Available on mobile

Take Summitly with you.

Browse listings, get instant alerts, and talk to your AI concierge — all from your pocket.

Download on theApp StoreGet it onGoogle Play

Weekly market briefing

The smartest move starts here.

Curated listings, price trends, and neighbourhood insights — delivered Sunday morning.

Summitly

Your trusted partner in real estate. We help you find your perfect home, make informed decisions, and connect with expert professionals across Canada.

Explore

Map SearchBrowse ListingsBrowse RentalsSold HomesOpen Houses

Sell & Rent

Sell Your HomeHome ValuationList Your Rental — FreeRental PricingRenting on Summitly

Resources

CalculatorsGet Pre-QualifiedNews & InsightsGuidesBlogAI ConciergeFranchise

Company

AboutContactFind a RealtorCareers — Join SummitlyFAQs
310-3100 Steeles Ave W, Vaughan, ON, L4K 3R1
1-333-345-6868info@summitly.ca

©2026 Summitly. All rights reserved. Coldwell Banker Summit Realty, Brokerage.

Privacy PolicyTerms of UseCookiesSitemap

Listing data is provided by the Toronto Regional Real Estate Board (TRREB) via PropTx and is deemed reliable but not guaranteed. Coldwell Banker Summit Realty, Brokerage — an independently owned and operated Coldwell Banker franchise.

REALTOR® Disclosure▾

For listings in Canada, the trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by The Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. The trademarks MLS®, Multiple Listing Service® and the associated logos are owned by CREA and identify the quality of services provided by real estate professionals who are members of CREA. Used under license.

    Summitly Logo
    Buy
    Sell
    Rent
    Pre-con
    Meet ZaraMy HomeNews & Insights
    HomeBuySell
    For sale On market 9 days

    25 Bay Street

    Victoria Harbour·Tay, ON·L0K 2A0·Near Park St/Bay St

    • 2 beds
    Tay real estate›S13428462
    • Overview
    • History
    • Details
    • Location
    • Mortgage
    • Investment
    • Comparables
    • FAQ
    Open house & tour

    3 upcoming open houses

    Drop in during an open house, or tour online — no appointment needed.

    • Open house
      Date TBD
      Time TBD
    • Open house
      Date TBD
      Time TBD
    • Open house
      Date TBD
      Time TBD
    Overview

    What this listing tells us

    Property description

    Raised bungalow with in-law suite potential in a scenic georgian bay community! Welcome to this bright raised bungalow in the welcoming waterfront community of Victoria Harbour, just moments from the shores of Georgian Bay, where boating, kayaking, fishing and unforgettable sunset views are part of everyday life. Enjoy the convenience of walking to local essentials, including a grocery store, library, pharmacy, Oakwood Community Centre and Park, and schools, while the scenic Tay Shore Trail nearby invites you to explore miles of paved paths for cycling, walking and soaking in the area's natural beauty. A quick drive connects you to Midland for additional shopping, restaurants, marinas, healthcare services and everyday amenities. Inside, the bright open-concept main floor offers a welcoming kitchen, dining and living area designed for comfortable daily living and easy entertaining, complete with a sliding glass walkout to the back deck overlooking a private fenced yard with a garden shed for extra storage. Two bedrooms are found on the main level, including a comfortable primary suite with dual closets and a private 3-piece ensuite. The raised bungalow design allows for larger basement windows that fill the lower level with natural light, where a walk-out one-bedroom suite features its own open kitchen and living area, a natural gas fireplace and a 4-piece bath, offering excellent in-law suite potential and added flexibility. An attached single-car garage and a double driveway provide convenient parking, while the home's approximately 10-year age offers the benefits of modern construction standards, newer mechanical systems, and reduced maintenance compared to many older properties in the area. Set in a desirable Georgian Bay community that continues to attract year-round residents, cottage buyers, and investors, this #HomeToStay presents an exciting opportunity to embrace relaxed small-town living with space, comfort and versatility.

    Cleaned for readability — original MLS® text was lightly de-abbreviated and decapitalized.

    History

    Listing, price, and tax history

    Every previous listing of this property, every list-price change, and 5 years of estimated annual property tax — switch tabs to drill in.

    DateEventStatusPriceChangeMLS®View
    Jun 10, 2026ListedCurrentFor sale$599,900 —S13428462This page
    May 15, 2026Previously listedTer$599,900 —S13135438View
    Apr 15, 2026Previously listedTer$629,900 —S13008354View
    Mar 25, 2026Previously listedTer$649,000 —S12921274View
    Mar 18, 2026Previously listedTer$679,900 —S12894916View
    Sourced from MLS® · includes all previous listings of this property · tap View to open the archived listing in a new tab
    Property details

    Inside this property

    Systems, finishes, room dimensions, and building information — pulled from the full MLS® feed.

    Features & systems

    Heating, cooling, parking, exterior, lot, possession, and more.

    • Systems

      5
      Heating
      Forced Air
      Air conditioning
      Central Air
      Fireplaces
      1
      Water source
    Location & lifestyle

    Getting around, schools & the block

    Walkability and transit, the nearest schools, an interactive map of the exact spot, and what's nearby.

    📍 25 Bay Street
    What's nearby

    Points of interest classified by the MLS® feed.

    • Beach
    • Lake/Pond
    • Marina
    • School
    Financials

    The money — monthly cost, mortgage & return

    Everything financial in one place: what you'd pay each month, a live mortgage calculator at the asking price, and what it could return as a rental.

    Cost of ownership

    A monthly snapshot at typical assumptions — personalize the mortgage just below.

    Est. monthly mortgage
    $2,947
    20% down · 25y · 5.50% — adjust below ↓
    Est. monthly property tax
    $299
    0.60% mill rate · ON
    The market

    How this home sits in the Tay market

    Live neighbourhood stats, the closed sales you'd negotiate against, and comparable active listings.

    The Tay market right now

    Average sold price, days on market, and closed-transaction count for Tay — sourced from MLS®.

    • Avg sold price
      $613,168
      Last 30 days
    • Median sold price
      $599,900
      Middle of the market
    • Days on market
      36 d
      Avg from list to close
    • Closed last 30d
      53
      MLS® transactions
    Full Tay market report
    Buy with Coldwell Banker Summit Realty

    We'll get you into 25 Bay Street — the seller pays our commission

    On every MLS® listing in Canada, the seller's brokerage pays a cooperating commission to whoever brings the buyer. Buyer representation is free to you.

    Free buyer representation · Coldwell Banker® affiliate

    $0 to you. The seller pays our fee.

    On every MLS® listing in Canada, the seller's brokerage advertises a cooperating commission for the buyer's agent. A Coldwell Banker Summit Realty agent represents you — you owe us nothing.

    Call now
    Due diligence

    Property flags & disclosures

    An automated scan of public records and news for anything a buyer should know about this specific address — liens, outstanding work orders, or stigma-related history. We never invent flags.

    Nothing concerning surfaced — all clear.

    We scanned public records and news for liens, outstanding work orders, and stigma-related history (e.g. a former grow-op or fire) at 25 Bay Street and found nothing flagged. We re-check automatically as new records publish.

    Frequently asked

    Common questions about this property

    Tap a question to expand the answer. Short, direct answers tuned for AI search and voice assistants.

    • How much is 25 Bay Street listed for?

      25 Bay Street is listed at $599,900 on the MLS® (listing S13428462). The price refreshes on Summitly within minutes of any MLS® change.

    • How many bedrooms, bathrooms, and square feet does 25 Bay Street have?

    Coldwell Banker Summit Realty is a RECO-licensed Ontario real estate brokerage, independently owned and operated. Mortgage financing is arranged through Mortgage Squad Advisors. Summitly is the technology platform that powers this site. Listing data is sourced from MLS® and is provided for informational purposes only — not guaranteed accurate by the MLS® or its members. The trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by the Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. The Coldwell Banker® name and logo are trademarks of Coldwell Banker Real Estate LLC.

  1. 3 baths
  2. 1100-1500 sqft
  3. Detached
  4. Built 6-15
  5. < .50 ac lot
  6. Asking
    $599,900
    $0 / sqft · MLS® S13428462
    Chat Zara
  7. Zara AI Estimate
    Live · refreshes nightly
    Estimated value
    $447,613
    $411,804Confidence range$483,422
    Asking vs estimate
    ↑↑well-above
    +$152,287
    (+34.0%)
    Asking is well above
    Run the affordability numbers

    Based on the city's average sold price, adjusted for 2 bedrooms (no sqft on file).

    Market analytics

    Homes like this in Tay sell in about 36 days — this one has been listed 9 days.

    Avg sold price
    $613,168
    Median sold
    $599,900
    Avg days on market
    36
    Recently sold
    53
    See comparable sales
    Walk through online
    Listing agent has provided a interactive tour
    Open virtual tour
    AI highlights by Zara
    • Raised bungalow with in-law suite potential in a scenic georgian bay community!
    • Two bedrooms are found on the main level, including a comfortable primary suite with dual closets and a private 3-piece ensuite.
    Ask Zara a follow-up
    Municipal
    Sewer
    Sewer
  8. Parking & garage

    4
    Garage
    Attached
    Garage spaces
    1
    Parking spaces
    3
    Driveway
    Private Double
  9. Interior

    6
    Basement
    Full, Finished with Walk-Out, Separate Entrance
    Family room
    Y
    Kitchens
    1
    Total rooms
    5
    Laundry level
    Lower Level
    Elevator
    N
  10. Exterior & construction

    4
    Exterior
    Aluminum Siding, Brick
    Roof
    Asphalt Shingle
    Foundation
    Concrete
    Pool
    None
  11. Lot & land

    2
    Year built
    6-15
    Zoning
    R2
  12. Listing & possession

    3
    Occupancy
    Flexible
    Property style
    Bungalow-Raised
    Property class
    Detached
  13. Room-by-room · 10 rooms

    Every room with its dimensions, level, and notable features.

    Room dimensions

    Main level

    6 rooms
    • Dining Room
      12.5 × 9.9 ft
    • Kitchen
      11.5 × 18.9 ft
    • Living Room
      12.1 × 14.5 ft
    • Bedroom 2
      10.7 × 9.7 ft
    • Primary Bedroom
      3 Pc Ensuite
      14.4 × 11.9 ft
    • Foyer
      Tile Floor
      5.3 × 7.3 ft

    Basement level

    4 rooms
    • Recreation
      Fireplace
      11.4 × 12.5 ft
    • Kitchen
      11.4 × 6.5 ft
    • Dining Room
      11.4 × 5.4 ft
    • Bedroom 3
      11.3 × 13.5 ft
  14. Place Of Worship
  15. Fenced Yard
  16. Combined estimate
    $3,246
    Mortgage + tax · before condo / insurance

    Mortgage & affordability

    Today's best Canadian rates from Mortgage Squad, then a live calculator — adjust down payment, amortization, and rate, and email yourself the report.

    Today's rates · Powered by Mortgage Squad
    350+ lender access · Best rate matched in 2 min
    Lock my rate
    • Best
      5-yr Fixed · Insured
      4.09%
      0.40% below banks
    • 5-yr Fixed · Conventional
      4.34%
      APR · OAC
    • 3-yr Fixed · Conventional
      4.49%
      APR · OAC
    • 5-yr Variable · Variable
      4.85%
      APR · OAC
    Rates indicative · Updated today · OAC, subject to underwritingSee all Mortgage Squad rates →
    Affordability calculator
    Estimated monthly payment
    $2,947
    /mo
    based on the purchase price of $599,900
    $119,980 cash
    $479,920 financed
    $404,219 total interest
    Monthly payment$2,947/ month
    Principal54%$479,920
    Interest46%$404,219

    20% down · 25-yr amortization · 5.50% rate. Principal & interest only — taxes, condo fees, and insurance not included.

    Email this mortgage report to yourself

    Save the full affordability breakdown — down payment, monthly, interest paid, and today's Mortgage Squad rate — in your inbox. Create a free Summitly account to save it, get rate-drop alerts, and build a shortlist.

    Create account & email meor send as guest
    Get pre-approved in minutes

    Know exactly what you can afford — a no-obligation pre-approval from Mortgage Squad.

    Get pre-approved

    Rental income & return

    What this home could rent for and the return at the asking price — an AI estimate against real property tax and condo fees.

    Est. monthly rent
    low–high
    Gross yield
    rent × 12 ÷ price
    Cap rate (est.)
    net of tax + fees

    AI estimate for discussion only — not an appraisal or investment advice. Yield and cap rate are derived from the estimated rent versus the asking price and real property tax.

    Comparable detacheds that just sold in Tay

    Swipe the closed sales, then use the table for a side-by-side $/sqft comparison against this home.

    • 461 Alberta Street
      Sold
      Sign in for price
      461 Alberta Street
      Detached
    • 1810 Gratrix Road
      Sold
      Sign in for price
      1810 Gratrix Road
      Detached
    • 466 Trillium Street
      Sold
      Sign in for price
      466 Trillium Street
      Detached
    • 62 Forest Harbour Parkway
      Sold
      Sign in for price
      62 Forest Harbour Parkway
      Detached
    • 218 Jephson Street
      Sold
      Sign in for price
      218 Jephson Street
      Detached
    • 16 Sheppard Drive
      Sold
      Sign in for price
      16 Sheppard Drive
      Detached
    AddressBd / BaSqftSold$/sqft% of askSold
    25 Bay StreetThis home2 / 311,001,500$599,900ask———
    461 Alberta Street3 / 2700—
    1810 Gratrix Road3 / 21,100—
    Sold prices are hidden under TRREB rules. Sign in to reveal them.

    More detacheds in Tay

    Active listings within ±20% of this asking price.

    • 550 Second Avenue
      $599,000
      550 Second Avenue
      Detached 2 2
    • 3 Earldom Boulevard
      $649,900
      3 Earldom Boulevard
      Detached 3 2
    • 318 Percy Street
      $499,900
      318 Percy Street
      Detached 3 2
    • 4984 Vasey Road
      $699,000
      4984 Vasey Road
      Detached 3 2
    • 679 Simcoe Avenue
      $579,000
      679 Simcoe Avenue
      Detached 3 2
    • 51 Hunter Avenue
      $699,900
      51 Hunter Avenue
      Detached 3 3
    AI-first listing data

    Zara's valuation, full price history, room insights, and live MLS® refresh — all in one feed. No more comparing 4 sites.

  17. One team, no handoffs

    Your realtor, mortgage broker, and offer-night closing team work side-by-side. One conversation, not three.

  18. Showings on YOUR schedule

    Same-day showings for shortlisted homes, evenings + weekends. Your Coldwell Banker Summit Realty agent coordinates with the listing brokerage.

  19. Mortgage that closes

    Pre-approval, rate hold, and 350+ lender access via Mortgage Squad Advisors — no juggling lender chats yourself.

  20. Public listing courtesy of RE/MAX HALLMARK PEGGY HILL GROUP REALTY · displayed on Summitly per MLS® data-share rules

    25 Bay Street is a 2-bedroom, 3-bath, 1100-1500 sqft. Full room dimensions and floor breakdown are in the 'Rooms' section of this page.

  21. When was 25 Bay Street built?

    25 Bay Street was built in 6-15. Construction style, foundation, roof material, and EnerGuide rating (when published) are in the 'Features' section above.

  22. What is the property tax for 25 Bay Street?

    The 'Property tax' tab in the History section shows the most recent annual tax for 25 Bay Street plus a 5-year breakdown with YoY % change. Monthly equivalent is shown alongside.

  23. How much would the monthly mortgage be on 25 Bay Street?

    The affordability calculator on this page shows an estimated monthly mortgage for $599,900 at 20% down, 25-year amortization, and 5.5% rate. Adjust the sliders to model your own down payment and rate.

  24. Has 25 Bay Street been sold before?

    The 'Listing history' tab above lists every previous MLS® listing of 25 Bay Street with its list date, sold price (when sold), and final status. Each row is colour-coded with price-change arrows.

  25. What neighbourhood is 25 Bay Street in?

    25 Bay Street is in Victoria Harbour, Tay. The 'Neighbourhood' section below links to the live Tay real estate hub with average sold price, days on market, and current inventory.

  26. Is Tay a good place to live?

    Tay is one of ON's actively-tracked Summitly markets. The full Tay real estate hub covers live average sold price, days on market, and neighbourhood-level inventory.

  27. 466 Trillium Street
    2 / 3
    1,100
    —
    62 Forest Harbour Parkway2 / 1700—
    218 Jephson Street3 / 21,100—
    16 Sheppard Drive2 / 31,500—