Listed for:Listed May 16, 2026
$849,000

3940 Is 820 Georgn Byway

Georgian Bay (Baxter), ON P0E 1E0

Detached House For Sale
Kim Karimi
Kim Karimi

Real Estate Broker

416-838-3031
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Sale & Price History for 3940 Is 820 Georgn Byway, Georgian Bay, Baxter

No listing history available

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*Sold prices and complete sale & price history are regulated data. Under the Trust in Real Estate Services Act, 2002 (TRESA) and the rules of the Real Estate Council of Ontario (RECO), and pursuant to the Multiple Listing Service® rules of the Canadian Real Estate Association (CREA) and the Toronto Regional Real Estate Board (TRREB), this information may be shown only to registered users who have agreed to the applicable terms of use (a Virtual Office Website, or "VOW," arrangement). HOMEH Inc., Brokerage therefore provides it to signed-in members only. Creating an account is free and takes under a minute.

About 3940 Is 820 Georgn Byway, Georgian Bay, Baxter

Summarized Description

  • 3.6-acre Georgian Bay retreat with 571 ft of waterfront
  • Open concept layout designed for entertaining
  • Vaulted ceilings and oversized windows throughout
  • Primary bedroom features ensuite and flexible space
  • Substantial t-shaped dock, 2-minute boat ride to Honey Harbour
  • Privacy and zoning allows for expansion
  • Natural rocky shoreline enhances the property
  • Ideal for guests or creative retreat with additional structure

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!

Key Facts & Features

Property Costs

Annual Property Tax Amount
$3,944
Land Transfer Tax Fee
$13,455

Basement Type
Full

Interior Features

Laundry Level
Main Level
Interior Extras
Water Purifier, Water Heater Owned
View
Bay, Forest, Lake, Panoramic, Trees/Woods, Water
Fireplace/Stove
Yes
Fireplace Features
Wood Stove
Elevator
No

Exterior Features

Exterior Extras
Deck, Privacy, Porch Enclosed, Seasonal Living
Pool
None
Property Features
Clear View, Island, Lake Access, Sloping, Waterfront
Other Structures
Shed, Other

Building

Building Type
Detached
Building Style
1 1/2 Storey
Approx Age
31-50

Construction

Exterior Finish
Concrete Block, Wood
Roof
Metal
Foundation Details
Concrete Block
Special Designation
Unknown

Lot

Lot Front
571.99 ft
Lot Depth
319.90 ft
Lot Size
3.88

Inclusions

Inclusions
Refrigerator, cooktop, oven, dishwasher, dryer, washer, ATV, tractor, most furnishings, TV and remote, marine railway, Generator (not wired in), canoe, paddle boat

Parking & Garages

Garage Type
None
Garage Spaces
0
Parking Spaces
0
Total Garage And Parking Spaces
0

Heating & Cooling

Heat Source
Electric
Heat Type
Baseboard
Air Conditioning
None
Water
Other
Sewers
Septic
Natural Gas
No
Hydro
Yes
Cable
No
Telephone
No

Bedrooms
2 + 2
Washrooms
2
Kitchens
1
Family / bonus room
Yes

Washrooms

  • 3-piece, Main
  • 3-piece, Upper

Municipality
Georgian Bay
Neighbourhood
Baxter
Main cross streets
Boat 2 minutes north of Honey Harbour marinas
Zoning
SRI1, FH1
Directions
Boat 2 minutes north of Honey Harbour marinas
Waterfront
Direct

MLS® number
X13147664
Data source
Toronto Regional Real Estate Board
Listed on
2026-05-16
Updated on
2026-07-02
Days on market
163 days
Possession date
2026-07-07
Possession type
Flexible
Co-op commission
2.5%+HST
Seller
Listed by
MOFFAT DUNLAP REAL ESTATE LIMITED

Home Market Value

Current home valuation for 3940 Is 820 Georgn Byway, Georgian Bay, Baxter, Georgian Bay, ON. Listed for $849,000

HOMEH Estimate

?

$1,018,800

Estimated Sales Range

?

$758,270 - $1,167,458

HOMEH Estimate for 3940 Is 820 Georgn Byway, Georgian Bay, Baxter

Calculated with a real agent's CMA method — 45+ years of experience, codified. Not an AI guess.

$1,018,800Low confidence
Based on 5 comparable properties
− $169,800 (17%) below our estimate — Good deal!
See the full analysisFree Every recent nearby sale behind this number

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Mortgage Payment Calculator

Compare up to 4 down payment scenarios

$
Georgian Bay, ON
Minimum Down Payment Required:7.1%

5% on first $500K + 10% on $349,000 over $500K

Minimum down payment

$59,900

Scenario 1 Scenario 2 Scenario 3 Scenario 4
−Down payment
%
$
%
$
%
$
%
$
+CMHC insurance
$31,549$23,687$20,206$0
=Total mortgage
$820,270$787,787$741,856$679,200
Amortization
Mortgage rate
%
%
%
%
Payment frequency
=Mortgage payment
$4,005monthly$3,846monthly$3,622monthly$3,316monthly
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Land Transfer Tax

Provincial

$13,455

Total Land Transfer Tax

$13,455

Around this home

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