118 Bay Lake Road, Bancroft, ON

$299,000
MLS#:X13686184
2 beds
1 baths
< 700 sqft
6.0 parking
Residential Freehold
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Added:Aug 14, 2026(15 days ago)
Updated:Aug 18, 2026(11 days ago)
Last Checked:18 minutes ago

Property Highlights

Welcome to this remarkable Bungalow detached located in the coveted neighborhood of Dungannon Ward. Expertly crafted featuring premium wood construction, this residence presents an exceptional opportunity offered at $299,000 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 1 Bathroom
  • Generous living space spanning < 700 sqft on a premium 150 x 249 ft lot
  • 6.0 total parking spaces available
  • Notable attributes: Water Heater Owned
  • equipped with window unit(s) central cooling and highly efficient baseboard heating via electric

Description

Affordable Three- season Cottage with a 12 ft access to Stimears Lake! Looking for a cozy getaway without the waterfront price tag? Welcome to 118 Bay Lake Rd! This charming three-season cottage is situated on a year-round paved municipal rd and includes a 12 foot easement access to beautiful Stimears Lake, located just across the road. The cottage offers a warm and inviting layout featuring two bedrooms, a 3-piece bathroom, a functional kitchen with dining area, a comfortable living/sitting room, and a bright sunroom perfect for relaxing with your morning coffee or unwinding after a day on the lake. Outside, you'll enjoy exceptional privacy, a firepit area for evenings under the stars, two storage buildings for all your cottage toys and tools, plus the convenience of a private well and septic system. Whether you're looking for a family retreat, a peaceful escape from the city, or an affordable way to enjoy cottage life, this property offers excellent value and endless opportunities to create lasting memories. (Location of access is between ER #83 and #111) ( Buyers Lawyer should verify)

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Property Summary

This detached home located at 118 Bay Lake Road, Bancroft is currently for sale and has been available on SousaSells for 15 days. This property is listed at $299,000 with an estimated mortgage of $995* per month. It has 2 beds, 1 bathroom, and is < 700 square feet. 118 Bay Lake Road, Bancroft is in the Dungannon Ward 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?

Ideal for small families, couples, or individuals seeking a manageable and comfortable living layout in Dungannon Ward, Bancroft.

Great for Small Household / Couples
What We Love About This Home
  • •2 spacious bedroom layout offering versatile living space
  • •1 well-appointed bathroom
  • •< 700 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
1
Kitchens
1
Living Area
< 700 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
AddedAug 14, 2026 (15 days ago)
UpdatedAug 18, 2026 (11 days ago)
Last Checked18 minutes ago
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural StyleBungalow
ConstructionWood
BasementNone
Lot Size150 × 249 Feet
CountyHastings
Annual Tax$1,900
Legal DescriptionPCL 25-1 SEC M28;PT LT 25 PL M28 DUNGAANNON (BA641) PT 1 21R2441 T/W LT 2 PL M29; BANCROFT; COUNTY OF HASTINGS PIN#400830017

Parking & Garage

Parking Total6.0
Parking Space6
Garage TypeNone

Heating & Cooling

Heat SourceElectric
Heat TypeBaseboard
CoolingWindow Unit(s)

Features

Property Features

  • Golf
  • Hospital
  • Wooded/Treed

Interior Features

  • Water Heater Owned

Security Features

None listed

Community Features

None listed

Frequently Asked Questions about 118 Bay Lake Road, Bancroft, ON

Q.What is the asking price for 118 Bay Lake Road, Bancroft, ON ?

The current listing price for 118 Bay Lake Road, Bancroft, ON in Dungannon Ward, Bancroft is $299,000.

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

This property features 2 bedrooms and 1 bathroom across approximately < 700 sqft.

Q.What property type and architectural style is 118 Bay Lake Road, Bancroft, ON ?

118 Bay Lake Road, Bancroft, ON is a Detached (Bungalow) featuring a None basement.

Q.What key property features does 118 Bay Lake Road, Bancroft, ON offer?

Key property features include: Golf, Hospital, Wooded/Treed.

Q.What interior features are included in this home?

Interior highlights include: Water Heater Owned.

Q.Is parking available at this property?

Yes, this property offers parking space for 6.0 vehicles (None).

Q.What heating and cooling systems are installed?

Heating is provided via Electric and cooling via Window Unit(s).

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Location

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118 Bay Lake Road, Bancroft, ON

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Neighborhood Safety Index

Neighborhood Safety & Crime Analytics

Dungannon Ward, Bancroft

SAFETY RATING9.4 / 10
Low Incident Area
Total Annual Incidents35 incidents / yr
Average Per Month2.9 incidents / mo
Population BenchmarkArea Average residents
Personal Safety
Very Low

8 assaults (30.0/100k)

Property Security
Very Low

8 B&E (30.0/100k)

Auto Theft Risk
Low Risk

10 thefts (35.0/100k)

1-Year Trend
â–¼ 6%

Improving vs previous year

How Per-Capita Rate (Per 100,000 Residents) Is Calculated:

Formula: (Annual Occurrences / Population) × 100,000. This standard policing calculation normalizes incident frequencies across different population sizes, allowing accurate safety comparisons between quiet residential pockets and dense urban centres.

Source: Official Police Services ArcGIS Open Data
Halton & GTHA Police Network

Disclaimer: Crime and safety analytics are compiled from official municipal and regional police open data records for general consumer informational and demographic research purposes only. Data is deemed reliable but is not guaranteed and does not constitute a legal representation or guarantee of future safety.

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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 118 Bay Lake Road, Bancroft, ON K0L 1C0

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.

Market Trend
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Mortgage & Affordability Audit

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

Configure Loan Settings

Interest Rate4.00%
Down Payment$89,700 (30.0%)
* Minimum Canadian down payment required for this price is $14,950.
Amortization Period30 Years
Estimated Monthly Payment$995Based on a loan of $209,300 over 30 years.
Purchase Price$299,000
Loan Amount$209,300
Provincial Land Transfer Tax:$2,960
Total Estimated Closing Taxes:$2,960

About Purchasing a Home in Bancroft, ON

For a property listed at $299,000 in Bancroft, the legal minimum down payment is $14,950 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 $2,960 for this transaction. As this listing is in Bancroft (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $2,960.

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Dungannon Ward, Bancroft Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for Dungannon Ward, Bancroft.

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$492,288

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 Dungannon Ward, Bancroft

Elementary Schools

Our Lady of Mercy
Public192 Bridge Street West, Bancroft, Ontario, K0L 1C0
8.3
Birds Creek
Public33 South Baptiste Lake Road, Bancroft, Ontario
4.3
North Hastings
Public14 Monck Street, Bancroft, Ontario, K0L 1C0
4.1

Secondary Schools

North Hastings
Public14 Monck Street, Bancroft, Ontario, K0L 1C0
3.5

Dungannon Ward, Bancroft Demographic Home information

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied65%
Rented35%

Need more details or a custom CMA?

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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.

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