Homula Realty Brokerage
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15 & 17 Janet Lane, Carling, ON P0G 1G0

3 beds · 3 baths · 1 kitchen · 10 rooms · 8 parking spaces · 2500-3000 sq ft · Laundry on the main level level · Detached
$4,299,000
Property tax
$9,225 / year

Welcome to Harmony Bay-a name that truly says it all. Here, the pace of life slows, the soundsof nature surround you, and sweeping views over the open waters of Georgian Bay quiet the mindand restore the soul.A four-season masterpiece of Mennonite timber-frame craftsmanship, Harmony Bay strikes theperfect balance between cozy and expansive. The thoughtfully designed open-concept layoutmaximizes the spectacular water views, creating a home that feels both intimate and grand. Thesouth wing is dedicated to a sun-filled room that you'll want to enjoy from morning throughevening. Stunning heated granite floors lead to panoramic window walls, while a striking 360-degree wood-burning fireplace anchors the space, offering both exceptional beauty andfunctionality. Step outside onto the expansive deck, complete with a covered outdoorkitchen-perfect for entertaining, dining, and enjoying endless summer evenings in style. Abrand-new 40-foot dock and gangway with deep-water access sit within a protected harbour,making it ideal for boating, swimming, and waterfront adventures. Two white-sand beaches,nestled between rugged rock outcroppings, create the perfect setting for endless hours offamily fun-for kids and the kids at heart. A covered porch, beautifully landscaped pathways,and mature natural surroundings lead to a newer three-season bunkie, offering an invitingretreat for guests, quiet mornings, or unforgettable summer nights. Harmony Bay is more than ahome-it's a place to slow down, reconnect, and savour everything Georgian Bay has to offer.

MLS number
X13754250
Type
Detached
Status
Active
Bedrooms
3
Bathrooms
3
Postal code
P0G 1G0
Photos
42
Laundry
Main Level level
5days · 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.

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 843 people.

$79,500Median household income
91.5%Own their home
98.7%Detached houses
58.4Median age
9.1%Born outside Canada
24.2%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35490209 — the few blocks around this address, home to 843 people. It describes the area, not this property.

843Population
52Average age
2.1Household size
$104,000Average household income
$79,500Median household income
92%Own their home
9%Rent
0%Condominiums
9%Born outside Canada
24%University degree
$736,000Average home value
11%Low income
88%Not in the labour force
17%Never married
$5,000 to $9,9991%
$15,000 to $19,9991%
$20,000 to $24,9992%
$25,000 to $29,9992%
$30,000 to $34,9992%
$35,000 to $39,9993%
$40,000 to $44,9992%
$45,000 to $49,9995%
$50,000 to $59,9998%
$60,000 to $69,9998%
$70,000 to $79,9995%
$80,000 to $89,9996%
$90,000 to $99,9994%
$100,000 and over28%
$100,000 to $124,99911%
$125,000 to $149,9995%
$150,000 to $199,9994%
$200,000 and over6%

Percentages are of the 525 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.

$859,800 · minimum here is $859,800
$19,035.04per month
Borrowed before insurance$3,439,200
Total borrowed$3,439,200
Interest over 25 years at 4.5%$2,271,313

If you rented it out

-$19,803.79per month out of pocket
Rent$0.00
Everything it costs to hold$19,803.79
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 Sotheby's International Realty Canada. Listing data provided by the Toronto Regional Real Estate Board.