20 Bay Street, Rideau Lakes, ON

$899,000
MLS#:X13589334
2 beds
3 baths
1100-1500 sqft
6.0 parking
Residential Freehold
20 Bay Street, Rideau Lakes, ON K0G 1P0

Property Highlights

Welcome to this remarkable Bungalow detached located in the coveted neighborhood of 826 - Rideau Lakes (Newboro) Twp. Expertly crafted featuring premium wood construction, this residence presents an exceptional opportunity offered at $899,000 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.

  • 2 Bedrooms and 3 Bathrooms
  • Generous living space spanning 1100-1500 sqft on a premium 122.5 x 303.03 ft lot
  • Features a walk-out, partially finished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 6.0 total parking spaces available with a convenient detached configuration
  • Notable attributes: None
  • equipped with central air central cooling and highly efficient forced air heating via propane

Description

Welcome to your four season waterfront home in the historic village of Newboro, situated between Ottawa and Kingston. This 2 bedroom, 3 bathroom customized Viceroy, Belmont Model home, is built on a super insulated Integrated Concrete Foundation (ICF), was completed in 2015, and finished with high quality materials. It has the added benefit of a partially finished, walkout basement, with both levels of the house looking out over the lake, just 100ft away. Enjoy the high-speed fibre internet to the house, which is ideal for those working from home, but generally provides clean reliable access for all your needs. Situated on 110 feet of shoreline on Newboro Lake, this property offers direct access to the UNESCO World Heritage Rideau Canal system. Enjoy seamless, lock-free navigation to 6 additional lakes right from your own private dock. Open-concept main floor with vaulted ceilings and panoramic lake views. Chef's kitchen features brand-name appliances, a large wood top island, walk-in pantry, and abundant cabinetry. Premium solid hardwood and tile flooring, plus upscale fixtures throughout. The primary suite offers a 3 piece ensuite and custom designed walk-in closet with convenient laundry. Enjoy a full-width lakeview deck leading to a 10 x 13 screened sunroom, with added access from the Great room. The walkout lower level with lake views is semi-finished with a family room, den, new 3-piece bath, and more. Outside, custom stone retaining walls and established perennial gardens create a beautiful setting. Includes a state-of-the-art Waterloo Biofilter septic system, inspected and maintained yearly, and a detached 20 x 18 garage with space for 2 cars. Walk to the local Medical Centre, restaurants, and the iconic Kilborn store.

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Property Summary

This detached home located at 20 Bay Street, Rideau Lakes is currently for sale and has been available on SousaSells for 16 days. This property is listed at $899,000 with an estimated mortgage of $2,992* per month. It has 2 beds, 3 bathrooms, and is 1100-1500 square feet. 20 Bay Street, Rideau Lakes is in the 826 - Rideau Lakes (Newboro) Twp neighborhood.

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* Estimated mortgage assumes a 30% down payment, 4.00% interest rate, and 30-year amortization.
Is this a Good Home for Families?

Yes! Featuring 2 bedrooms and 3 bathrooms, this home offers ample space and comfort for growing families in 826 - Rideau Lakes (Newboro) Twp, Rideau Lakes.

Highly Recommended for Families
What We Love About This Home
  • 2 spacious bedroom layout offering versatile living space
  • 3 well-appointed bathrooms
  • 1100-1500 sqft of generous functional square footage
Standout Features & Layout
Who Should Buy This Home?

First-time home buyers, professionals, or investors seeking value.

Target Buyer Match

Key Features

Bedrooms
2
Bathrooms
3
Kitchens
1
Living Area
1100-1500 sqft
Property Type
Residential Freehold

Additional Details

StatusPrice Change
Listed Date7/21/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural StyleBungalow
ConstructionWood
BasementWalk-Out, Partially Finished
Lot Size122.5 × 303.03 Feet
CountyLeeds and Grenville
Annual Tax$4,722.63
Legal DescriptionPT LT 28 S/S WATER ST PL 72 AS IN LR379115; S/T LR379115; RIDEAU LAKES

Parking & Garage

Parking Total6.0
Parking Space4
Garage TypeDetached

Heating & Cooling

Heat SourcePropane
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

  • Waterfront

Interior Features

  • None

Security Features

None listed

Community Features

None listed

Frequently Asked Questions about 20 Bay Street, Rideau Lakes, ON

Q.What is the asking price for 20 Bay Street, Rideau Lakes, ON ?

The current listing price for 20 Bay Street, Rideau Lakes, ON in 826 - Rideau Lakes (Newboro) Twp, Rideau Lakes is $899,000.

Q.How many bedrooms and bathrooms does this property have?

This property features 2 bedrooms and 3 bathrooms across approximately 1100-1500 sqft.

Q.What property type and architectural style is 20 Bay Street, Rideau Lakes, ON ?

20 Bay Street, Rideau Lakes, ON is a Detached (Bungalow) featuring a Walk-Out, Partially Finished basement.

Q.What key property features does 20 Bay Street, Rideau Lakes, ON offer?

Key property features include: Waterfront.

Q.What interior features are included in this home?

Interior highlights include: None.

Q.Is parking available at this property?

Yes, this property offers parking space for 6.0 vehicles (Detached).

Q.What heating and cooling systems are installed?

Heating is provided via Propane and cooling via Central Air.

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Location

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20 Bay Street, Rideau Lakes, ON

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Property History

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This could be the first listing for this address.

Pricing & Value Insights

Data-driven valuation for 20 Bay Street, Rideau Lakes, ON K0G 1P0

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

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Mortgage & Affordability Audit

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

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Interest Rate4.00%
Down Payment$269,700 (30.0%)
* Minimum Canadian down payment required for this price is $64,900.
Amortization Period30 Years
Estimated Monthly Payment$2,992Based on a loan of $629,300 over 30 years.
Purchase Price$899,000
Loan Amount$629,300
Provincial Land Transfer Tax:$14,455
Total Estimated Closing Taxes:$14,455

About Purchasing a Home in Rideau Lakes, ON

For a property listed at $899,000 in Rideau Lakes, the legal minimum down payment is $64,900 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 $14,455 for this transaction. As this listing is in Rideau Lakes (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $14,455.

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826 - Rideau Lakes (Newboro) Twp, Rideau Lakes Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for 826 - Rideau Lakes (Newboro) Twp, Rideau Lakes.

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$199,000

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%

Best Schools in 826 - Rideau Lakes (Newboro) Twp, Rideau Lakes

Elementary Schools

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Secondary Schools

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826 - Rideau Lakes (Newboro) Twp, Rideau Lakes Demographic Home information

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.