First beach cottage. Year-round family home. Waterfront property. Investment cottage. I help buyers find the right fit at the right price, at the pace that works for them.
The right buying process starts well before you find the property. Here is how Maria runs it.
A free call to understand what you are actually looking for and the realities of the market right now.
I map your priorities to the streets, communities, and price bands that fit, and identifies the homework worth doing first.
Property walk-throughs, condition assessment, septic and well factors for rural properties, and a clear-eyed view of value.
Calm negotiation, clear communication with your lender and lawyer, and a closing that runs the way it should.
Beach frontage, shoreline, and lake-access properties from Sauble Beach to Tobermory. Maria knows which stretches swim best, where the bottom drops, and which roads see the best sunsets.
Knowing the practical difference between seasonal and four-season ownership saves buyers from expensive surprises. Maria walks every property with the right questions.
Year-round homes in Sauble Beach, Southampton, Port Elgin, Wiarton, and Owen Sound for buyers relocating or retiring to the coast.
Sauble Beach has one of the strongest seasonal rental track records in Ontario cottage country. Maria can walk through municipal rules and realistic income expectations.
Rural and waterfront real estate has more moving parts than urban transactions. The list on the right is what Maria walks every buyer through before an offer goes in. None of it is hard once you know it.
If you have any of these in your head as a question already, that is a great sign you want to start with a conversation.
Several cottages along this coast, including some in Sauble Beach, sit on First Nation reserve land. It is a different kind of purchase, and a good one for the right buyer once you know how it works.
Some cottages sit on First Nation reserve land, most often Saugeen Indian Reserve No. 29 or Chief's Point Indian Reserve No. 28. You own the cottage itself, but the land underneath it is leased from the First Nation. These listings are marked "Landlease" on MLS®, and the municipality shows as Native Leased Lands. Owners pay an annual land lease amount plus a separate yearly service fee, billed apart from each other. Both are reviewed roughly every five years, and the amount depends on the specific lease, so Maria pulls the current figures for any property you are considering rather than quoting a general number.
Not through a conventional mortgage, since the land itself is not owned by the buyer. Most buyers work with a private lending solution instead. Maria can connect you with lenders and lawyers who understand these deals so you know your financing options before you write an offer.
No. The current lease covers occupancy from May 1 to October 31, plus 10 additional days spread across the remaining months. Some earlier leases allowed a paid two-month extension beyond that window, though whether the current lease carries the same option can vary and needs to be confirmed for each property. Maria will check the exact terms on file before you make an offer.
Short-term and residential rental is generally not permitted under a leased land lease. Rules can differ by property, so Maria confirms the specific lease terms before you count on rental income as part of your numbers.
Talk to a local lawyer who has closed leased land deals before, since the process is different from a standard freehold purchase. Maria works with lawyers in the area who know this market and can walk you through the lease terms, fee schedule, and renewal history for that specific property.
Live MLS® listings refreshed throughout the day, sourced through the OnePoint Association of REALTORS® via PropTx.
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The best buying process starts long before you have a property in mind. Reach out and I will set up the right conversation.