$300K · 2 bed Detached · Snake Island, Georgina Islands

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About this home

Welcome to your private waterfront escape on Snake Island. Set along a sandy shoreline with a private dock and unobstructed views of Lake Simcoe, this beautifully updated 2025/2026 cottage offers a turnkey opportunity to enjoy island life. The bright, carpet-free interior features a modern kitchen with quartz counters and stainless steel appliances, a sun-filled living room with an electric fireplace, a main-floor primary bedroom overlooking the water, main-floor laundry, and large picture windo…

Property details

MLS#

N13417408

Status

Buy Now

Beds

Baths

1 full, 0 half

Size

1100-1500

Style

Bungalow

Type

Detached

Year built

—

Roof: Metal
Foundation: Piers
Other structures: Sauna, Shed
Property features: Beach, Clear View, Island, Lake Access, Marina, Waterfront

Fireplaces: 1
Fireplace features: Electric

View: Beach, Clear, Lake, Water

Waterfront: Yes
Water view: Direct
Water body: Lake Simcoe
Water frontage: 10.058 ft
Shoreline: Clean, Sandy, Shallow
Waterfront features: Beach Front, Parking-Deeded, Waterfront-Not Deeded, Boat Launch, Boathouse, Stairs to Waterfront, Dock, Island

Garage: None
Garage spaces: 0
Parking: 1 total
Lot: 33 × 166
Heating: Baseboard
Heating fuel: Electric
Cooling: None
Pool: No
Exterior: Vinyl Siding · Deck, Fishing, Lighting, Seasonal Living
Fronting on: North
Cross street: Lake Drive at East Point Marina
Basement: None
Stories: —
Utilities: —
Laundry: —
Interior: Carpet Free, On Demand Water Heater, Primary Bedroom - Main Floor, Sauna, Upgraded Insulation
Parking features: Reserved/Assigned

Level	Room	Dimensions
Main	Living Room	4.21m × 4.43m
Main	Kitchen	3.42m × 6.89m
Main	Sunroom	3.32m × 5.91m
Main	Primary Bedroom	3.46m × 3.48m
Main	Bedroom 2	3.32m × 3.48m

Level

Room

Dimensions

Main

Living Room

4.21m × 4.43m

Main

Kitchen

3.42m × 6.89m

Main

Sunroom

3.32m × 5.91m

Main

Primary Bedroom

3.46m × 3.48m

Main

Bedroom 2

3.32m × 3.48m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $299,900✓ $1,097 tax✓ Electric✓ 1100-1500 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$2,584/mo

incl. closing costs (yr 1)

Annual total

$31,010

year 1

Mortgage only

$1,138/mo

principal + interest

Beyond mortgage

$740/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$59,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$91/mo

Utilities

Hydro / electricity$169/mo

≈ $0.13/ft² × ~1,300 ft² · incl. electric heat

Heat$0/mo

Electric heat — no gas service · see hydro

Water / sewer$60/mo

ON municipal avg ~$60/mo

Internet / TV / phone$70/mo

ON internet/TV avg ~$70/mo

Maintenance & upkeep

Maintenance reserve1.0%$2,999/yr

1% of value/yr — standard reserve

Landscaping & snow$0/mo

Landscaping & snow removal · $0 default

Home insurance$100/mo

$100/mo default · adjust for your home

Security system$0/mo

Optional monitoring · $0 default

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$2,974

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)44% $13,653/yr

Property taxes13% $4,071/yr

Utilities12% $3,588/yr

Insurance & security5% $1,600/yr

Maintenance10% $2,999/yr

Closing costs16% $5,100/yr

Mortgage is 44% of your true cost of ownership. The other 56% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$13,653	$1,138/mo
Government & taxes
Property tax	$1,097	$91/mo
Land transfer tax(closing)	$2,974	$248/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$2,028	$169/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$2,999	$250/mo
Closing costs (one-time)
Legal / lawyer(closing)	$2,500	$208/mo
Home inspection(closing)	$600	$50/mo
Moving costs(closing)	$2,000	$167/mo
Total	$31,010	$2,584/mo

Listing facts below · Ontario averages for utilities — drag sliders to match your home. CMHC added to loan principal only — not double-counted in chart.

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10 Snake Island Road

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Annual costs