54 Carter Road, Northern Bruce Peninsula, ON

$890,000
MLS#:X13114502
3 beds
1 baths
700-1100 sqft
4.0 parking
Residential Freehold
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Property Highlights

Welcome to this remarkable Bungalow detached located in the coveted neighborhood of Northern Bruce Peninsula. Expertly crafted featuring premium wood construction, this residence presents an exceptional opportunity offered at $890,000 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 1 Bathroom
  • Generous living space spanning 700-1100 sqft on a premium 100 x 188 ft lot
  • Features a crawl space basement, adding superb versatility for recreation, a home gym, or extra storage
  • 4.0 total parking spaces available
  • Notable attributes: Generator - Full
  • Efficient baseboard heating via electric

Description

Surrounded by mature evergreens and some hardwood bush, this well maintained year round waterfront home, located on the shores of Georgian Bay in beautiful Cape Chin South. This three bedroom, four piece bathroom home, dimensions being 28'X 36', 1020 square feet, was custom built by the owner and has been meticulously cared for over the years. The property is heavily treed with mature cedar, spruce, pine, ironwood, maple and birch and is beautifully landscaped with gardens throughout. There are custom stone patios, pergolas, a mini basketball court, seven seating areas, a covered pavilion, a firepit at the water's edge to enjoy the fabulous cape to cape views that the bay has to offer. The interior of the home is warm and inviting that features an open concept living area, with Birch hardwood flooring; walkout to spacious deck from living area. There is a cozy propane fireplace with stone surround and space for overhead media. The propane fireplace easily heats the home and there is electric baseboard heat for the bedrooms. The eat-in kitchen area has lovely cherry-finished cabinetry, travertine stone backsplash, two ventilating skylights which provide plenty of natural light and with a walkout to patio. The bedrooms are of good size; the primary bedroom has a walk-in closet; the four piece (recently renovated) bathroom has in-floor heat. Separate laundry room. The exterior of the home is cedar siding, the roof was re-shingled in 2007 with 40 year premium asphalt shingles over ice-block wrapping and double plywood sheathing. There is a wired Generac that powers the home in case of a power outage. Property is located on a year round municipal road. The trails are nearby. If you're looking for a great waterfront escape, surrounded by nature, here's a good place to make this your home or cottage getaway. Taxes: $4534.00. The property is a pleasure to show! Please do not enter the property without an appointment.

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Key Features

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

Additional Details

StatusActive
Listed Date5/11/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural StyleBungalow
ConstructionWood
BasementCrawl Space
Lot Size100 × 188 Feet
CountyBruce
Annual Tax$4,534
Legal DescriptionPT LT 12 CON 9 EBR LINDSAY PT 17, R159; NORTHERN BRUCE PENINSULA

Parking & Garage

Parking Spaces4.0
Garage Spaces2
Garage TypeNone

Heating & Cooling

Heat SourceElectric
Heat TypeBaseboard
CoolingNone

Features

Property Features

Lake Access, School Bus Route, Wooded/Treed, Part Cleared

Interior Features

Generator - Full

Security Features

Carbon Monoxide Detectors, Smoke Detector, Security System

Community Features

Location

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54 Carter Road, Northern Bruce Peninsula, 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 54 Carter Road, Northern Bruce Peninsula, ON N0H 1W0

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 Northern Bruce Peninsula.

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Interest Rate5.25%
Down Payment$64,000 (7.2%)
* Minimum Canadian down payment required for this price is $64,000.
Amortization Period25 Years
Estimated Monthly Payment$4,922Based on a loan of $826,000 over 25 years.
Purchase Price$890,000
Loan Amount$826,000
Provincial Land Transfer Tax:$14,275
Total Estimated Closing Taxes:$14,275

About Purchasing a Home in Northern Bruce Peninsula, ON

For a property listed at $890,000 in Northern Bruce Peninsula, the legal minimum down payment is $64,000 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 $14,275 for this transaction. As this listing is in Northern Bruce Peninsula (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $14,275.

Nearby Listings

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City & Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for Northern Bruce Peninsula, Northern Bruce Peninsula.

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$701,762

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.