Sale
Status
Price Change
Approximate Age
31-50
Size
700 sqft

Interior

Bedrooms
3
Bathrooms
1
Kitchens
1
Basement
None

Building & Systems

Heating
Baseboard (Electric)
Cooling
Central Air
Exterior
Wood
Foundation
Piers
Roof
Metal
Water
Well
Sewer
Septic

Lot & Parking

Lot Size
142 x 161.45 Feet
Parking
None garage · 1 total
Zoning
Seasonal recreational dwelling on water

Financial

Property Taxes
$3,006 (2025)

Location

Neighbourhood
Otonabee-South Monaghan
Cross Street
Lakeview Rd & Islandview Dr
Direction Faces
South

Listing

MLS® Number
X13245426
Days on Market
137
Listed On
2026-06-03
Possession
15 to 45 days / TBA
Listed By
RE/MAX Jazz INC.

Rooms

Room Level Dimensions
Bedroom 3 Main 11′ 10″ × 11′ 4″
Bedroom 2 Main 11′ 10″ × 9′ 10″
Living Room Main 19′ 2″ × 14′ 1″
Kitchen Main 11′ 2″ × 9′ 2″
Primary Bedroom Main 15′ 11″ × 11′ 6″

Features

Interior

  • Carpet Free
  • Primary Bedroom - Main Floor
  • Propane Tank
  • Water Heater Owned

Property

  • Island
  • Marina
  • Terraced
  • Waterfront

Pool

  • None
Included
Almost everything is included. 20 ft pontoon boat with 50 hp Yamaha 4 stroke.
Excluded
Seller's personal items.
Rental items
No rental equipment

Mortgage calculator

Minimum for this price: $29,990 (5.45%)

Amortization, years

Estimated mortgage payment

$2,435 per month

Principal and interest
$2,435
Property tax
$250
Estimated monthly cost
$2,685

Your mortgage

Mortgage amount
$439,920
Mortgage insurance
Not needed
Interest over 25 years
$290,531

Cash to close

Down payment
$109,980
Land transfer tax
$7,473
Total, before legal fees
$117,453
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

82 Cow Island, Otonabee-South Monaghan, ON K9J 6X8 Otonabee-South Monaghan, Otonabee-South Monaghan, ON K9J 6X8
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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).

$549,900 82 Cow Island, Otonabee-South Monaghan, ON K9J 6X8
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