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14B Morgan's Point Lane, Frontenac Islands, ON K0H 2Y0

3 beds · 2 baths · 1 kitchen · 8 rooms · 2 parking spaces · 1100-1500 sq ft · Laundry on the main level level · Rural Residential
$489,900
Property tax
$2,270 / year

Welcome to 14B Morgan's Point Lane, a charming 3-season cottage nestled on the tranquil shores of Irvine Bay, part of the majestic St. Lawrence River. This waterfront retreat offers 3 bedrooms, 1.5 baths, laundry, and a cozy sleeping bunkie with solar power for guests. Enjoy your own private boat launch and dock-perfect for morning paddles or sunset cruises. Recent upgrades include a new roof (2025), hot water tank (2023), water pump (2024), UV water system (2019), and holding tank (2021), ensuring comfort and peace of mind. Wolfe Island is beloved for its scenic beauty, relaxed pace, and strong sense of community. Just a short ferry ride from Kingston, it offers cycling trails, sandy beaches, and local markets. Whether you're unwinding in the living room-framed by vaulted ceilings and a wall of windows that encapsulate the breathtaking water views-hosting guests in the bunkie, or storing gear in the garage, this property blends natural elegance with thoughtful updates. A rare opportunity to own waterfront on one of the Thousand Islands' most sought-after locations.

MLS number
X13160490
Type
Rural Residential
Status
Active
Bedrooms
3
Bathrooms
2
Postal code
K0H 2Y0
Photos
39
Laundry
Main Level level
114days · this listing
Total days on market across every earlier listing of this propertyRegistration and sign-in required

This listing’s own days on market are shown above. How long the property has been for sale across every earlier listing is drawn from records the board releases only to registered users — a free account opens it, along with the sale history below.

Listing history

This address has been listed 2 times.

Sale history is for registered usersSee what this address sold for and when, across all 2 listings. Free account — the board’s rules require one before sold data can be shown.Create a free account

Where this property is

Where this address sits, matched against open government data.

Estimated from the house-number range along this road: the right block of the right street, not the exact building. No address file publishes this house.

H-Value

our estimate of this home is for registered usersWhat comparable homes nearby actually sold for, worked into an estimate for this one — with the range it sits in and how far the method has been off in testing.Create a free accountAlready have one? Sign in.

What an H-Value is and how it is calculated — the method and our measured error, no account needed.

This neighbourhood

Statistics Canada 2021 Census, for the surrounding few blocks — about 856 people.

$82,000Median household income
88.9%Own their home
96.3%Detached houses
59.2Median age
9.6%Born outside Canada
29.3%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35100292 — the few blocks around this address, home to 856 people. It describes the area, not this property.

856Population
53.4Average age
2.1Household size
$96,000Average household income
$82,000Median household income
89%Own their home
11%Rent
0%Condominiums
10%Born outside Canada
29%University degree
$586,000Average home value
8%Low income
87%Not in the labour force
17%Never married
$15,000 to $19,9991%
$20,000 to $24,9992%
$25,000 to $29,9994%
$30,000 to $34,9992%
$35,000 to $39,9994%
$40,000 to $44,9994%
$45,000 to $49,9993%
$50,000 to $59,9996%
$60,000 to $69,9995%
$70,000 to $79,9995%
$80,000 to $89,9997%
$90,000 to $99,9994%
$100,000 and over27%
$100,000 to $124,9996%
$125,000 to $149,99910%
$150,000 to $199,9996%
$200,000 and over5%

Percentages are of the 565 responses in this category. Statistics Canada rounds counts and withholds small ones to keep individuals unidentifiable, so categories with too few people to publish are absent rather than shown as zero.

Source: Statistics Canada, 2021 Census of Population. Contains information licensed under the Open Government Licence – Canada.

Work out the numbers

Everything below is calculated in your browser from figures you can change. Nothing is sent anywhere.

$97,980 · minimum here is $24,495
$2,169.17per month
Borrowed before insurance$391,920
Total borrowed$391,920
Interest over 25 years at 4.5%$258,831

If you rented it out

-$2,358.34per month out of pocket
Rent$0.00
Everything it costs to hold$2,358.34
How this is calculated, and what it leaves out

Canadian fixed-rate mortgages compound semi-annually, not monthly, so the monthly rate here is (1 + rate/2)1/6 − 1. Most calculators use rate ÷ 12, which is the American convention and overstates the payment by tens of dollars a month.

Below 20% down, default insurance is mandatory and is added to the loan rather than paid at closing: 2.80% at 85% loan-to-value, 3.10% at 90%, 4.00% at 95%. It is unavailable at or above $1.5M, which is why 20% is a hard floor there.

Not included: vacancy, property management, capital repairs, income tax, and the fact that a lender qualifies you at a stress-test rate rather than the one you are quoted. This is arithmetic on the numbers above, not a mortgage approval or an opinion of what you can afford.

Listed by ROYAL LEPAGE PROALLIANCE REALTY, BROKERAGE. Listing data provided by the Toronto Regional Real Estate Board.