A four-season cottage on 185 feet of west-facing shoreline, with deep water off the dock and a treed 1.4-acre lot that keeps the neighbours out of sight. The great room opens to a lakeside sunroom added in 2022, and a wood stove backs up the propane furnace through the winter. A dock and boathouse sit at the water's edge, the septic system was replaced in 2021, and a detached sleeping cabin is nearly finished for guests. The road is municipally maintained year-round.
Property details
Property type
Waterfront cottage
Style
1½-storey
Season
Four-season
Lot size
1.4 acres
Water supply
Drilled well
Sewage
Septic (2021)
Road access
Year-round municipal
Waterfront
Dock + boathouse
Heating
Propane + wood stove
Taxes (2026)
$4,280 / yr
Zoning
Waterfront Residential
PIN
39214-0187(LT)
Waterfront & Lake Profile
Neighbourly Enhanced
Lake
Kawartha Lake
Haliburton Highlands, ON
Surface area
3,240 ha
Lake boundary record
Maximum depth
42 m
Mean depth 14 m
Thermal regime
Dimictic
Mixes spring and fall
Shoreline frontage
185 ft
Matched to lake boundary
Depth at dock
2.4 m
Nearest bathymetry line
SourceLake boundary, bathymetry and aquatic resource records · 3 boundary levels of detail
Fish & Wildlife
Neighbourly Enhanced
Species recorded in this lake
Lake trout
Smallmouth bass
Largemouth bass
Yellow perch
Lake whitefish
Recent stocking events
Lake trout
Yearlings · provincial hatchery
2025-05-1212,000 fish
Lake trout
Yearlings · provincial hatchery
2023-05-1611,500 fish
Splake
Fall fingerlings · provincial hatchery
2021-10-048,000 fish
Wildlife management unit
WMU 57A
Province of Ontario
Fisheries management zone
FMZ 15
Linked to regulation summary
Bait management zone
BMZ C
Zone de gestion C · EN / FR
Public Lands & Recreation
Neighbourly Enhanced
Nearest Crown land
Conservation reserve
900 m · provincially managed
Public boat launch
Hemlock Bay access
1.4 km · launch + dock
Public campground
Pine Narrows
6.2 km · 84 sites · provincial
Nearest trail
Ridgeline Loop
2.1 km · 8.4 km · natural surface
Natural Hazards
Neighbourly Enhanced
Flood exposure
Low
Dwelling sits above mapped flood zone
Wildfire risk
Moderate
Forested interface on three sides
Other environmental hazards
None flagged
Within 500 m of the parcel
NoteFlood zone, wildfire risk and environmental hazard overlays · for screening, not a substitute for an inspection or insurance quote
Address Intelligence
Neighbourly Enhanced
unit_number
—
street_number
1184
street_name
Hemlock Point
street_type
Road
municipality
Haliburton Highlands
province
Ontario (ON)
postal_code
K0M 1S0 Verified
coordinates
45.041260, −78.512840
dissemination_area
35460112 (Census 2021)
lake_boundary_id
kawartha-lake
census_subdivision
Haliburton County
match_confidence
0.971 — Parcel geocode
Area Profile
Neighbourly Enhanced
Area
Haliburton Highlands
Rural · waterfront
Median household income
$78,400
Census 2021 · DA
Population density
6
per km²
Avg household size
2.2
persons
Owner-occupied
86%
of dwellings
Usual residents
44%
of dwellings; the rest seasonal
Dwelling mix in DA
Detached
91%
Mobile
5%
Semi / row
3%
Other
1%
Energy Profile
Neighbourly Enhanced
DEnerGuide
Energy intensity
226 kWh
per m² / year
Est. annual energy cost
$4,120
Propane + hydro combined
GHG emissions
5.3 t CO₂e
per year (est.)
Insulation year
2009
Attic only; walls original
Primary heat source
Propane FAF
Wood stove as backup
Hot water
Electric tank
50 gal · 2019
Data confidence
Medium — modelled from permit data + regional stock curves
Permit History
Neighbourly Enhanced
Dock & boathouse
Shoreline · 420 sq ft
2018-08-02$41,000
Septic system replacement
Sewage · Class 4 tile bed
2021-06-11$28,500
Lakeside sunroom addition
Structural · 240 sq ft
2022-05-19$64,000
Propane furnace
Mechanical · high-efficiency unit
2023-10-30$9,400
Detached sleeping cabin
New construction · awaiting final inspection
2025-04-22$52,000
SourceMunicipal building department records · last synced November 2, 2026
Demographics
Neighbourly Enhanced
Age distribution · DA
0 – 19
15%
20 – 34
11%
35 – 54
21%
55 – 74
39%
75 +
14%
Mother tongue · DA
English
90%
French
3%
German
2%
Dutch
1%
Other
4%
SourceStatistics Canada · Census 2021 · Dissemination Area 35460112