The trademarks MLS®, Multiple Listing Service®, and the associated logos are owned by the Canadian Real Estate Association (CREA) and identify the quality of services provided by real estate professionals who are members of CREA. Listing data provided by the Toronto Regional Real Estate Board (TRREB). Data is deemed reliable but not guaranteed.
This property truly needs to be experienced in person. Offering your own slice of paradise on Lake of Bays for under $1 million, this charming waterfront retreat is nestled in a welcoming lakeside community where neighbours quickly become friends.This fully winterized, 2-bedroom, 1-bathroom cottage offers comfortable year-round living, complete with main-floor laundry, central vacuum, and a gentle, easy walk to the front entrance. Step inside and your eyes are immediately drawn through to the expansive lakeside deck, where breathtaking views of Lake of Bays await. Perfectly positioned in a quiet bay, you'll enjoy spectacular waterfront scenery without heavy boat traffic passing your dock-creating a peaceful setting for swimming, paddling, or simply relaxing by the water. The unfinished walkout basement provides excellent storage today, with plenty of potential to create additional living space in the future. Outside, granite steps lead you down to a beautiful fire pit overlooking the lake, while the cozy bunkie with bunk beds offers the perfect space for kids or overnight guests. Spend your days launching the boat for an evening sunset cruise, exploring the shoreline by kayak or paddleboard, casting a line off the dock, or enjoying the sandy, walk-in shoreline. For those looking for a little more adventure, the floating dock is perfect for jumping into the crystal-clear water. This special property combines everything you love about cottage life - a charming, move-in-ready home, exceptional waterfront, and endless opportunities to create lasting memories on one of Muskoka's most sought-after lakes.
Property Details
Listing
MLS® number
X13622180
Status
For Sale
Listed
Jul 30, 2026
Last updated
Oct 18, 2026
Possession
Flexible
Building
Type
Detached
Style
Bungalow-Raised
Approx. age
51-99
Approx. size
700–1,100 ft²
Basement
Unfinished
Lot
Frontage
47.00 ft
Depth
238.00 ft
Lot area
≈ 11,186 ft² (calculated)
View
South
Community
Mclean
Parking & utilities
Garage
None, 0 spaces
Driveway
6 spaces
Heating
Forced Air
Cooling
None
Water / sewer
Not provided by brokerage
Taxes
Property tax
$2,193 / 2026
Condo fee
N/A
Source
Data source
TRREB (VOW feed)
Listed by
Chestnut Park Real Estate
Interior
Level
Room
Size
Features
Loading rooms…
Interior Features
Bedrooms above grade: 2
Kitchens: 1 above grade
Basement: Unfinished
Heating: Forced Air
Cooling: None
Central vacuum: Yes
Exterior
Waterfront: Yes
Waterfront features: Direct
Pool features: None
Property features: Library, Marina, Park, Place Of Worship, Waterfront, Rec./Commun.Centre
Demographic data is not available for this area yet.
Population—
Median household income—
Median age—
Age Groups
Age group data is not available.
Owners vs Renters
Ownership data is not available.
Household Type
Household data is not available.
What’s NearbyDistances approximate
No nearby school data is available for this listing.
Transit score information is not available for this listing.
Nearby everyday places are not available for this listing.
Always confirm school catchments with the local school board.
Estimated Rental Income
Rental estimate coming soon
We’re not showing a number until we have a data source we trust. When it’s connected, this section will show:
A monthly rent range from nearby leased homes of the same type and size
The leased comparables behind it (signed-in, VOW-gated)
Gross yield at the current list price
Monthly Cost
A quick estimate to plan with. Taxes come from the listing; change the other inputs to match your situation.
Estimated monthly$3,175/mo
Mortgage (principal + interest)$2,992
Property taxFrom listing: $2,193/yr$183
Minimum $54,990 down for this price; the slider moves in whole percent, starting at 7%. Under 20% adds mortgage default insurance. Confirm with a lender.
Mortgage uses Canadian semi-annual compounding. Houses-Gate doesn’t offer financing.
Estimated Budget
About how much cash you’ll need on closing day, besides the mortgage.
Down payment20% of the list price$159,980
Ontario land transfer taxProvincial brackets, no first-time refund$12,473
Legal fees & disbursementsTypical range $1,800–$2,800$1,800
Home inspectionTypical range $500–$800$600
Title insuranceTypical range $300–$600$400
Cash needed at closingEstimate$175,253
First-time buyers can get up to $4,000 back on Ontario land transfer tax. Lake of Bays has no municipal land transfer tax (Toronto does).
Uses Ontario’s land transfer tax brackets and the down payment set in Monthly Cost. Legal, inspection and title-insurance figures are typical ranges, not quotes.
Listing data is provided under copyright by the Toronto Regional Real Estate Board (TRREB). The data is deemed reliable but is not guaranteed to be accurate. The trademarks MLS®, Multiple Listing Service®, and the associated logos are owned by the Canadian Real Estate Association (CREA) and identify the quality of services provided by real estate professionals who are members of CREA.
The information provided herein must only be used by consumers that have a bona fide interest in the purchase, sale, or lease of real estate and may not be used for any commercial purpose or any other purpose.
All information deemed reliable but not guaranteed. All properties are subject to prior sale, change, or withdrawal. Neither listing broker(s) nor HousesGate shall be responsible for any typographical errors, misinformation, misprints, and shall be held totally harmless.
