89 Smith's Bay Avenue, Prince Edward County

$1,075,000
89 Smith's Bay Avenue

$1,075,000

New
2d
DetachedBungalow

89 Smith's Bay Avenue, Prince Edward County

Total Monthly Obligation $5,255

Beds
3
Baths
3
Park
6
Sqft
3000-3500
DOM
2d
Yield
4.4%
Cash on Cash
-4.9%
Cap Rate
3.5%
5Y IRR
11.7%
10Y IRR
11.5%
Property Type-Detached
MLS® Number-X14101286
Beds-3
Bathrooms-3
Size-3000-3500 sqft
Lot Size-101.72 × 352.41 ft
Listed on site-Oct 21, 2026
Style-Bungalow
Building Type-Detached
Age-31-50
Taxes-$6,528.74 (2025)
Parking-8 - Attached
Basement-Full, Crawl Space
Heating-Forced Air (Propane)
Brokerage-Keller Williams Energy Real Estate
Cooling-Central Air
Laundry-No
Fireplace-Propane
Pool-None
Facing-South
Exterior-Brick
Roof-Shingles, Metal
Foundation-Poured Concrete
Sewer-Septic
Possession-Flexible
Neighbourhood-North Marysburg Ward
Title-Residential Freehold

No agent assigned

Some waterfront homes are about the view. Others are about how the whole property makes you feel. Set on Smith's Bay with direct access to Lake Ontario, this spacious 3-bedroom bungalow offers room to spread out, incredible outdoor living, and a setting that feels peaceful, private and connected to nature. Here are 5 reasons to take a closer look: ONE: Waterfront you can actually enjoy. Take in wide views across Smith's Bay from the house, deck and waterfront seating area, with a natural shallow shoreline that's perfect for kayaking, paddling and simply slowing down by the water. TWO: Outdoor living in every season. A large deck, waterfront pergola, gazebo, sunroom and hot tub give you multiple places to relax, entertain or take in the view depending on the weather or time of day. THREE: Nature is part of everyday life. Swans, turtles, migrating birds and even a resident bald eagle are regular visitors, while the park next door creates an open, expansive feel with no neighbour directly beside you. FOUR: Space that works for real life. Over 3,300 sq. ft. above grade with 3 bedrooms, 3 bathrooms, a dramatic vaulted great room, separate family room, office/den and excellent flexibility for guests or multi-generational living. FIVE: A community people genuinely care about. The neighbourhood has a welcoming, connected feel, with neighbours who know one another and regular community gatherings throughout the year. Add in an extra-wide double garage, generator, steel roof, updated crawl space, and thoughtful accessibility features, and you've got a waterfront home that offers both lifestyle and substance.If you've been looking for a home where the water, wildlife and outdoor space become part of everyday life, this one deserves a closer look. This may be your opportunity to Call The County Home.

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Closing Costs

Mortgage Amount
$860,000
Land Transfer Taxes$17,975
Legal Fees (Est.)
$
Total cash required for closing$234,475

Total Monthly Obligation

$5,255/mo
Mortgage $4,336
Monthly Loss $4,114
Principal$1,141
Interest$3,195
Property Tax$544
Home Insurance$125
Variable Costs$250

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*This analysis is independently generated NOT provided by TREB or CREA.

Comparables

Properties near 89 Smith's Bay Avenue

Time

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