Homula Realty Brokerage
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664 Raby Road, Tay Valley, ON K0H 2B0

3 beds · 1 bath · 1 kitchen · 7 rooms · 2 parking spaces · 700-1100 sq ft · Detached
$294,000

Welcome to your waterfront retreat on beautiful Bennett Lake. Lovingly maintained, this charming three-bed, one-bath cottage offers the perfect balance of comfort and timeless cottage living. Step inside to a bright, welcoming interior where abundant natural light pours through new windows installed in 2025. The kitchen has also been updated with a new refrigerator and stove (2025), adding modern convenience to this inviting cottage. Framed by picturesque lake views, the airy living spaces create a warm and welcoming atmosphere throughout. Thoughtfully cared for and move-in ready, this cottage allows you to begin enjoying the waterfront lifestyle from the moment you arrive. Designed for making the most of outdoor living, the spacious open deck is ideal for entertaining, outdoor dining, or simply relaxing while taking in the peaceful surroundings. Just off the living room, the gazebo seamlessly extends the living space outdoors, providing the perfect setting for your morning coffee, an afternoon with a good book, or evening gatherings with family and friends. The waterfront has been enhanced with newly renewed cement steps, providing easy and secure access to the lake. The property is also well equipped with three storage sheds, offering ample space for recreational gear and seasonal equipment, as well as a private dock ready for swimming, fishing, boating, and endless days spent on the water. For added convenience and peace of mind, the lake intake system is equipped with both a UV purification system and a sediment filter. Renowned for its scenic shoreline and exceptional recreational opportunities, Bennett Lake stretches approximately 16 km through Eastern Ontario's picturesque cottage country. Combined with its tranquil setting and convenient proximity to Perth and surrounding communities, this property offers an exceptional opportunity to enjoy the very best of waterfront living.

MLS number
X13507752
Type
Detached
Status
Active
Bedrooms
3
Bathrooms
1
Postal code
K0H 2B0
Photos
49
Laundry
Not in the unit
76days · 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 694 people.

$82,000Median household income
88.7%Own their home
100%Detached houses
56.8Median age
4.5%Born outside Canada
14.1%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35090160 — the few blocks around this address, home to 694 people. It describes the area, not this property.

694Population
48.7Average age
2.3Household size
$90,000Average household income
$82,000Median household income
89%Own their home
11%Rent
0%Condominiums
5%Born outside Canada
14%University degree
$392,000Average home value
9%Low income
64%Not in the labour force
14%Never married
$15,000 to $19,9991%
$20,000 to $24,9992%
$25,000 to $29,9992%
$30,000 to $34,9994%
$35,000 to $39,9992%
$40,000 to $44,9992%
$45,000 to $49,9992%
$50,000 to $59,9995%
$60,000 to $69,9997%
$70,000 to $79,9995%
$80,000 to $89,9995%
$90,000 to $99,9996%
$100,000 and over28%
$100,000 to $124,99911%
$125,000 to $149,9996%
$150,000 to $199,9997%
$200,000 and over2%

Percentages are of the 410 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.

$58,800 · minimum here is $14,700
$1,301.77per month
Borrowed before insurance$235,200
Total borrowed$235,200
Interest over 25 years at 4.5%$155,331

If you rented it out

-$1,301.77per month out of pocket
Rent$0.00
Everything it costs to hold$1,301.77
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 CENTURY 21 SYNERGY REALTY INC.. Listing data provided by the Toronto Regional Real Estate Board.