Homula Realty Brokerage
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56 ZORRA Drive, Northern Bruce Peninsula, ON N0H 2R0

4 beds · 1 bath · 1 kitchen · 3 rooms · 8 parking spaces · 1100-1500 sq ft · Detached
$765,000
Property tax
$3,382 / year

Discover a rare four-season waterfront retreat on Cape Hurd Channel, where the Bruce Peninsula meets the clear waters of Georgian Bay. This 4-bedroom, 1-bath bungalow offers a balanced blend of peace, recreation, and convenience, just minutes from Tobermory and its renowned attractions.The waterfront is the true highlight. A flat rock shoreline provides easy, gradual entry for swimmers of all ages and is ideal for paddleboarding, kayaking, snorkeling, and diving. Enter directly into Georgian Bay and explore a remarkable piece of history - an 1870s shipwreck resting just offshore, offering a rare glimpse into the area's maritime past. Enjoy wide, unobstructed views across Cape Hurd Channel as shifting light transforms the water throughout the day.Designed for year-round use, the well-maintained home features a bright open-concept layout with a spacious kitchen, comfortable living areas, and a striking fieldstone wood-burning stove that adds warmth and character. Recent upgrades include Starlink internet, smart thermostats, a spray-foamed crawl space, and newer windows and doors. The property is offered fully furnished for a seamless, turnkey transition.Outdoors, mature trees, winding pathways, and multiple gathering spaces create a private natural setting. Relax in the waterfront hot tub, entertain on the expansive deck, or gather around the firepit as the sun sets over the bay.Ideally located, the property offers quick access to Tobermory village, Bruce Peninsula National Park, The Grotto, Singing Sands Beach, Nature Conservancy trails, marina services, dive charters, kayak rentals, and the Chi-Cheemaun ferry.Located within one of Ontario's premier dark sky regions, nights offer exceptional stargazing, with frequent views of the Milky Way and occasional northern lights from the shoreline.A rare opportunity to own a fully turnkey, four-season Georgian Bay waterfront retreat where natural beauty, recreation, and relaxation meet.

MLS number
X13493754
Type
Detached
Status
Active
Bedrooms
4
Bathrooms
1
Postal code
N0H 2R0
Photos
50
Laundry
Not in the unit
80days · 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

No previous listings found for this address.

Where this property is

Where this address sits, matched against open government data.

Matched to a published address point for this address.

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 630 people.

$74,500Median household income
90.5%Own their home
98.4%Detached houses
60.4Median age
12.5%Born outside Canada
28%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35410145 — the few blocks around this address, home to 630 people. It describes the area, not this property.

630Population
54.3Average age
2Household size
$115,000Average household income
$74,500Median household income
91%Own their home
10%Rent
0%Condominiums
13%Born outside Canada
28%University degree
$650,000Average home value
8%Low income
13%Never married
$15,000 to $19,9991%
$20,000 to $24,9991%
$25,000 to $29,9994%
$30,000 to $34,9992%
$35,000 to $39,9994%
$40,000 to $44,9995%
$45,000 to $49,9994%
$50,000 to $59,9997%
$60,000 to $69,9997%
$70,000 to $79,9995%
$80,000 to $89,9996%
$90,000 to $99,9994%
$100,000 and over25%
$100,000 to $124,9999%
$125,000 to $149,9995%
$150,000 to $199,9995%
$200,000 and over6%

Percentages are of the 405 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.

$153,000 · minimum here is $51,500
$3,387.25per month
Borrowed before insurance$612,000
Total borrowed$612,000
Interest over 25 years at 4.5%$404,176

If you rented it out

-$3,669.09per month out of pocket
Rent$0.00
Everything it costs to hold$3,669.09
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 Chestnut Park Real Estate. Listing data provided by the Toronto Regional Real Estate Board.