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.
Muskoka cottage with private dock and Lake of Bays access. Exceptional value in a sought-afterlocation. Welcome to 1257 Paint Lake Road . An increasingly rare opportunity to own an affordable cottage with real waterfront use on one of Muskoka's most desirable lake systems. This 2-bedroom, 1-bath cottage is ready to enjoy immediately, offering a warm, inviting interior with a WETT-certified wood-burning fireplace and a bright sunroom for added living and sleeping space. Set back from the road with a forested backdrop, it delivers privacy and a relaxed cottage feel. Your 58 feet of deeded shoreline just across the road features a clean, sandy-bottom entry and private dock, ideal for swimming, boating, and long summer days on the water. Paint Lake offers direct boating access into Lake of Bays, unlocking extended exploration, waterfront destinations, and full-day adventures. With year-round access on a municipally maintained paved road, plus a drilled well, septic system, and detached garage for storage, this property is both practical and easy to enjoy from day one. In a market where many options are water-access only, vacant land, or priced significantly higher, this property stands out as a smart entry into Muskoka ownership with immediate use and long-term upside. The lot also offers strong potential to expand or build a larger custom two-storey cottage, whether for personal use or as an investment rental, while still enjoying the existing structure today. Opportunities like this are limited. Secure your place in Muskoka paradise now and start making the most of the seasons ahead. If you're looking for a summer retreat, a family gathering place where cherished memories are made, or a property with future upside, this is your opportunity to step into Muskoka cottage living today, with the flexibility to grow into something more.
Property Details
Listing
MLS® number
X13776622
Status
For Sale
Listed
Sep 12, 2026
Last updated
Sep 12, 2026
Possession
Flexible
Building
Type
Detached
Style
Bungalow
Approx. age
51-99
Approx. size
<700 ft²
Basement
None
Lot
Frontage
105.00 ft
Depth
152.70 ft
Lot area
≈ 16,033 ft² (calculated)
View
East
Community
Ridout
Parking & utilities
Garage
Detached, Garage, 1 space
Driveway
Private, 2 spaces
Heating
Baseboard
Cooling
None
Water / sewer
Not provided by brokerage
Taxes
Property tax
$1,414 / 2025
Condo fee
N/A
Source
Data source
TRREB (VOW feed)
Listed by
RE/MAX ESCARPMENT REALTY INC.
Interior
Level
Room
Size
Features
Loading rooms…
Interior Features
Bedrooms above grade: 2
Kitchens: 2 above grade
Basement: None
Heating: Baseboard
Cooling: None
Fireplace: Yes
Fireplaces: 1
Exterior
Waterfront: Yes
Waterfront features: Indirect
Pool features: None
Property features: Lake/Pond, School Bus Route, Waterfront
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$1,895/mo
Mortgage (principal + interest)$1,777
Property taxFrom listing: $1,414/yr$118
Minimum $23,750 down for this price; the slider moves in whole percent, starting at 5%. 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$95,000
Ontario land transfer taxProvincial brackets, no first-time refund$5,975
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$103,775
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.
