Gurvinder Nokwal REALTOR®
For Sale Detached 17 days on market

$465,000

Est. payment $2,059/moCalculate yours

97 Smith Lane, Huron-Kinloss, ON N2Z 0B3

Huron-Kinloss, Huron-Kinloss, ON N2Z 0B3

  • 3 Beds
  • 1 Baths
  • 700 Sq Ft
Map

Listing courtesy of Royal LePage Exchange Realty Co. MLS® X13852340

About this home

Lovingly cared for by its current owners for 31 years, this inviting three-season cottage is being offered completely turnkey and ready for you to enjoy. Nestled in the sought-after Lurgan Beach community, this well-maintained cottage offers everything you need for memorable summers by the lake, including three bedrooms, a three-piece bathroom, kitchen, dining area, living room and a versatile seasonal room-perfect for accommodating family and friends. An efficient propane wall furnace, complemented by electric wall heaters, helps take the chill off during cooler evenings. A wraparound deck extends along the front and side of the cottage, providing the perfect spot for morning coffee, outdoor dining or relaxing with a good book. The backyard is equally appealing, featuring four well-maintained outbuildings that offer flexibility for hobbies, additional space and secure storage. Gather around the fire pit in the evening and enjoy star-filled skies as the day winds down. The family-friendly location is one of the property’s standout features. Municipal parkland, complete with playground equipment for all ages, is just steps away. When it’s time for a beach day, the lake is only a short walk from your door, making it easy to embrace the relaxed rhythm of cottage life. Forgot something? No problem-you’ll be back in no time. And, of course, those famous Lake Huron sunsets never disappoint. Beyond its charm, the cottage offers practical peace of mind with a low-maintenance vinyl exterior, vinyl windows, and a 2023 septic system. It is becoming increasingly difficult to find such a well-maintained retreat in this location for under $500,000.If you’ve been dreaming of a place where the lake is close, evenings are spent around the fire and summer memories practically make themselves, this Lurgan Beach cottage is one you won’t want to miss.

Property details

Overview

Property Type
Detached
Style
Bungalow
For
For Sale
Status
New
Size
700 sqft

Interior

Bedrooms
3
Bathrooms
1
Kitchens
1
Basement
Crawl Space

Building & Systems

Heating
Baseboard (Electric)
Cooling
Other
Exterior
Vinyl Siding
Foundation
Concrete Block, Other
Roof
Asphalt Shingle
Water
Municipal
Sewer
Septic

Lot & Parking

Lot Size
66 x 132 Feet
Parking
None garage · 2 total
Zoning
R1

Financial

Property Taxes
$2,264 (2026)

Location

Neighbourhood
Huron-Kinloss
Cross Street
NORTH ST
Direction Faces
East

Listing

MLS® Number
X13852340
Days on Market
17
Listed On
2026-10-01
Possession
FLEXIBLE
Listed By
Royal LePage Exchange Realty Co.

Features

Interior

  • Water Heater Owned

Property

  • Beach
  • Park

Pool

  • None
Included
HOT WATER TANK OWNED, ALL LIGHT FIXTURES, ALL WINDOW COVERINGS, 4 OUTBUILDINGS, STOVE, FRIDGE, MICROWAVE, FURNITURE/CONTENTS EXCLUDING PERSONAL ITEMS, PORTABLE AC FLOOR UNIT
Excluded
ATV, AIR COMPRESSOR, TOOL BAG/MISC TOOLS IN SHED, PERSONAL WALL ART, HALF OF THE FIREWOOD
Rental items
PROPANE TANK AVENIR ENERGY

Mortgage calculator

Minimum for this price: $23,250 (5%)

Amortization, years

Estimated mortgage payment

$2,059 per month

Principal and interest
$2,059
Property tax
$189
Estimated monthly cost
$2,248

Your mortgage

Mortgage amount
$372,000
Mortgage insurance
Not needed
Interest over 25 years
$245,676

Cash to close

Down payment
$93,000
Land transfer tax
$5,775
Total, before legal fees
$98,775
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

97 Smith Lane, Huron-Kinloss, ON N2Z 0B3 Huron-Kinloss, Huron-Kinloss, ON N2Z 0B3
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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).

$465,000 97 Smith Lane, Huron-Kinloss, ON N2Z 0B3
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