Homula Realty Brokerage
The information provided herein must only be used by consumers that have a bona fide interest in the purchase, sale, or lease of real estate and may not be used for any commercial purpose or any other purpose.

0 Island Lake Road, Kearney, ON P0A 1M0

2 beds · 1 bath · 1 kitchen · 8 rooms · 20 parking spaces · < 700 sq ft · Detached
$429,000
Property tax
$1,886 / year

Escape to your own private wilderness retreat with this charming 2-bedroom rustic off-grid cottage, nestled on 10 acres of pristine natural landscape. Accessible by water, this unique property offers the perfect blend of seclusion, tranquility, and sustainable living, making it an ideal getaway for nature lovers, outdoor enthusiasts, and those seeking a peaceful escape from the everyday. Surrounded by mature trees and wildlife, the cottage provides a warm and inviting atmosphere with comfortable living spaces and authentic rustic character. Large windows and southern exposure bring in natural light and showcase beautiful views of the surrounding forest and the island dotted lake. Designed for self-sufficient living, the property is powered by a solar panel system and a propane stove allowing you to enjoy modern conveniences while minimizing your environmental footprint. Additional off-grid features include a composting toilet, traditional outhouse, and refreshing outdoor shower, creating a true cottage-country experience. The expansive 10-acre parcel offers endless opportunities to explore, hike, relax, and connect with nature. Enjoy your mornings with a coffee on the deck, spend your days fishing, paddling, swimming, or simply unwinding in the serenity of your private Algonquin Park like surroundings, and end your evenings gathered around a campfire under a sky full of stars. Whether you're looking for a seasonal family retreat, a recreational property, or a quiet place to disconnect and recharge, this rare water-access cottage delivers privacy, adventure, and the timeless charm of off-grid living. Experience the beauty of nature and the freedom of cottage life in this exceptional waterfront escape.

MLS number
X13441830
Type
Detached
Status
Active
Bedrooms
2
Bathrooms
1
Postal code
P0A 1M0
Photos
34
Laundry
Not in the unit
93days · 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 4 times.

Sale history is for registered usersSee what this address sold for and when, across all 4 listings. Free account — the board’s rules require one before sold data can be shown.Create a free account

Where this property is

This address could not be placed on the mapHomula matches addresses against open government address data, and this one found no match — so the map, the nearby schools and the school boundaries are all unavailable for this listing. It is a gap in our data, not a property without schools nearby.

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.

Work out the numbers

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

$85,800 · minimum here is $21,450
$1,899.52per month
Borrowed before insurance$343,200
Total borrowed$343,200
Interest over 25 years at 4.5%$226,656

If you rented it out

-$2,056.69per month out of pocket
Rent$0.00
Everything it costs to hold$2,056.69
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 Lakes Of Muskoka Realty. Listing data provided by the Toronto Regional Real Estate Board.