130 Bay Lane, Edwardsburgh/Cardinal, ON

$634,900
MLS#:X13464232
3 beds
2 baths
700-1100 sqft
6.0 parking
Residential Freehold
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Property Highlights

Welcome to this remarkable Bungalow detached located in the coveted neighborhood of 807 - Edwardsburgh/Cardinal Twp. Expertly crafted featuring premium vinyl siding construction, this residence presents an exceptional opportunity offered at $634,900 to acquire a beautiful home in a highly sought-after setting. Designed for both comfortable daily living and elegant entertaining, the layout maximizes natural light, functional flow, and lifestyle utility.

  • 3 Bedrooms and 2 Bathrooms
  • Generous living space spanning 700-1100 sqft on a premium 60 x 176.14 ft lot
  • 6.0 total parking spaces available
  • Notable attributes: Bar Fridge, Primary Bedroom - Main Floor, Water Treatment
  • Efficient baseboard heating via propane

Description

Welcome to waterfront living on the St. Lawrence River. This beautifully maintained turnkey 4-season cottage offers the perfect opportunity to enjoy life on the water year-round. Situated on a stunning waterfront lot with calm, shallow water ideal for swimming, kayaking and family fun, the property showcases breathtaking unobstructed sunset views and incredible 180-degree water views from inside the home. Whether you're looking to simplify your lifestyle, enjoy a family getaway or invest in a property with Airbnb potential, this home offers endless possibilities. Outside you'll find a long laneway for your vehicles, boats/trailers, large workshop shed w/hydro, a porch connected directly to a spacious multi-level deck and an interlocked front patio creating multiple spaces to relax and entertain. Inside, the waterfront side of the home is lined with sliding patio doors, filling the living spaces with natural light and panoramic river views. Updated kitchen features quartz countertops, a large island, extended breakfast bar and a built-in pet area. The open-concept layout includes a spacious dining area, cozy living room with a propane stove fireplace and a flexible bonus space perfect for a reading nook or games area. A powder room near the entrance adds convenience. The home offers 3 generously sized bedrooms and a full bathroom w/stackable laundry. Major updates include a reconstructed seawall (2016), regraded front and back yard (2018), interlock patio (2018), kitchen renovation (2019), new deck and tin roof (2024), regraded driveway (2025) and cottage levelling (2025). Rare opportunity to own a move-in-ready waterfront property where memories are made and sunsets never get old. 10 mins to groceries, amenities, hwy 416 & intl. bridge to New York, 5 mins to hwy 401. With potential to sleep 10 guests, this property is ideal for aspiring Airbnb hosts. Select furnishings (beds, couch + more) and kitchen essentials may remain with the home. List available upon request.

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Key Features

Bedrooms
3
Bathrooms
2
Kitchens
1
Living Area
700-1100 sqft
Property Type
Residential Freehold

Additional Details

StatusTerminated
Listed Date6/18/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural StyleBungalow
ConstructionVinyl Siding
BasementNone
Lot Size60 × 176.14 Feet
CountyLeeds and Grenville
Annual Tax$3,190.66
Legal DescriptionPT BOLTON ISLAND IN THE ST. LAWRENCE RIVER LYING IN FRONT OF LT 13 CON 1 EDWARDSBURGH PT 1, 15R10277; EDWARDSBURGH/CARDINAL

Parking & Garage

Parking Spaces6.0
Garage Spaces6
Garage TypeNone

Heating & Cooling

Heat SourcePropane
Heat TypeBaseboard
CoolingNone

Features

Property Features

Interior Features

Bar Fridge, Primary Bedroom - Main Floor, Water Treatment

Security Features

Community Features

Location

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130 Bay Lane, Edwardsburgh/Cardinal, ON
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Property History

No historical data available for this property.

This could be the first listing for this address.

Pricing & Value Insights

Data-driven valuation for 130 Bay Lane, Edwardsburgh/Cardinal, ON K0E 1E0

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

Market Speed
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Mortgage & Affordability Audit

Calculate your monthly payment, minimum downpayment, and land transfer taxes for this home in Edwardsburgh/Cardinal.

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Interest Rate5.25%
Down Payment$38,490 (6.1%)
* Minimum Canadian down payment required for this price is $38,490.
Amortization Period25 Years
Estimated Monthly Payment$3,554Based on a loan of $596,410 over 25 years.
Purchase Price$634,900
Loan Amount$596,410
Provincial Land Transfer Tax:$9,173
Total Estimated Closing Taxes:$9,173

About Purchasing a Home in Edwardsburgh/Cardinal, ON

For a property listed at $634,900 in Edwardsburgh/Cardinal, the legal minimum down payment is $38,490 under current Canadian banking regulations. This calculation applies a 5% requirement on the first $500,000, 10% on the next $499,999, and a flat 20% on any amount exceeding $1,000,000.

Additionally, buyers in Ontario must budget for the Provincial Land Transfer Tax, which is estimated at $9,173 for this transaction. As this listing is in Edwardsburgh/Cardinal (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $9,173.

Nearby Listings

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City & Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for Edwardsburgh/Cardinal.

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$543,904

People & Families

Age Distribution

Household Composition

One-person households
25%
Families with children
50%
Couples without children
24%
Other households
0%

Top Ethnic Origins

Chinese11%
English9%
Indian9%
Irish8%

Local Schools Guide

Elementary Schools

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Secondary Schools

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Homes & Housing

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied65%
Rented35%

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Notice: Market Insights are generated by analyzing real-time data and should be used for informational purposes only. Consult with a licensed professional for exact valuations.

Disclaimer: AI Insights are generated by an automated system and should be used for informational purposes only. While we strive for accuracy using current market data and deep-learning models, these assessments do not constitute professional real estate, legal, or financial advice. All property values, predictions, and scores are estimates. We strongly recommend verifying all property details and conducting independent due diligence with a licensed professional before making any purchase decisions.