3098 Island 1040, Georgian Bay, ON P0E 1E0
Baxter, Georgian Bay · Near N/A · View map
About this home
With just a 1.5 hours drive from the GTA, you can be in beautiful Honey Harbour. From there it's a short 5 minute boat ride from any of the nearby marinas to this property. This 1500 square foot cottage features 4 bedrooms, 2 bathrooms, a kitchen, dining room, living room with wood stove and a large wrap around deck on the top level. There is also a deck on the lower level as well as out back, a large "barn" workshop with a loft that can be used for spillover sleeping as well as winter boat storage. The inlet is a nature lover's paradise with nearly no boat traffic and lots of wildlife. If you are a watersports enthusiast, there are great locations for that in the immediate vicinity. Georgian Bay offers unlimited boating so you can take a day trip over to the town of Midland or, if you're looking for a longer boat ride, you could head up to Henry's or Parry Sound.
The home
- Type
- Waterfront cottage
- Style
- 2-Storey
- Square footage
- 1500-2000 sq ft
- Bedrooms
- 4
- Bathrooms
- 2
- Kitchens
- 1
- Rooms
- 12
- Basement
- Crawl Space
- Lot size
- 200 x 284 ft
- Faces
- North
- View
- Bay, Forest, Lake, Water, Trees/Woods
Ownership & fees
- Ownership
- Freehold
- Monthly condo fee
- None
- Exterior
- Wood
Heating & cooling
- Heating fuel
- Electric
- Heating type
- Baseboard
- Fireplace
- Yes
Garage & parking
- Total parking
- None
Taxes & other
- Property taxes
- $2,689/yr
- Tax year
- 2025
- Occupancy
- Owner
- Possession
- Flexible
- Cross street
- N/A
- Neighbourhood
- Baxter
More
- Price per sq ft
- ~$343 (at 1,750 sq ft)
- MLS® number
- X12884008
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The home and its surroundings
- Water Heater Owned
- Water Treatment
- Deck
- Mortgage
- Property tax
- Maintenance fee
Cash needed to close
Estimates only, using Canadian semi-annual compounding, Ontario land transfer tax. Mortgage default insurance is added when you put down less than 20%. Your lender and lawyer will confirm exact numbers.
3098 Island 1040 N/A, Georgian Bay, ON P0E 1E0
Baxter, Georgian Bay · Near N/A
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Listing history for 3098 Island 1040 N/A
See what this home and others at the same address were listed for, what they sold for, and how long it took.
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Frequently asked questions about 3098 Island 1040
Answers come straight from this home’s MLS® listing.
How much is 3098 Island 1040 listed for, and what would it cost each month?
3098 Island 1040 is listed for $600,000. With 20% down ($120,000), the mortgage payment would be roughly $2,420 a month at 4.5% over 30 years. Add property tax and the estimate comes to about $2,644 a month, all in. That figure is an illustration, not a quote.
Is 3098 Island 1040 freehold or a condo, and is there a monthly fee?
3098 Island 1040 is a waterfront cottage in Baxter, Georgian Bay. Ownership is freehold: you own the home and the lot. There is no monthly condo fee, so the roof, windows, driveway, snow and lawn are yours to look after.
How many bedrooms and bathrooms does 3098 Island 1040 have?
3098 Island 1040 has 4 bedrooms and 2 bathrooms. The listing gives the style as 2-storey.
Does 3098 Island 1040 have a garage and parking?
The listing does not show a garage. The listing does not include a parking space.
Does 3098 Island 1040 have a finished basement?
The listing describes the basement as crawl space.
What style of home is 3098 Island 1040?
3098 Island 1040 is a waterfront cottage. A waterfront cottage has its own shoreline on a lake, river or bay, so the frontage, the shoreline and the way it faces matter as much as the building.
How big is 3098 Island 1040, and what is the lot size?
The listing puts the home between 1,500 and 2,000 sq ft. The board reports a range rather than an exact figure, and it usually leaves out the basement. The lot is listed as 200 x 284 ft.
How is 3098 Island 1040 heated and cooled?
Heating is baseboard (electric). The listing does not show air conditioning.
What are the property taxes for 3098 Island 1040?
Property taxes are $2,689 a year (2025), or about $224 a month.
Where is 3098 Island 1040?
3098 Island 1040 is in the Baxter community of Georgian Bay. The nearest main intersection is N/A. The postal code is P0E 1E0.
Is 3098 Island 1040 still for sale?
Yes. It is an active listing (MLS® X12884008). Listings here update from the board through the day and come down once a home sells.
What are similar cottages near 3098 Island 1040 asking?
Similar cottages for sale nearby right now include 1276 Island 980 at $649,000 (3 bed), 82 Marina Village Drive at $699,000 (3 bed) and 1346 IS 980/DEER at $699,000 (3 bed). These are asking prices, not sold prices. The Sold history tab shows what homes at this address went for.
What have homes at 3098 Island 1040 N/A sold for?
Recent sales, leases and expired listings for this home and others at the same address are in the Sold history tab, with the price and date of each. It is free for members.
How do I book a showing at 3098 Island 1040?
Pick a day and time with Book a Tour on this page. Tours are free, with no obligation, in person or by video. You can also call or text 647-931-3923.
Have a different question? Ask about this home and get an answer, usually within the hour.
Similar cottages nearby
More cottages for sale near Baxter, picked by style, size and price.
Waterfront cottage$649,0001276 Island 980, Georgian Bay3 bed · 1 bath · BaxterCourtesy of: Royal LePage In Touch RealtyView home →
Resort condo$699,00082 Marina Village Drive, Georgian Bay3 bed · 3 bath · BaxterCourtesy of: REAL BROKER ONTARIO LTD.View home →
Waterfront cottage$699,0001346 IS 980/DEER, Georgian Bay3 bed · 1 bath · BaxterCourtesy of: RE/MAX By The Bay BrokerageView home →Courtesy of: Royal LePage In Touch Realty
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*Estimated monthly cost assumes 20% down, a 4.5% rate and a 30-year amortization, plus property tax. For illustration only.