29 Kilty Bay Rd is a 3-bedroom, 1-bathroom detached home in Georgian Bay, listed for $749,000. It has 1100-1500 sq ft of living space.
1This one offers a little of both.
2It is dated-very dated-but that's also part of what makes it interesting.
3Inside, 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.
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.
3 bedrooms, 1 bathroom, about 1,100 sq ft, works out to roughly $681 per square foot. Chat with Zara if you'd like a deeper read on whether this detached fits your budget and timing.
Inside 29 Kilty Bay Rd
Every detail from the listing, in one place.
Type
Detached
Style
Sidesplit 3
Living space
1100-1500 sq ftas stated on the listing
Parking
6 spacesYes garage
Basement
Crawl Space, Unfinished
Features & systems
Parking & garage
Garage
Yes
Parking spaces
6
Interior
Basement
Crawl Space · Unfinished
Lot & land
Lot size (sqft)
1.21
Listing & possession
Property style
Sidesplit 3
Property class
Detached
29 Kilty Bay Rd Price & Sale History
Earlier listings of this property, list-price changes, and the most recent annual property tax on the listing.
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Monthly cost
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An estimate, not a quote. Utilities and insurance are extra.
Affordability calculator
Estimated monthly payment
$3,680
/mo
based on the purchase price of $749,000
$149,800 cash
$599,200 financed
$504,684 total interest
Principal54%$599,200
Interest46%$504,684
20% down · 25-yr amortization · 5.50% rate. Principal & interest only — taxes, condo fees, and insurance not included.
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Figures are Summitly estimates for illustration only — not from TRREB or the MLS® feed, and not a mortgage approval, appraisal, or financial advice.
Rental income potential
Est. monthly rent
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Gross yield
rent × 12 ÷ price
Cap rate (est.)
net of tax + fees
Summitly AI estimate for discussion only — not from TRREB or the MLS® feed, and not an appraisal or investment advice. Yield and cap rate are derived from the estimated rent versus the asking price.
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Similar homes for sale nearby in Georgian Bay
Other 2–6 bed homes for sale in Georgian Bay around $749K.
Average days on market71Homes sold in about 71 days on average.
Sale-to-list ratio92.4%On average, homes sold below asking.
Active listings173Homes for sale here right now.
Median vs prior 90 days−3.9%Compared with Apr 25 – Jul 24, 2026: prices down.
Based on 41 sales from Jul 24 – Oct 22, 2026 (27 in the prior 90 days). Aggregate MLS® figures for closed sales; individual sold prices are shown only to signed-in members.
Questions About 29 Kilty Bay Rd
How much is 29 Kilty Bay Rd listed for?
29 Kilty Bay Rd is listed at $749,000 (MLS® X13743122). Summitly updates the price as soon as the MLS® record changes.
Is $749,000 a good price for 29 Kilty Bay Rd?
Summitly rates it Good Deal: the asking price is 3% to 10% below Zara's estimate, an estimate built from recent sales in Georgian Bay. The rating is an automated opinion, not an appraisal; "What's it worth?" on this page shows how it is worked out. See Zara's estimate
Has the price of 29 Kilty Bay Rd changed?
Yes — it was first listed at $799,000 and is now $749,000, a drop of $50,000 (6.3%).
How many bedrooms and bathrooms does 29 Kilty Bay Rd have?
29 Kilty Bay Rd has 3 bedrooms and 1 bathroom, with about 1,100–1,500 square feet of living space. It is a detached home in Georgian Bay.
How much would the monthly mortgage be on 29 Kilty Bay Rd?
About $3,680 a month — principal and interest on $749,000 with 20% down ($149,800), a 25-year amortization and an assumed 5.5% interest rate. The mortgage calculator on this page lets you change the down payment, amortization and rate.
How does 29 Kilty Bay Rd compare with other homes in Georgian Bay?
Its asking price of $749,000 is about 3% above the median sold price in Georgian Bay over the last 90 days, $730,000, across 41 closed sales on the TRREB MLS®. A city median mixes every type and size of home, so the comparable sales on this page are the closer guide.
Has 29 Kilty Bay Rd been sold before?
Summitly has no earlier MLS® sale or lease of 29 Kilty Bay Rd on record from the last two years. Older records aren't shown under TRREB rules.
Where is 29 Kilty Bay Rd?
29 Kilty Bay Rd is in Georgian Bay, ON. Schools, transit, parks and shops nearby are under Location & lifestyle on this page.
How long has 29 Kilty Bay Rd been on the market?
50 days — 29 Kilty Bay Rd was listed on September 2, 2026.
What is the price per square foot of 29 Kilty Bay Rd?
About $499 to $681 per square foot: the asking price of $749,000 over the 1,100–1,500 sq ft the listing gives as its size range.
Does 29 Kilty Bay Rd have parking or a garage?
Yes — the listing gives 6 parking spaces. Garage: Yes.
Does 29 Kilty Bay Rd have a basement, and is it finished?
The listing describes the basement as: Crawl Space, Unfinished.
