3 Bed, 1 Bath Detached Home in Otonabee-South Monaghan
About 82 Cow Island
Free bonus lot included. One of the most desirable lots on the island, with spectacular south exposure. Also includes separate bonus lot (84 Cow Island) with separate pin 280220001, tax bill $842.67 for 2025 and legal description. Combined waterfrontage of both lots together is 248.63 ft. Privacy abounds here. Enjoy your morning coffee on the spacious dock to take in the sunrise and wind down your day on your deck overlooking the water. There's an abundance of activity for every interest: boating the Trent Waterway, swimming and fishing in the lake, or snowmobiling from the cottage on the Ganaraska snowmobile trail system. Built In 1976, you'll see this 1056 Sq. Ft. 3 Bedroom home has an amazing floor plan with spacious living and family rooms. It's also fully furnished and you can relax while the Marine Railway Lift delivers all your necessities from the dock straight to the cottage. Ariel aluminum dock system 42 ft by 6 ft with 14 ft 6 ft area at the end, 100 amp electrical upgraded 2021, heat and ac mini split 2021,kitchen 2022, bathroom 2022, great remodel reno 2023, cedar wood siding 2025, metal roof. 20ft. The property has a proper septic system and drilled well, so you have fresh water for drinking, cooking etc. Pontoon boat included, 2005 Aqua Patio with 50hp Yamaha 4 stroke with Bimini top and full mooring cover. Seating and floor covering need a touch of TLC but works great. This is an absolutely beautiful must-see family cottage.
3 bedrooms, 1 bathroom, about 700 sq ft, works out to roughly $786 per square foot. Chat with Zara if you'd like a deeper read on whether this detached fits your budget and timing.
Inside 82 Cow Island
Every detail from the listing, in one place.
Type
Detached
Style
Bungalow
Living space
700-1100 sq ftas stated on the listing
Parking
1 space
Basement
None
Features & systems
Parking & garage
Parking spaces
1
Interior
Basement
None
Lot & land
Lot size (sqft)
0.39
Listing & possession
Property style
Bungalow
Property class
Detached
82 Cow Island Price & Sale History
Earlier listings of this property, list-price changes, and the most recent annual property tax on the listing.
Independent mortgage broker · OAC · rates subject to change and underwritingMortgage Squad →
Referral disclosure: Summitly may refer you to Mortgage Squad Advisors, an affiliated mortgage partner. You are free to choose any lender or mortgage professional.
Monthly cost
Enter a rate to see the monthly cost
An estimate, not a quote. Utilities and insurance are extra.
Affordability calculator
Estimated monthly payment
$2,701
/mo
based on the purchase price of $549,900
$109,980 cash
$439,920 financed
$370,528 total interest
Principal54%$439,920
Interest46%$370,528
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
low–high
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 Otonabee-South Monaghan
Other 2–3 bed homes for sale in Otonabee-South Monaghan around $550K.
Average days on market53Homes sold in about 53 days on average.
Sale-to-list ratio94.2%On average, homes sold below asking.
Active listings115Homes for sale here right now.
Median vs prior 90 days−18.8%Compared with Apr 17 – Jul 16, 2026: prices down.
Based on 47 sales from Jul 16 – Oct 14, 2026 (24 in the prior 90 days). Aggregate MLS® figures for closed sales; individual sold prices are shown only to signed-in members.
Questions About 82 Cow Island
How much is 82 Cow Island listed for?
82 Cow Island is listed at $549,900 (MLS® X13245426). Summitly updates the price as soon as the MLS® record changes.
Is $549,900 a good price for 82 Cow Island?
Summitly rates it Well Above Market: the asking price is 15% or more above Zara's estimate, an estimate built from recent sales in Otonabee-South Monaghan. 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 82 Cow Island changed?
Yes — it was first listed at $574,900 and is now $549,900, a drop of $25,000 (4.3%).
How many bedrooms and bathrooms does 82 Cow Island have?
82 Cow Island has 3 bedrooms and 1 bathroom, with about 700–1,100 square feet of living space. It is a detached home in Otonabee-South Monaghan.
How much would the monthly mortgage be on 82 Cow Island?
About $2,701 a month — principal and interest on $549,900 with 20% down ($109,980), 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 82 Cow Island compare with other homes in Otonabee-South Monaghan?
Its asking price of $549,900 is about the same as the median sold price in Otonabee-South Monaghan over the last 90 days, $560,000, across 47 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 82 Cow Island been sold before?
Summitly has no earlier MLS® sale or lease of 82 Cow Island on record from the last two years. Older records aren't shown under TRREB rules.
Where is 82 Cow Island?
82 Cow Island is in Otonabee-South Monaghan, ON. Schools, transit, parks and shops nearby are under Location & lifestyle on this page.
How long has 82 Cow Island been on the market?
133 days — 82 Cow Island was listed on June 3, 2026.
What is the price per square foot of 82 Cow Island?
About $500 to $786 per square foot: the asking price of $549,900 over the 700–1,100 sq ft the listing gives as its size range.
Does 82 Cow Island have parking or a garage?
Yes — the listing gives 1 parking space.
Does 82 Cow Island have a basement, and is it finished?
