4278 Deep Bay Road, Minden Hills, ON

$390,000
MLS#:X13531384
3 beds
2 baths
< 700 sqft
4.0 parking
Residential Freehold
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Property Highlights

Welcome to this remarkable Bungalow detached located in the coveted neighborhood of Lutterworth. Expertly crafted featuring premium wood construction, this residence presents an exceptional opportunity offered at $390,000 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 sqft on a spacious lot (Feet)
  • Features a finished with walk-out, full basement, adding superb versatility for recreation, a home gym, or extra storage
  • 4.0 total parking spaces available
  • Notable attributes: Primary Bedroom - Main Floor, Propane Tank
  • Efficient other heating via propane

Description

Affordable four-season waterfront living on Gull River in Minden! Whether you're searching for a year-round home or the perfect family cottage, this inviting property offers the ideal opportunity to enjoy life on the water with direct boating access to Gull Lake and the renowned Gull River system. Wake up to peaceful river views, launch your canoe, kayak or paddleboard from your own shoreline, or spend the afternoon floating downstream in the gentle current. The gradual sandy shoreline provides excellent swimming and is ideal for children, while boaters and anglers will appreciate the easy access into Gull Lake and one of Ontario's most sought-after recreational waterways. Best of all, you're only a 5-minute boat ride or 2-minute drive to downtown Minden for shopping, restaurants, groceries and everyday amenities. Inside, the warm rustic finishes create the perfect cottage atmosphere while offering all the comforts of four-season living. The main level features an open-concept kitchen, dining and living area designed for gathering with family and friends, along with two bedrooms, bathroom and convenient main floor laundry. Step out onto the upper deck overlooking the river-an ideal spot for morning coffee or evening sunsets. The fully finished walkout lower level offers a spacious family room, third bedroom, second bathroom and direct access to the waterfront yard. Outside, enjoy the level grassy space, patio stone seating area and plenty of room for outdoor entertaining or family games. Located on a year-round municipal road with easy access, this property is being offered nearly turnkey, allowing you to start enjoying the waterfront lifestyle immediately. Whether you're looking for a weekend retreat, year-round residence or investment in affordable waterfront living, this Gull River property is ready to welcome you.

Upcoming Open Houses

Saturday, July 11, 20261:00 PM - 3:00 PMPublic

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Key Features

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

Additional Details

StatusActive
Listed Date7/6/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural StyleBungalow
ConstructionWood
BasementFinished with Walk-Out, Full
CountyHaliburton
Annual Tax$1,618.9
Legal DescriptionPT RDAL ALONG THE SHORE OF GULL RIVER ANSON CLOSED BY H118884; PT LT 2 CON 1 ANSON AS IN H272914; S/T H272914; MINDEN HILLS

Parking & Garage

Parking Spaces4.0
Garage Spaces4
Garage TypeNone

Heating & Cooling

Heat SourcePropane
Heat TypeOther
CoolingNone

Features

Property Features

Beach, Lake Access, Park, Clear View, School Bus Route, River/Stream

Interior Features

Primary Bedroom - Main Floor, Propane Tank

Security Features

Community Features

Location

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4278 Deep Bay Road, Minden Hills, 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 4278 Deep Bay Road, Minden Hills, ON K0M 2K0

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

Market Speed
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Properties in this area are selling at a steady pace.

Market Trend
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Mortgage & Affordability Audit

Calculate your monthly payment, minimum downpayment, and land transfer taxes for this home in Minden Hills.

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Interest Rate5.25%
Down Payment$19,500 (5.0%)
* Minimum Canadian down payment required for this price is $19,500.
Amortization Period25 Years
Estimated Monthly Payment$2,208Based on a loan of $370,500 over 25 years.
Purchase Price$390,000
Loan Amount$370,500
Provincial Land Transfer Tax:$4,325
Total Estimated Closing Taxes:$4,325

About Purchasing a Home in Minden Hills, ON

For a property listed at $390,000 in Minden Hills, the legal minimum down payment is $19,500 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 $4,325 for this transaction. As this listing is in Minden Hills (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $4,325.

Nearby Listings

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City & Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for Lutterworth, Minden Hills.

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$677,130

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.