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310-3100 Steeles Ave W, Vaughan, ON, L4K 3R1
905-553-8500info@summitly.ca

©2026 Summitly. All rights reserved. Coldwell Banker Summit Realty, Brokerage — RECO Registration #6018570.

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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.

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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.

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    For sale On market 87 days

    LT 81 WHITE CLOUD Island

    ·Georgian Bluffs, ON··

    • 2 beds
    Georgian Bluffs real estate›X13063936
    • 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

    About 10 minutes out from Big Bay, things start to shift. The noise drops off, the water opens up, and you're reminded why people look for places like this in Georgian Bay, not just for waterfront, but for the space and privacy that come with it. Set along the east side of White Cloud Island, this 12-acre property offers over 330' of classic Georgian Bay shoreline, with clear deep turquoise water and a level of privacy that's getting harder to find. The chalet-style cabin, built in 2011, is simple, solid, and charming. At 24' x 36', it includes a functional kitchen, main floor bedroom, living room, loft for extra guests, and a wood stove. The screened-in timber frame porch is a great space for dinners and gathering after a day on the water. All 12 acres are usable, with established trails through forest, rock, and elevation. Around the cabin, tree cover provides a tucked-away feel, while trails lead up along the escarpment to open fields where wildlife is common and the setting feels removed. The surrounding islands offer excellent fishing, along with plenty of swimming and exploring. Mornings bring direct sunrises over the bay, while evenings finish with a glow across the water and quiet nights-no background noise, just the fire, water, and open sky. Off-grid setup includes lake-fed water with a jet pump, indoor 2-piece washroom, and outdoor hot water shower. Fully wired; power runs off a generator and could be converted to solar. No septic system. Not a short-term rental or luxury-style cottage, but a comfortable, functional retreat for someone who values privacy and simplicity. A strong option for someone looking for private waterfront with room to explore and a setting that feels genuinely removed, without being difficult to access. With a 42-foot dock and 80-foot marine rail, just bring your boat, it is being sold fully furnished and ready to use. You'll never forget your first time to White Cloud Island!

    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
    Apr 29, 2026ListedCurrentFor sale$569,000 —X13063936This page
    Aug 11, 2025Previously listedTer$599,000 —X12336985View
    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
      Other
      Air conditioning
      None
      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.

    📍 LT 81 WHITE CLOUD Island
    What's nearby

    Points of interest classified by the MLS® feed.

    • Beach
    • Island
    • Lake Access
    • Marina
    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
    $2,795
    20% down · 25y · 5.50% — adjust below ↓
    Est. monthly property tax
    $59
    0.12% mill rate · ON
    The market

    How this home sits in the Georgian Bluffs market

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

    The Georgian Bluffs market right now

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

    • Avg sold price
      $773,781
      Last 30 days
    • Median sold price
      $650,217
      Middle of the market
    • Days on market
      48 d
      Avg from list to close
    • Closed last 30d
      57
      MLS® transactions
    Full Georgian Bluffs market report
    Buy with Coldwell Banker Summit Realty

    We'll get you into LT 81 WHITE CLOUD Island — 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 LT 81 WHITE CLOUD Island 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 LT 81 WHITE CLOUD Island listed for?

      LT 81 WHITE CLOUD Island is listed at $569,000 on the MLS® (listing X13063936). The price refreshes on Summitly within minutes of any MLS® change.

    • How many bedrooms, bathrooms, and square feet does LT 81 WHITE CLOUD Island 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. 1 bath
  2. 700-1100 sqft
  3. Detached
  4. Built 6-15
  5. 10-24.99 ac lot
  6. Asking
    $569,000
    $0 / sqft · MLS® X13063936
    Chat Zara
  7. Zara AI Estimate
    Live · refreshes nightly
    Estimated value
    $564,860
    $519,671Confidence range$610,049
    Asking vs estimate
    ≈in-line
    +$4,140
    (+0.7%)
    Asking is in line
    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 Georgian Bluffs sell in about 48 days — this one has been listed 87 days.

    Avg sold price
    $773,781
    Median sold
    $650,217
    Avg days on market
    48
    Recently sold
    57
    See comparable sales
    AI highlights by Zara
    • About 10 minutes out from Big Bay, things start to shift.
    • The noise drops off, the water opens up, and you're reminded why people look for places like this in Georgian Bay, not just for waterfront, but for the space and privacy that come with it.
    • At 24' x 36', it includes a functional kitchen, main floor bedroom, living room, loft for extra guests, and a wood stove.
    • The screened-in timber frame porch is a great space for dinners and gathering after a day on the water.
    Ask Zara a follow-up
    Other
    Sewer
    None
  8. Parking & garage

    3
    Garage
    None
    Parking spaces
    0
    Driveway
    None
  9. Interior

    4
    Basement
    None
    Family room
    N
    Kitchens
    1
    Total rooms
    2
  10. Exterior & construction

    6
    Exterior
    Board & Batten , Vinyl Siding
    Roof
    Metal
    Foundation
    Piers
    View
    Bay, Trees/Woods, Water
    Waterfront
    Y
    Pool
    None
  11. Lot & land

    2
    Year built
    6-15
    Zoning
    SR-H & EP
  12. Listing & possession

    3
    Occupancy
    Immediate
    Property style
    1 1/2 Storey
    Property class
    Detached
  13. Waterfront
  14. Wooded/Treed
  15. Combined estimate
    $2,854
    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
    $2,795
    /mo
    based on the purchase price of $569,000
    $113,800 cash
    $455,200 financed
    $383,398 total interest
    Monthly payment$2,795/ month
    Principal54%$455,200
    Interest46%$383,398

    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 Georgian Bluffs

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

    • 018389 Bruce Road 10
      Sold
      Sign in for price
      018389 Bruce Road 10
      Detached
    • 501204 Grey Road 1
      Sold
      Sign in for price
      501204 Grey Road 1
      Detached
    • 105 Washington Avenue
      Sold
      Sign in for price
      105 Washington Avenue
      Detached
    • 310420 Kemble Rock Road
      Sold
      Sign in for price
      310420 Kemble Rock Road
      Detached
    • 302088 grey rd 170 Road
      Sold
      Sign in for price
      302088 grey rd 170 Road
      Detached
    • 210194 Burgess Side Road
      Sold
      Sign in for price
      210194 Burgess Side Road
      Detached
    AddressBd / BaSqftSold$/sqft% of askSold
    LT 81 WHITE CLOUD IslandThis home2 / 17,001,100$569,000ask———
    018389 Bruce Road 102 / 1700—
    501204 Grey Road 13 / 41,500—
    Sold prices are hidden under TRREB rules. Sign in to reveal them.

    More detacheds in Georgian Bluffs

    Active listings within ±20% of this asking price.

    • 504760 Grey Road 1
      $650,000
      504760 Grey Road 1
      Detached 3 2
    • 113 Big Rock Road
      $499,900
      113 Big Rock Road
      Detached 3 2
    • 21571 Grey Road 16
      $599,900
      21571 Grey Road 16
      Detached 3 2
    • 117005 Grey 3 Road
      $549,900
      117005 Grey 3 Road
      Detached 3 2
    • 242161 Concession 3 RR1
      $525,000
      242161 Concession 3 RR1
      Detached 4 3
    • 501192 Grey 1 Road
      $640,000
      501192 Grey 1 Road
      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.

  16. One team, no handoffs

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

  17. Showings on YOUR schedule

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

  18. Mortgage that closes

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

  19. Public listing courtesy of Century 21 Millennium Inc. · displayed on Summitly per MLS® data-share rules

    LT 81 WHITE CLOUD Island is a 2-bedroom, 1-bath, 700-1100 sqft. Full room dimensions and floor breakdown are in the 'Rooms' section of this page.

  20. When was LT 81 WHITE CLOUD Island built?

    LT 81 WHITE CLOUD Island was built in 6-15. Construction style, foundation, roof material, and EnerGuide rating (when published) are in the 'Features' section above.

  21. What is the property tax for LT 81 WHITE CLOUD Island?

    The 'Property tax' tab in the History section shows the most recent annual tax for LT 81 WHITE CLOUD Island plus a 5-year breakdown with YoY % change. Monthly equivalent is shown alongside.

  22. How much would the monthly mortgage be on LT 81 WHITE CLOUD Island?

    The affordability calculator on this page shows an estimated monthly mortgage for $569,000 at 20% down, 25-year amortization, and 5.5% rate. Adjust the sliders to model your own down payment and rate.

  23. Has LT 81 WHITE CLOUD Island been sold before?

    The 'Listing history' tab above lists every previous MLS® listing of LT 81 WHITE CLOUD Island with its list date, sold price (when sold), and final status. Each row is colour-coded with price-change arrows.

  24. What neighbourhood is LT 81 WHITE CLOUD Island in?

    LT 81 WHITE CLOUD Island is in Georgian Bluffs, Georgian Bluffs. The 'Neighbourhood' section below links to the live Georgian Bluffs real estate hub with average sold price, days on market, and current inventory.

  25. Is Georgian Bluffs a good place to live?

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

  26. 105 Washington Avenue
    1 / 1
    700
    —
    310420 Kemble Rock Road2 / 1700—
    302088 grey rd 170 Road3 / 21,100—
    210194 Burgess Side Road3 / 22,000—