Understanding Shoreline Road Allowances: A Guide for Waterfront Property Buyers

When this question comes up, do you know the answer? Does your GTA agent know?

First of all, what is a shoreline road allowance (SRA)? Well, in the late 19th century, the Crown instructed their surveyors to lay out 66-foot road allowances along the banks of lakes and rivers in Ontario. These road allowances were used for logging and transportation of goods. Today, there is very little use, if at all, commercially, for road allowances. Since road allowances were no longer of interest to the general public for commercial uses, the Crown turned over the road allowances to the individual municipality in which the lakes were located. This leaves the road allowances being owned publicly.

Over the years, individual landowners were offered the opportunity to purchase the SRA from the municipality for exclusive use. Having ownership of the SRA would mean there would be fewer restrictions the seller would have on usage and building. Many did purchase the SRA, but many did not. Municipalities would not enforce rules in the past, so many cottages, boathouses and docks were built on these SRA’s. In today's tighter enforcement and environmental protection, problems can arise with current and future usage if the SRA is not owned. That said, “riparian rights” does say you could build a dock on the SRA, for example, and enjoy it without any problems with the proper permits.

For property owners whose existing access and use of the shoreline are not dependent on the SRA, there may be less need to purchase it. As long as they have secured riparian rights—the legal rights of property owners whose land abuts a body of water—they can often continue using the shoreline without owning the SRA. In these cases, the property owner may decide the costs and hassle of purchasing the SRA outweigh the benefits.

The rules and processes around SRAs can vary considerably between different municipalities. Some have limited the number of SRAs they'll sell yearly, while others are more open to property owners purchasing them. It's essential for anyone interested in an SRA adjacent to their property to research the specific policies and procedures in their local area.

However, this nuanced understanding of SRAs is not always known by all real estate agents, especially GTA agents. SRA is not part of the city business. Many may be unaware of the varied municipal regulations, the options for purchasing the SRA, or the implications of riparian rights versus owning the SRA. This lack of comprehensive knowledge can lead to misinformation or oversight regarding properties with shoreline road allowances.

Property buyers and sellers should carefully investigate the status and ownership of any SRA associated with a lakefront or riverfront property rather than rely solely on the advice of their real estate agent. Consulting with the local municipal planning department or a real estate lawyer specializing in waterfront properties can help ensure all the relevant details around the SRA are understood before proceeding with a transaction.

Brought for you by: Your local Realtor®

If you are looking to either Buy or Sell, contact me at 705-927-6236

Brad Sinclair, Sales Representative

Team Lead at The Brad Sinclair Team

Royal Heritage Realty

Your inside source to cottage country

Top 5 Lakes to Consider in the Kawartha Highlands for Real Estate Buyers

1. Kasshabog Lake (aka Kosh)

Kasshabog Lake is in the Great Lakes Basin and is home to a cottaging community, including game fishing, a marina, and lodges. 

Notwithstanding, many lakes in the province have an association. Kasshabog Lake in the Kawartha's has its association. The Lake Kasshabog Residents Association is an excellent resource for anyone visiting the area or looking to purchase waterfront property.

Kasshabog Lake has soft, slightly acidic water with a moderately low apparent colour. The hardness, alkalinity, and conductivity levels indicate the lake is well mixed. The irregularly shaped lake has dozens of islands and shoals, channels, drop-offs, weed beds, and bays.

Did you know a small public beach area is a hidden gem on this lake? 

There are also gravel based public launches located off of Blue Mountain Rd. 9 on the southeast side. 

There is another launch at the end of Peninsula Rd., which runs along the south side of MacDonald Bay.

The surface area of Lake Kasshabog is approximately 810 hectares (2,000 acres) with a max depth is around 35m (115 feet). The lake's average depth is approximately 4.6m (15 feet).

Surprisingly, an unknown tidbit is that Lake Kasshabog is a landlocked lake. It has its water levels controlled by a dam. The Crowe Valley Conservation Authority monitors the lake level and operates the dam on behalf of the MNRF. You can learn more about the history of this dam by visiting the Lake Kasshabog Residents Association site and following to Lake Kasshabog Dam.

Primary fish species include Small and Largemouth Bass, Muskellunge, Walleye, and Rock Bass.

If you are visiting or a long-time resident, spend some time at the Petroglyph Provincial Park. This Park is where you can find indigenous rock carvings dating back over 1000 years. Hiking trails and a visitor centre offer an overview of the area's local history and the cultures who settled there.

We love Kasshabog Lake & Peterborough and the Kawartha's. We want to share all that there is to explore and do!

2. Chandos Lake Real Estate

Chandos Lake, located in the North Kawartha region of Ontario, Canada, is a hidden gem that offers breathtaking views and a tranquil atmosphere. This picturesque lake has become a popular destination for locals and tourists alike, thanks to its natural beauty and the wide range of activities it offers.

Chandos Lake was once called Loon Lake, it was originally called Mongosogan by the Mississauga Anishinabe, a sub-tribe of the Anishinaabe-speaking First Nations – on whose traditional territory it lies.

Chandos is the only area lake that is over 1000 hectares in size with an average depth of over 10m. Other area lakes are either overly small or overly shallow. Although not one of the Kawartha Lakes proper, Chandos Lake is part of the Kawartha cottage country.

The lake is lined with some 1,200 cottages.

Boat Launches are located at the North end off of Hwy. 620 and McCauley's Road at South Bay. 

Surface area 1,387 hectors (3,427 acres) max depth is approximately 45.7 m (150 feet) average depth is 13.10m (43 feet).

Chandos Lake is a haven for those seeking outdoor adventures. Whether you prefer kayaking, canoeing, fishing, or hiking, this lake offers a myriad of opportunities to explore the wilderness. The calm and peaceful nature of the lake makes it an ideal spot for paddling, allowing you to glide through the water while taking in the awe-inspiring views that surround you.

Anglers flock to Chandos Lake for its abundant fish population. The lake is known for its excellent fishing opportunities, with a variety of fish species including lake trout, large and smallmouth Bass, Northern Pike, and Yellow Perch.

3. Stoney Lake

Stoney Lake was of interest to loggers who arrived in the early 1800s soon after the loggers were followed by settlers and miners.

Today, the lake is enjoyed by seasonal and year-round residents, boaters, and sports fishermen.

At the East end of Stoney Lake is Petroglyphs Provincial Park. Where you can enjoy a piece of history and check out Canada's largest known concentrations of prehistoric rock carvings.

Located close to Apsley and not far from Peterborough this lake gives you plenty of options for amenities. Apsley Veterinary Services is close by in case your pet was in need of medical attention.

An interesting fact about the lake is its size Stoney Lake has a surface area of approximately 2800 hectares (6918 acres).

Maximum depths of up to 32m (105 feet).

Average depth of about 5.9m (19 feet).

Major fish species found in this lake include: Small and Largemouth bass, Muskie, Walleye, Yellow Perch, Black Crappie, Bluegill, Cisco, and Whitefish.

Boat launches can be found at: Crowes Landing-2374 Crowe's Landing rd. McCracken's Landing – 2281 McCracken's Landing rd.

4. Catchacoma Lake

Welcome to Catchacoma, a deep lake nestled in the heart of rolling hills and dense boreal forest. This hidden gem offers a true wilderness experience with its clear waters and diverse wildlife. In this article, we will take you on a journey through the wonders of Catchacoma, from its serene lakes to its vibrant flora and fauna.

Spanning approximately four miles in length and two miles in width, Catchacoma is a paradise for fishing enthusiasts. Bass, trout, and sunfish thrive in its pristine waters, offering an exciting challenge for anglers of all skill levels. Its interconnected waterways allow boaters to explore neighbouring lakes such as Beaver, Cavendish, Gold, and Mississauga Lakes.

Venture into the woods at the north end of Catchacoma, and you'll find yourself immersed in untouched wilderness. As you wander the paths, you'll stumble upon hidden lakes where humans rarely tread. These secluded havens are home to beavers, whose lodges and dams have created ponds teeming with aquatic life. Marvel at the abundance of frogs and the symphony of birds nesting in the towering coniferous and deciduous trees. You might even spot majestic blue herons gracefully resting at the water's edge if you're lucky.

From Catchacoma, you can navigate through narrow waterways and discover the tranquil beauty of Cold Lake. As you paddle through a shallow channel, you'll be greeted by the sight of painted turtles basking on sun-soaked logs. Floating islands adorned with sundews and carnivorous plants create a captivating scene as they lure and trap unsuspecting insects. This oasis of calm and natural wonders will leave you in awe of Mother Nature's design.

Embark on a twenty-minute walk through the enchanting forest, and you'll unveil the secrets of Cox Lake. This hidden gem, nestled amidst the wilderness, awaits those seeking solace and tranquillity. Lose yourself in the serenity of its shores and embrace the soothing ambiance that only nature can provide.

5. Baptiste Lake

Approximately 9 miles Northwest of Bancroft. Follow Hwy 62 North to Birds Creek, turn left on South Baptiste Lake Road approximately 5 miles. Baptiste is our largest lake chain with over 36 miles of boating between Benoir, Elephant and Baptiste. Waterfront properties hold a higher value than some of the other lakes in the area. The lake is blessed with approximately 50% of the shoreline being crown land. There are four public access points, one large marina to service approximately 600 cottager's and year round home owners.

This comprehensive guide has provided an in-depth look at the top 5 lakes in the Kawartha Highlands area, showcasing their unique features, activities, and natural wonders. Whether you're a real estate buyer, outdoor enthusiast, or simply someone seeking a tranquil escape, these lakes offer an unparalleled experience. From the serene waters of Kasshabog Lake to the hidden gems of Catchacoma and Baptiste, the Kawartha Highlands is a true haven for those seeking to immerse themselves in the beauty of nature. We hope this guide has inspired you to explore and discover the magic of these breathtaking lakes.Surface Area - 5,254 acres, Maximum Depth 103 feet.

Lake Trout, Muskellunge, Smallmouth Bass, Walleye, Perch

Written for you by:

Your local Realtor®

If you are looking to either Buy or Sell, contact me at 705-927-6236

Brad Sinclair, Sales Representative

Team Lead at The Brad Sinclair Team

Royal Heritage Realty

Your inside source to cottage country