$1.73M · 3+1 bed Detached · Rural Innisfil, Innisfil

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About this home

Welcome to your waterfront legacy. Set along 69 feet of pristine shoreline on Lake Simcoe's coveted Cooks Bay, this extraordinary waterfront log home offers a rare opportunity to own a piece of history while embracing year-round lakeside living. Fully winterized and rich in character, this one-of-a-kind residence seamlessly blends heritage craftsmanship with modern comfort. Originally constructed in 1872 on Bear Lake and meticulously reconstructed on a new foundation in 1979 in sought-after Gilf…

Property details

MLS#

N13417878

Status

Buy Now

Beds

3+1

Baths

3 full, 0 half

Size

1500-2000

Style

2-Storey

Type

Detached

Year built

—

Roof: Metal
Foundation: Other
Property features: Waterfront, Beach, Marina, Park, School Bus Route, Lake/Pond

Fireplaces: 3
Fireplace features: Living Room, Wood, Rec Room

View: Lake, Water

Waterfront: Yes
Water view: Direct,Unobstructive
Water body: Lake Simcoe
Water frontage: 21.03 ft
Shoreline: Clean
Waterfront features: Winterized, Marine Rail, Dock

Garage: 1-car Detached
Garage spaces: 1
Parking: 7 total
Lot: 69 × 290
Heating: Other
Heating fuel: Ground Source
Cooling: Other
Pool: No
Exterior: Wood, Log · Porch, Awnings, Deck, Landscaped, Year Round Living
Fronting on: West
Cross street: 2nd Line/Dempsey/Bayshore
Basement: Finished, Full
Stories: —
Utilities: —
Laundry: —
Interior: Water Treatment, Storage, In-Law Capability, Guest Accommodations, Carpet Free
Parking features: Private

Rooms

Level	Room	Dimensions
Main	Living Room	6.12m × 9.11m
Main	Dining Room	3.49m × 9.11m
Main	Kitchen	4.49m × 6.4m
Second	Primary Bedroom	4.59m × 6.09m
Second	Bedroom 2	5.3m × 6.69m
Second	Bedroom 3	3.49m × 4.09m
Basement	Family Room	6.4m × 6.8m
Basement	Bedroom 4	2.7m × 3.8m
Basement	Laundry	1.7m × 3.5m
Upper	Loft	8.41m × 5.45m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $1,729,000✓ $8,518 tax✓ Ground Source✓ 1500-2000 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$12,234/mo

incl. closing costs (yr 1)

Annual total

$146,804

year 1

Mortgage only

$6,559/mo

principal + interest

Beyond mortgage

$2,628/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$345,800

20%+ required — no CMHC insurance on $1.5M+ homes

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$710/mo

Utilities

Hydro / electricity$123/mo

≈ $0.07/ft² × ~1,750 ft² · ON avg ~$123/mo · assumes gas heat

Ground Source$125/mo

Typical ON gas-heated home · ~$125/mo

Water / sewer$60/mo

ON municipal avg ~$60/mo

Internet / TV / phone$70/mo

ON internet/TV avg ~$70/mo

Maintenance & upkeep

Maintenance reserve1.0%$17,290/yr

1% of value/yr — standard reserve

Landscaping & snow$0/mo

Landscaping & snow removal · $0 default

Home insurance$100/mo

$100/mo default · adjust for your home

Security system$0/mo

Optional monitoring · $0 default

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$31,055

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)54% $78,711/yr

Property taxes27% $39,573/yr

Utilities3% $4,530/yr

Insurance & security1% $1,600/yr

Maintenance12% $17,290/yr

Closing costs3% $5,100/yr

Mortgage is 54% of your true cost of ownership. The other 46% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$78,711	$6,559/mo
Government & taxes
Property tax	$8,518	$710/mo
Land transfer tax(closing)	$31,055	$2,588/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$1,470	$123/mo
Ground Source	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$17,290	$1,441/mo
Closing costs (one-time)
Legal / lawyer(closing)	$2,500	$208/mo
Home inspection(closing)	$600	$50/mo
Moving costs(closing)	$2,000	$167/mo
Total	$146,804	$12,234/mo

Listing facts below · Ontario averages for utilities — drag sliders to match your home. CMHC added to loan principal only — not double-counted in chart.

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219 Bayshore Road

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Property details

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Annual costs