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54 CARTER ROAD
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Beds
3
Baths
1
Sqft
—
Year
—
Type
Single Family
On market
28d
Surrounded by mature evergreens and some hardwood bush, this well maintained year round waterfront home, located on the shores of Georgian Bay in beautiful Cape Chin South. This three bedroom, four piece bathroom home was custom built by the owner and has been meticulously cared for over the years. The property is heavily treed with mature cedar, spruce, pine, ironwood, maple and birch and is beautifully landscaped with gardens throughout. There are custom stone patios, pergolas, a mini basketball court, seven seating areas, a covered pavilion, a firepit at the water's edge to enjoy the fabulous cape to cape views that the bay has to offer. The interior of the home is warm and inviting that features an open concept living area, with Birch hardwood flooring; walkout to spacious deck from living area. There is a cozy propane fireplace with stone surround and space for overhead media. The propane fireplace easily heats the home and there is electric baseboard heat for the bedrooms. The eat-in kitchen area has lovely cherry-finished cabinetry, travertine stone backsplash, two ventilating skylights which provide plenty of natural light and with a walkout to patio. The bedrooms are of good size; the primary bedroom has a walk-in closet; the four piece (recently renovated) bathroom has in-floor heat. Separate laundry room. The exterior of the home is cedar siding, the roof was re-shingled in 2007 with 40 year premium asphalt shingles over ice-block wrapping and double plywood sheathing. There is a wired Generac that powers the home in case of a power outage. Property is located on a year round municipal road. The trails are nearby. If you're looking for a great waterfront escape, surrounded by nature, here's a good place to make this your home or cottage getaway. Taxes: $4534.00. The property is a pleasure to show! Please do not enter the property without an appointment. (id:65958)
Main level
| Room | Dimensions | Features |
|---|---|---|
| Living room | 4.38 × 4.2 meters | |
| Kitchen | 4.63 × 3.96 meters | |
| Bedroom | 3.71 × 3.71 meters | |
| Bedroom 2 | 3.1 × 2.74 meters | |
| Bedroom 3 | 3.96 × 2.8 meters | |
| Bathroom | 3.47 × 1.64 meters | |
| Laundry room | 2.43 × 1.52 meters |
10-item due-diligence checklist. We can pre-flight most of these for you on a CMA call.
Comparable sales
Ask for 3–5 recent solds within ~1 km and the same beds/baths so the list price has context.
Property condition
Roof age, furnace age, hot-water tank age, electrical panel size, windows. Cosmetic vs structural.
Zoning
Confirm zoning matches your intent (single-family vs duplex vs secondary suite vs commercial).
Suite legality / potential
If suited or being marketed as suited: confirm permits, separate entrance, ceiling height, egress windows.
Monthly carrying cost
Mortgage + property tax + insurance + condo fee (if any) + utilities. Compare to your max budget.
Property taxes
Confirm the annual tax amount on the current assessment — and whether a reassessment is pending.
Insurance estimate
Get a same-day quote. Older homes, knob-and-tube wiring, polybutylene plumbing, flood plains all change the number.
Commute
Drive it (or transit it) at the actual time of day you'd commute. Map ETA lies during peak hours.
Deposit and financing conditions
Deposit size, financing condition window, condition removal date, possession date — all negotiable.
Inspection considerations
Budget for a home inspector ($500–700) and any specialty inspections (sewer scope, mould, asbestos for pre-1990 builds).
Rough ballpark only. Pick a down-payment option, then tap any underlined number below to plug in your real numbers — tax, condo fee, insurance, utilities. Total updates live. Confirm with a mortgage broker before writing an offer.
Cost lines (tax, condo, insurance, utilities) are editable inline above. These two control the mortgage payment math.
Approximation only. CMHC default insurance is included when down payment is under 20%. Property tax and condo fees come from MLS when listed and may not reflect the current billing year. Suite rental income depends on permits, market rent, and vacancy — confirm with a property manager. Always validate your scenario with a mortgage broker and your insurance provider before writing an offer.
We'll reply by text within a few hours. Comparable sales, condition flags, things worth checking — sent before you book a showing.
Listing brokerage
Listing brokerage on file
Listing data via CREA DDF®. Information is deemed reliable but not guaranteed accurate by CREA. Last updated May 12, 2026.
Nearby school, halal, mosque, grocery, park, and transit layers are still being built for Northern Bruce Peninsula. The listing facts above are live; the neighborhood-intelligence layer needs POI coverage before it can score this address properly.