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109 Dahl Street, Georgian Bluffs, ON N0H 2T0

3 beds · 2 baths · 1 kitchen · 7 rooms · 5 parking spaces · 700-1100 sq ft · Detached
$999,999
Property tax
$4,883 / year

COTTAGE PLUS ADDITIONAL VACANT LOT. Welcome to your own slice of Georgian Bay paradise. Tucked away on a private road and surrounded by beautifully landscaped grounds, this exceptional waterfront retreat offers the perfect blend of privacy, relaxation, and unforgettable views. From sunrise coffees to sunset evenings by the water, every inch of this property is designed to embrace the beauty of Georgian Bay living. The outdoor spaces are truly the complete package - featuring expansive waterfront decking, multiple entertaining areas, a covered gazebo for shaded summer gatherings, and a charming guest bunkie perfect for hosting family and friends. With crystal-clear waters and panoramic bay views that feel straight out of the Caribbean, this property delivers the ultimate cottage lifestyle. Inside, the home welcomes you with a bright and airy atmosphere, soaring windows that perfectly frame the breathtaking waterfront, and exposed timber accents that create an authentic cottage feel with warmth and character throughout. The updated kitchen features granite counter tops, an apron-front sink, and clean timeless finishes that complement the natural surroundings. Thoughtfully designed for comfort and convenience, the home also offers a main floor bedroom and laundry, making everyday living effortless. Whether you're looking for a year-round residence or a stunning waterfront getaway, this Georgian Bay retreat is a rare opportunity to experience exceptional shoreline living in one of Ontario's most sought-after destinations. Vacant lot next door with the fire pit and shed is being included in the price, the lot is currently separate from the cottage, it could be merged or you could re sell the lot.

MLS number
X13468890
Type
Detached
Status
Active
Bedrooms
3
Bathrooms
2
Postal code
N0H 2T0
Photos
42
Laundry
Not in the unit
87days · 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.

Approximate — placed from the postal code, which can cover a block or more.

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.

The market around this home

Detached houses in Georgian Bluffs — 213 sales over the last five years.

Median sold priceWhat comparable homes actually sold for
$577k$792k$1.01M20252026this home’s asking price
$760klatest quarter · hover to read any
Sold vs askingAbove 100% means bidding wars were normal
95%98%100%20252026the asking price
96%latest quarter · hover to read any
Days to sellMedian days on market before the deal closed
-2d56d115d20252026
38dlatest quarter · hover to read any
How these are built, and what they cannot tell you

Each point is the median of the sales that closed in that quarter among detached houses in georgian bluffs. A quarter with fewer than eight is left out rather than drawn, and the line breaks where that happens — a median over three sales is really one home’s price, and joining across a gap would draw a number nobody measured.

This is not an estimate of what this home is worth. The segment is a property type in an area; it takes no account of this home’s size, condition, renovations, lot, exposure or how it compares to its neighbours, and half the homes in any quarter sold for more than the median and half for less. It is context for a conversation with an agent, not a valuation.

Toronto Regional Real Estate Board closed transactions. Deemed reliable but not guaranteed accurate by PropTx.

This neighbourhood

Statistics Canada 2021 Census, for the surrounding few blocks — about 955 people.

$79,000Median household income
95.1%Own their home
98.9%Detached houses
61.2Median age
9.5%Born outside Canada
17.4%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35410249 — the few blocks around this address, home to 955 people. It describes the area, not this property.

955Population
54.5Average age
2.1Household size
$91,600Average household income
$79,000Median household income
95%Own their home
5%Rent
0%Condominiums
10%Born outside Canada
17%University degree
$582,000Average home value
9%Low income
12%Never married
$5,000 to $9,9991%
$15,000 to $19,9991%
$20,000 to $24,9992%
$25,000 to $29,9993%
$30,000 to $34,9992%
$35,000 to $39,9993%
$40,000 to $44,9994%
$45,000 to $49,9993%
$50,000 to $59,9996%
$60,000 to $69,9998%
$70,000 to $79,9996%
$80,000 to $89,9997%
$90,000 to $99,9996%
$100,000 and over25%
$100,000 to $124,99912%
$125,000 to $149,9994%
$150,000 to $199,9996%
$200,000 and over3%

Percentages are of the 595 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.

$200,000 · minimum here is $75,000
$4,427.78per month
Borrowed before insurance$799,999
Total borrowed$799,999
Interest over 25 years at 4.5%$528,334

If you rented it out

-$4,834.69per month out of pocket
Rent$0.00
Everything it costs to hold$4,834.69
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 Sutton-Sound Realty. Listing data provided by the Toronto Regional Real Estate Board.