For Sale
Finlayson, Lake of Bays, ON P1H 2J6
From PropTx
$999,900
As listed by the seller and their brokerage. It is a request, not a valuation, and nothing tests it until an offer arrives.
From MyNest360
The tools we build on top of the listing, each figure sourced and none of it PropTx data: what the house really costs to hold, what it costs to borrow against, and the inspection to book before your conditions come off.
From PropTx
The price, facts, description and history exactly as the feed states them. Nothing in this section is our own estimate.
Counts and measurements as the listing states them, not verified by us. Source: PropTx
What comes from PropTx, and what is ours
The price, address, room and size figures, description and days on site are sourced from PropTx and can lag the live listing. The map placement and the cost, offer, insurance and rental tools below are our own work, not PropTx data. Anything we have modelled rather than sourced carries an Est. tag.
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Prior asking prices, terminations and relists are licensed to registered members only. Nothing here should be read as evidence that the current price is the only price this house has been offered at: it is a limit on who we may show this to, not a finding about the listing.
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A private waterfront retreat with the warmth and character of an authentic Pan-Abode cedar log home, set on the tranquil shores of Oxbow Lake in the Township of Lake of Bays. Just 30 minutes from Huntsville, this four-season property offers a peaceful rural setting without sacrificing convenient access to shopping, dining and everyday essentials. Known locally as "Fatty's Lake," Oxbow Lake spans approximately 170 hectares, with clear, deep water, rocky shorelines, sandy shallows and excellent fishing. The home's east-facing exposure captures beautiful sunrises over calm, sheltered water, while afternoon sun fills the wraparound deck. Inside, rich cedar walls, vaulted ceilings, exposed timber beams and a wood-burning stove create the inviting atmosphere of a classic Muskoka retreat. The three-bedroom, two-bathroom layout includes a lake-facing kitchen with ample storage and a dishwasher, a primary ensuite with a soaker tub, and a bright three-season sunroom that opens directly onto the deck. At the shoreline, a private dock provides effortless access to the lake. An electrical serviced waterfront bunkie with a screened porch offers additional space for guests, children or quiet afternoons by the water. Thoughtfully equipped for year-round enjoyment, the property also features propane forced-air heating, a year-round lake water intake with UV treatment, sump pump, an attached single-car garage connected by a breezeway, two storage sheds and an outdoor workbench. Whether envisioned as a weekend escape from the city or a full-time home immersed in nature, this is an opportunity to experience the privacy and simplicity of lakeside living-within easy reach of Huntsville and the best of Muskoka.
Written by the listing brokerage to sell the house. Nothing in it is verified, so take its claims about condition to an inspection, not from it.
The pills are copied from the listing and sorted for reading, with nothing added to them, and a group the listing did not fill in is absent rather than empty. Where a group is written as sentences instead, those are ours: what the listing named, and what it means.
On the record, and not one of the groups above.
1 years, from $3,661 in 2025 to $3,661 in 2025.
Neighbourhood market statistics is available to members
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Medians, sale-to-list ratios and absorption are computed from sold prices, and they are licensed to registered users only. There is no approximate version of a median that would be honest to show in their place.
Every home of this type in Lake of Bays that has sold in the last 3 years.
Contact details for the listing agent are not shown: our current listing agreement licences them to registered users only.
Sourced from: PropTx. Last updated Sep 6, 2026.
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. Listing information is deemed reliable but is not guaranteed accurate by the Toronto Regional Real Estate Board or PropTx.
From MyNest360
None of this is PropTx data. Each figure is our own and carries its source: the true cost to own, the mortgage studio, the inspection plan, and the rest.
At 20% or more there is no CMHC premium.
20% down · 4.59% indicative 5-yr fixed · The number of years the whole balance is paid off over. A longer amortization lowers the monthly payment and raises the total interest.. $3,661 for 2025, from the tax figure stated on the listing, divided by twelve. That is what the current owner pays, as the listing states it. That twelfth is the annual amount levelled across the year and not a payment you will make on any date. How a municipality actually collects it is set out in documents nobody here has read.; heat and utilities estimated. Figures illustrative.
Compare lenders and private optionsIt asks one question first: whether someone is already acting for you. That answer changes who books the visit and who is on your side inside the house.
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Tara McCarthy
Broker, VP Ultra Luxury Division
Every question about this home reaches a licensed broker, not a form.
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Figures such as 4.79% sample rates and estimates are illustrative only. Verify all details with a licensed professional before making an offer.
The listing does not say whether there is a second dwelling unit here. Other records in this set state it either way, so this is a silence rather than a no.
Listed by RE/MAX GOLD REALTY INC..
Listed by Chestnut Park Real Estate.
Listed by Coldwell Banker Thompson Real Estate.
Two figures stand against this house for two different purposes, the asking price and the assessment, so they do not agree and were never meant to. The gap is worked out here rather than left for you to hold in your head.
Nothing of this kind on the record, and nothing here fills it in from an average of other houses.
The figure property tax is apportioned from, valued as of a date that is not today. It is not a market value and no lender treats it as one.
None of these is an appraisal. Your lender orders one of those once an offer is accepted, and it is the figure that decides how much they will actually lend.
Listed by RE/MAX GOLD REALTY INC..
At 20% down and 4.59% fixed, the all-in monthly cost works out to $4,930. Every line, the pool and the well included, plus the first-year total, is on the full breakdown.
Listed by Peryle Keye Real Estate Brokerage.
Listed by Chestnut Park Real Estate.
Listed by Coldwell Banker Thompson Real Estate.
Listed by Royal LePage Lakes Of Muskoka Realty.
Listed by Sotheby's International Realty Canada.