Case No. 823, titled “The year-long investment,” has Mr. Bill Granite, aka “Crusher” to his buddies – due in part to Granite’s profession of pounding stones into gravel, and being capable of reducing an expired beer can into a pancake by firmly pressing it against his forehead – looking to spend his weekends by the water.
As a result, a “Cottage for sale” sign, located about 2.5 hours from his Toronto home, has garnered his attention.
First, I think we need to have the Webster Dictionary people either eliminate the term cottage from our vocabulary, or come up with a better word to define what exactly people are getting themselves into.
As I recall, our cottage on Stanley Island was essentially a four-wall, one-roof, 20’ x 30’ structure, supported by concrete blocks about two feet off the ground. By today’s standards, it would be like building a residence on top of a standard backyard deck.
We had electricity, and indoor plumbing, with the water pumped into the cottage directly from the river.
Water purification system? None that I can recall, other than a piece of metal screening loosely fitted at the submerged end of the flexible pipe. The screen basically prevented small stones and sea shells from entering the system, with river bacteria and most other components allowed to flow in freely. But hey, we were always healthy, and rarely missed a day of work or play.
Upon arriving at this residence for the first time, it was clearly evident that this structure was not a cottage, at least by my definition.
What stood before us was a nice, but still modest, 1,600-square-foot bungalow, equipped with all the heating, cooling, multiple bath and shower conveniences of any regular home. The house also had a full basement, which spanned most of the home’s square footage, with the exception of the crawl space found under a most recent addition.
Essentially, this was a home, and would have been called such in any other environment, except for the fact there was a great big expanse of water in front of it, thereby earning its classification as a cottage.
Besides having country experienced friends on board to offer advice, Crusher also engaged the help of a professional home inspector, which is a good idea, and something I would definitely recommend all potential home buyers do before signing on the dotted line.
Friends will usually tell you all the good things about the home, while a home inspector will do a thorough inspection (which should take about two-to-three hours) then give you the straight facts about the joint.
After walking through the home and inspecting the grounds, there were minor issues here and there that were certainly noteworthy, however, the big issue from my perspective, and the one undeniable factor regarding this purchase, was the fact this was an investment in a second home, not a cottage.
Prepping our cottage for the winter months meant disconnecting the water pump, pulling the line out of the river, boarding up a few windows and doors, then motioning to the summer homestead with a final “see ya in six months” salute.
You can’t do that with a modern home, unless of course it’s located in Arizona, where the humidity varies from dry, to very dry.
However, this residence faces the winds of Lake Ontario 365 days per year— winds that’ll not only be pelting this home with rain, snow, and sleet every other weekend, but will be enveloping this house with sufficient humidity to effectively grow mushrooms on the ceilings. The battle to keep this “cottage” viable is going to be, like any other home, a full-time job.
So, does a person move forward with such a purchase? As long as you realize you’ll be caring for and paying expenses on two homes, instead of one and a half, like you might have expected, it’s all good.
Next week, the cottage inspection.