111 Bay Street, South Bruce Peninsula, ON

$489,000
MLS#:X12412177
4 beds
1 baths
1100-1500 sqft
2.0 parking
Residential Freehold
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Property no longer active

This property was sold on October 3, 2025. This listing is for reference purposes only. to view the sold price.

Property Highlights

Welcome to this remarkable 1 1/2 Storey detached located in the coveted neighborhood of South Bruce Peninsula. Expertly crafted featuring premium wood construction, this residence presents an exceptional opportunity offered at $489,000 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.

  • 4 Bedrooms and 1 Bathroom
  • Generous living space spanning 1100-1500 sqft on a premium 66 x 165 ft lot
  • 2.0 total parking spaces available
  • Notable attributes: Water Heater Owned
  • Efficient radiant heating via oil

Description

First time offered since 1910! This charming 3-season cottage has been in the same family for generations and is full of unique character and personality. With 4 bedrooms and 1 bathroom, its the perfect retreat to gather and unwind. The primary upstairs bedroom includes walkout balcony access, offering a peaceful spot to enjoy the surroundings. From the property you'll enjoy great views of Lake Huron, and just across the road is convenient beach access for swimming, sunsets, and shoreline walks. A garden shed adds extra utility to this artsy, one of a kind property.

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Property Summary

This detached home located at 111 Bay Street, South Bruce Peninsula is currently for sale and has been available on SousaSells for 302 days. This property is listed at $489,000 with an estimated mortgage of $1,628* per month. It has 4 beds, 1 bathroom, and is 1100-1500 square feet. 111 Bay Street, South Bruce Peninsula is in the South Bruce Peninsula neighborhood.

* Estimated mortgage assumes a 30% down payment, 4.00% interest rate, and 30-year amortization.

Key Features

Bedrooms
4
Bathrooms
1
Kitchens
1
Living Area
1100-1500 sqft
Property Type
Residential Freehold

Additional Details

StatusSold
Sold DateOctober 3, 2025
Sold price information is available to members only
Listed Date9/18/2025
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural Style1 1/2 Storey
ConstructionWood
BasementNone
Lot Size66 × 165 Feet
CountyBruce
Annual Tax$2,119.33
Legal DescriptionLT 28 PL 518; SOUTH BRUCE PENINSULA

Parking & Garage

Parking Spaces2.0
Garage Spaces2
Garage TypeNone

Heating & Cooling

Heat SourceOil
Heat TypeRadiant
CoolingNone

Features

Property Features

Beach, Lake Access, Marina

Interior Features

Water Heater Owned

Security Features

Smoke Detector

Community Features

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Location

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111 Bay Street, South 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 111 Bay Street, South Bruce Peninsula, ON N0H 2T0

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.

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Mortgage & Affordability Audit

Calculate your monthly payment, minimum downpayment, and land transfer taxes for this home in South Bruce Peninsula.

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Interest Rate4.00%
Down Payment$146,700 (30.0%)
* Minimum Canadian down payment required for this price is $24,450.
Amortization Period30 Years
Estimated Monthly Payment$1,628Based on a loan of $342,300 over 30 years.
Purchase Price$489,000
Loan Amount$342,300
Provincial Land Transfer Tax:$6,255
Total Estimated Closing Taxes:$6,255

About Purchasing a Home in South Bruce Peninsula, ON

For a property listed at $489,000 in South Bruce Peninsula, the legal minimum down payment is $24,450 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 $6,255 for this transaction. As this listing is in South Bruce Peninsula (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $6,255.

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City & Neighborhood Guide

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

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$673,129

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.