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2442 Bay Road, Champlain, ON K0B 1K0

3+1 beds · 4 baths · 1+1 kitchens · 16 rooms · 12 parking spaces · 2500-3000 sq ft · Laundry on the main level level · Detached
$1,399,000
Property tax
$7,760 / year

A RARE BEACH/WATERFRONT OPPORTUNITY WITH ROOM TO DREAM! Set on an impressive 1.41-acre beachfront waterfront property, this exceptionally large all-brick home offers approximately 4,861 sq. ft. of living space-an incredible amount of space and potential in a truly special setting.The home features 3+1 bedrooms, 3.5 bathrooms, a double attached garage and natural gas heating, along with generously sized principal rooms throughout. The grand living room makes a lasting impression with its soaring cathedral beam ceiling and wood-burning fireplace, creating a wonderful sense of scale and character.While the home reflects its original era and is ready for updating, its size, solid all-brick construction, expansive layout and extraordinary waterfront location provide an exciting opportunity to transform it into something truly remarkable. Imagine reimagining the interiors to suit your own style while preserving the features that make this property so difficult to replicate.Outside, the grounds gently slope toward the water, creating a natural connection to the beachfront and waterfront setting without the property being situated on a hill. With generous land, substantial living space and the water at your doorstep, this is a property where vision can turn existing potential into something exceptional.For buyers looking for more than a move-in-ready home-for those who see the possibilities-this is an opportunity to create something truly special in an unforgettable waterfront setting.

MLS number
X13787824
Type
Detached
Status
Active
Bedrooms
4
Bathrooms
4
Postal code
K0B 1K0
Photos
39
Laundry
Main Level level
1days · 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.

The market around this home

Detached houses in Champlain — 186 sales over the last five years. Too few sold in this community to chart it on its own, so this is the whole city.

Median sold priceWhat comparable homes actually sold for
$408k$913k$1.42M20252026this home’s asking price
$570klatest quarter · hover to read any
Sold vs askingAbove 100% means bidding wars were normal
95%98%100%20252026the asking price
97%latest quarter · hover to read any
Days to sellMedian days on market before the deal closed
-1d32d64d20252026
29dlatest 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 champlain. 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 605 people.

$90,000Median household income
94.8%Own their home
98.2%Detached houses
58.8Median age
4%Born outside Canada
27.6%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35020096 — the few blocks around this address, home to 605 people. It describes the area, not this property.

605Population
53.6Average age
2.1Household size
$114,000Average household income
$90,000Median household income
95%Own their home
5%Rent
0%Condominiums
4%Born outside Canada
28%University degree
$468,000Average home value
8%Low income
90%Not in the labour force
18%Never married
$10,000 to $14,9991%
$20,000 to $24,9992%
$25,000 to $29,9992%
$30,000 to $34,9991%
$35,000 to $39,9991%
$40,000 to $44,9992%
$45,000 to $49,9995%
$50,000 to $59,9995%
$60,000 to $69,9996%
$70,000 to $79,9994%
$80,000 to $89,9994%
$90,000 to $99,9994%
$100,000 and over31%
$100,000 to $124,9999%
$125,000 to $149,9996%
$150,000 to $199,9997%
$200,000 and over9%

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.

$279,800 · minimum here is $114,900
$6,194.47per month
Borrowed before insurance$1,119,200
Total borrowed$1,119,200
Interest over 25 years at 4.5%$739,141

If you rented it out

-$6,841.14per month out of pocket
Rent$0.00
Everything it costs to hold$6,841.14
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 PERFORMANCE REALTY. Listing data provided by the Toronto Regional Real Estate Board.