$5.39M · 5+2 bed Detached · Medora, Muskoka Lakes

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About this home

This well-maintained 7-bedroom, 6-bathroom cottage offers 6,200 square feet of comfortable living space with plenty of natural light and luxury finishes. Key features include a detached two-car garage with an electric car outlet, a perennial frog pond, and a large sandy beach. The property also boasts a 3-slip boathouse with spacious docks for sunbathing and stunning bay views, perfect for deep water diving. Set on 19.88 acres with 470 feet of waterfront, the cottage has South and East-facing…

Property details

MLS#

X10437702

Status

Conditionally Sold

Beds

5+2

Baths

5 full, 0 half

Size

5000 +

Style

1 1/2 Storey

Type

Detached

Year built

—

Roof: Asphalt Shingle
Foundation: Concrete Block

Fireplaces: 0
Fireplace features: Propane

View: Water

Waterfront: Yes
Water body: Lake Muskoka
Water frontage: 470 ft
Shoreline: Shallow, Natural, Deep
Waterfront features: Dock, Beach Front

Garage: 2-car Detached
Garage spaces: 2
Parking: 8 total
Heating: Forced Air
Heating fuel: Propane
Cooling: Central Air
Pool: No
Exterior: Wood
Fronting on: —
Cross street: HWY 169 to Mortimer's Point Rd, right at #1032 to #7.
Basement: Finished, Full
Stories: —
Utilities: —
Laundry: —
Interior: Air Exchanger
Parking features: Circular Drive, Other

Rooms

Level	Room	Dimensions
Main	Kitchen	5.25m × 4.74m
Main	Kitchen	5.25m × 4.74m
Main	Kitchen	5.25m × 4.74m
Main	Dining Room	5.2m × 4.16m
Main	Dining Room	5.2m × 4.16m
Main	Dining Room	5.2m × 4.16m
Main	Great Room	6.45m × 7.03m
Main	Great Room	6.45m × 7.03m
Main	Great Room	6.45m × 7.03m
Main	Living Room	6.4m × 5.35m
Main	Living Room	6.4m × 5.35m
Main	Living Room	6.4m × 5.35m
Main	Primary Bedroom	5.66m × 5.25m
Main	Primary Bedroom	5.66m × 5.25m
Main	Primary Bedroom	5.66m × 5.25m
Main	Exercise Room	2.56m × 3.45m
Main	Exercise Room	2.56m × 3.45m
Main	Exercise Room	2.56m × 3.45m
Main	Den	3.63m × 4.41m
Main	Den	3.63m × 4.41m
Main	Den	3.63m × 4.41m
Main	Other	6.09m × 3.65m
Main	Other	6.09m × 3.65m
Main	Other	6.09m × 3.65m
Second	Other	3.83m × 7.01m
Second	Other	3.83m × 7.01m
Second	Other	3.83m × 7.01m
Second	Bedroom	3.75m × 4.57m
Second	Bedroom	3.75m × 4.57m
Second	Bedroom	3.75m × 4.57m
Second	Bedroom	3.75m × 4.39m
Second	Bedroom	3.75m × 4.39m
Second	Bedroom	3.75m × 4.39m
Second	Bedroom	3.75m × 4.54m
Second	Bedroom	3.75m × 4.54m
Second	Bedroom	3.75m × 4.54m
Second	Bedroom	3.75m × 4.54m
Second	Bedroom	3.75m × 4.54m
Second	Bedroom	3.75m × 4.54m
Lower	Bedroom	3.53m × 6.07m
Lower	Bedroom	3.53m × 6.07m
Lower	Bedroom	3.53m × 6.07m
Lower	Recreation	6.37m × 6.65m
Lower	Recreation	6.37m × 6.65m
Lower	Recreation	6.37m × 6.65m
Lower	Game Room	5.53m × 9.27m
Lower	Game Room	5.53m × 9.27m
Lower	Game Room	5.53m × 9.27m
Lower	Other	5.28m × 5.38m
Lower	Other	5.28m × 5.38m
Lower	Other	5.28m × 5.38m
Lower	Bedroom	5.74m × 4.01m
Lower	Bedroom	5.74m × 4.01m
Lower	Bedroom	5.74m × 4.01m
Lower	Other	4.19m × 3.58m
Lower	Other	4.19m × 3.58m
Lower	Other	4.19m × 3.58m
Main	Bathroom	—
Main	Bathroom	—
Main	Bathroom	—
Main	Bathroom	—
Main	Bathroom	—
Main	Bathroom	—
Second	Bathroom	—
Second	Bathroom	—
Second	Bathroom	—
Lower	Bathroom	—
Lower	Bathroom	—
Lower	Bathroom	—
Main	Laundry	2.08m × 2.41m
Main	Laundry	2.08m × 2.41m
Main	Laundry	2.08m × 2.41m
Lower	Other	4.19m × 3.58m
Lower	Other	4.19m × 3.58m
Lower	Other	4.19m × 3.58m
Second	Bathroom	—
Second	Bathroom	—
Second	Bathroom	—

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $5,395,000✓ $21,482 tax✓ Propane✓ 5000 + ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$38,029/mo

incl. closing costs (yr 1)

Annual total

$456,345

year 1

Mortgage only

$20,467/mo

principal + interest

Beyond mortgage

$6,991/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$1,079,000

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

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$1,790/mo

Utilities

Hydro / electricity$350/mo

≈ $0.07/ft² × ~5,000 ft² · ON avg ~$350/mo

Propane$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%$53,950/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$121,350

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)54% $245,604/yr

Property taxes31% $142,832/yr

Utilities2% $7,260/yr

Insurance & security0% $1,600/yr

Maintenance12% $53,950/yr

Closing costs1% $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)	$245,604	$20,467/mo
Government & taxes
Property tax	$21,482	$1,790/mo
Land transfer tax(closing)	$121,350	$10,113/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$4,200	$350/mo
Propane	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$53,950	$4,496/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	$456,345	$38,029/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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Annual costs