29 Kilty Bay Road, Georgian Bay, ON P0C 1H0
Freeman, Georgian Bay · Near Railway Street · View map
About this home
There are waterfront properties you buy for what they are today, and others you buy because you can see what they could become. This one offers a little of both. Set on a large, private property on Stewart Lake near MacTier, this older three-bedroom cottage has the kind of character that is increasingly hard to find. It is dated-very dated-but that's also part of what makes it interesting. Inside, old windows frame the lake from two sunrooms; original-feeling woodwork adds warmth and a fireplace, while not currently operational, remains a natural focal point. The three-level layout is unique, and throughout the cottage there are reminders of an earlier era of Muskoka cottage life. It won't be for the buyer looking for something newly renovated and ready to impress. It's for someone who appreciates what is already here and can imagine thoughtfully bringing it forward. Enjoyed year round or seasonally. Outside, mature trees, established stonework and approximately 1.21 acres create a wonderfully private setting, while the cottage's position close to the water keeps Stewart Lake very much a part of everyday life. With approximately 256 feet of waterfront, there's room here to enjoy the property as it is, improve and potentially expand the existing cottage, or explore the possibilities of the site for something entirely new, subject to the appropriate approvals. Stewart Lake offers the quieter side of Muskoka waterfront living, with opportunities for swimming, paddling and days spent simply enjoying the lake. And when the day is over, those old sunroom windows might just be the best seat in the house. This isn't a polished cottage pretending to be new. It's an old one with character, privacy and possibilities-and for the right buyer, that's exactly the point.
The home
- Type
- Sidesplit
- Style
- Sidesplit 3
- Square footage
- 1100-1500 sq ft
- Bedrooms
- 3
- Bathrooms
- 1
- Kitchens
- 1
- Rooms
- 11
- Basement
- Crawl Space, Unfinished
- Lot size
- 256 x 289 ft
- Faces
- West
- View
- Lake, Trees/Woods, Water
- Approximate age
- 100+ years
Ownership & fees
- Ownership
- Freehold
- Monthly condo fee
- None
- Security
- Carbon Monoxide Detectors, Smoke Detector
- Exterior
- Aluminum Siding, Vinyl Siding
Heating & cooling
- Heating fuel
- Electric
- Heating type
- Baseboard
- Fireplace
- Yes
Garage & parking
- Garage
- Detached
- Garage spaces
- 1
- Driveway spaces
- 5
- Total parking
- 6
- Parking features
- Circular Drive, Private
Taxes & other
- Property taxes
- $2,917/yr
- Tax year
- 2026
- Occupancy
- Owner
- Possession
- Negotiable
- Cross street
- Railway Street
- Neighbourhood
- Freeman
More
- Price per sq ft
- ~$615 (at 1,300 sq ft)
- Listed
- Sep 3, 2026 · 39 days ago
- MLS® number
- X13743122
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The home and its surroundings
- Propane Tank
- Storage
- Water Heater Owned
- Park
- Place Of Worship
- Rec./Commun.Centre
- School Bus Route
- Waterfront
- Wooded/Treed
- Landscaped
- Patio
- Privacy
- Porch Enclosed
- Recreational Area
- Seasonal Living
- Year Round Living
- 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.
29 Kilty Bay Road, Georgian Bay, ON P0C 1H0
Freeman, Georgian Bay · Near Railway Street
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Listing history for 29 Kilty Bay Road
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 29 Kilty Bay Road
Answers come straight from this home’s MLS® listing.
How much is 29 Kilty Bay Road listed for, and what would it cost each month?
29 Kilty Bay Road is listed for $799,000. With 20% down ($159,800), the mortgage payment would be roughly $3,223 a month at 4.5% over 30 years. Add property tax and the estimate comes to about $3,466 a month, all in. That figure is an illustration, not a quote.
Is 29 Kilty Bay Road freehold or a condo, and is there a monthly fee?
29 Kilty Bay Road is a sidesplit in Freeman, 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 29 Kilty Bay Road have?
29 Kilty Bay Road has 3 bedrooms and 1 bathroom. The listing gives the style as sidesplit 3.
Does 29 Kilty Bay Road have a garage and parking?
Yes. The listing shows the garage as detached, with room for 1 car. The driveway adds 5 spaces. In total the listing counts 6 parking spaces.
Does 29 Kilty Bay Road have a finished basement?
The listing describes the basement as crawl space, unfinished.
What style of home is 29 Kilty Bay Road?
29 Kilty Bay Road is a sidesplit. A sidesplit has its levels staggered side to side, with a few steps between the living area, the bedrooms and the lower level.
How big is 29 Kilty Bay Road, and what is the lot size?
The listing puts the home between 1,100 and 1,500 sq ft. The board reports a range rather than an exact figure, and it usually leaves out the basement. The lot is listed as 256 x 289 ft.
How is 29 Kilty Bay Road heated and cooled?
Heating is baseboard (electric). The listing does not show air conditioning.
What are the property taxes for 29 Kilty Bay Road?
Property taxes are $2,917 a year (2026), or about $243 a month.
Where is 29 Kilty Bay Road?
29 Kilty Bay Road is in the Freeman community of Georgian Bay. The nearest main intersection is Railway Street. The postal code is P0C 1H0.
How long has 29 Kilty Bay Road been on the market?
29 Kilty Bay Road was listed on September 3, 2026. It has been on the market for 39 days. It is an active listing (MLS® X13743122). Listings here update from the board through the day and come down once a home sells.
What are similar bungalows near 29 Kilty Bay Road asking?
Similar bungalow-style homes for sale nearby right now include 1146 Honey Harbour Road at $769,000 (3 bed), 709 Harrison Trail at $795,000 (3 bed) and 1053 Harrison Trail at $899,000 (3+2 bed). These are asking prices, not sold prices. The Sold history tab shows what homes at this address went for.
What have homes at 29 Kilty Bay Road 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 29 Kilty Bay Road?
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 647-619-2256.
Have a different question? Ask about this home and get an answer, usually within the hour.
Similar bungalows nearby
More bungalow-style homes for sale near Freeman, picked by style, size and price.
Sidesplit$769,0001146 Honey Harbour Road, Georgian Bay3 bed · 2 bath · BaxterCourtesy of: NORTH 2 SOUTH REALTYView home →
Bungalow$795,000709 Harrison Trail, Georgian Bay3 bed · 1 bath · FreemanCourtesy of: Royal LePage Lakes Of Muskoka - Clarke Muskoka RealtyView home →
Bungalow$899,0001053 Harrison Trail, Georgian Bay3+2 bed · 1 bath · FreemanCourtesy of: Royal LePage Lakes Of Muskoka - Clarke Muskoka RealtyView home →Courtesy of: Royal LePage Team Advantage 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.