Enjoy waterfront living on the shores of Georgian Bay from this welcoming four-season home or cottage on sought-after Kiowana Beach Road in Meaford. Set on a beautifully maintained corner property with approximately 61 feet of waterfront frontage, east exposure, & a protected seawall, the lot offers practical flexibility with convenient access & parking from both the private lane & road frontage. A large gated access point near the water also provides excellent space for guests or RV parking close to the bay. Ideal for boating, kayaking, swimming, & evenings gathered around a beachfront campfire overlooking Georgian Bay. Inside, the home offers a bright open-concept layout where the kitchen, dining, & living areas come together around a cozy propane fireplace. Large windows & walkouts capture the water views & connect seamlessly to the expansive waterfront deck, perfect for entertaining or relaxing by the water. The primary bedroom features its own walkout to the deck, beautiful water views, & a private 3-piece ensuite. With 3 bedrooms plus a spacious office that could function as a 4th bedroom, there is flexibility for family, guests, or work-from-home living. A mudroom & main floor laundry add everyday convenience. Year-round comfort is supported by a propane Navien combi-boiler supplying domestic hot water along with hydronic radiant heat, including in-floor heating in portions of the home. Additional features include a UV system, water softener, sediment filters, updated windows, & a newer septic bed. The outdoor spaces are equally appealing with mature landscaping, raised garden beds, stone walkways to the water, a boathouse, garden shed, & hobby shed. The detached heated garage/shop offers space for hobbies, storage, recreational equipment, studio space, or potential future guest quarters (subject to approvals), with propane heat, roughed-in in-floor heating, 60 amp service with welder & compressor outlets, & 10-foot ceilings for flexible year-round use.