For Sale
$558,000
3965 Hilltop Road, Ramara, ON
Rural Ramara, Ramara
3 bd1 ba900 sqftDetached
Details
~$2,882/mo to carry, est.
$620/sqft
Listed by MASTER`S TRUST REALTY INC..
Atherley, Ramara, ON L3V 6H7
From PropTx
$569,900
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
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.
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.
Last sold Sep 10, 2026 for $525,000. That is this house rather than a comparable, so none of the usual adjustments apply.
See the full price history2 events between Jul 14, 2026 and Sep 10, 2026.
Asking price moved from $569,900 on Jul 14, 2026 to $525,000 on Sep 10, 2026, a change of $44,900.
Bright, solid, and ready for its next chapter. This one-owner bungalow sits high and dry on a beautifully treed 0.43-acre lot in the sought-after Orkney Beach pocket of Ramara, just minutes from Lake Simcoe. Large windows flood the main floor with an abundance of natural light, creating a warm, welcoming feel from the moment you walk in. High basement ceilings make the lower level feel anything but a typical basement - a real bonus for anyone looking to finish it into additional living space or renovate the existing in-law suite. Built in 1967 and never neglected, this is a rock-solid, well-constructed home: durable metal roof, vinyl windows, propane forced-air heat with central air, and a double-car garage that's a genuine rarity at this price point.The home's elevated setting means no water concerns and no sump pump required - real peace of mind for any home owner. Add a well with amazing water and UV treatment, a newer hot water tank, and decades of one-family care, and you have a home that's sound in every way that matters. Move in as-is, or update over time and make it your own.
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 $2,726 in 2026 to $2,726 in 2026.
Neighbourhood market statistics is not shown here
Not shown: our current listing agreement does not licence this figure for display.
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 Ramara 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 Jul 24, 2026.
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.
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.
At 20% down and 4.22% fixed, the all-in monthly cost works out to $2,830. Every line, the pool and the well included, plus the first-year total, is on the full breakdown.
At 20% or more there is no CMHC premium.
20% down · 4.22% 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.. $2,726 for 2026, 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.
Connect with Tara
Tara McCarthy
Broker, VP Ultra Luxury Division
Every question about this home reaches a licensed broker, not a form.
Scott McGillivray’s Trusted Network
Trades and more, once the keys are yours
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Explore the networkSourced from MyNest360
Figures such as 4.79% sample rates and estimates are illustrative only. Verify all details with a licensed professional before making an offer.
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