386 Bear Road, Georgina Islands, ON L0E 1R0
Georgina Islands, ON L0E 1R0
Quick cost estimateKnown monthly subtotal$3,696.00 / monthLand transfer tax $10,455One-time estimate
Quick cost estimate
$3,696.00 / monthKnown monthly subtotal
- Mortgage principal & interest
- $3,252.34
- Property tax / month
- $443.66
- Maintenance / month
- Period / amount not reported
Assumes 20% down, 5% annual interest and 25-year amortization. Illustrative rate, not a current quote.
Unknown expenses excluded. Mortgage insurance and closing costs are excluded; add insurance and utilities in the assumptions.
Land transfer tax · one time
- Transfer tax total
- $10,455
Before rebates, surcharges and fees. Not part of the monthly subtotal.
Tax assumptions & breakdown
Toronto municipal land transfer tax does not apply to this listing outside the City of Toronto.
- Ontario tax
- $10,455
- Toronto municipal tax
- $0
Current purchase scenario, before rebates, foreign-buyer taxes and fees. Confirm residence classification. Not historical tax paid; excluded from the monthly subtotal.
Ontario rates · Toronto rates (April 2026)
Eligible first-time purchasers may qualify for an Ontario land transfer tax refund of up to $4,000. Toronto buyers may also qualify for a separate municipal rebate of up to $4,475. Eligibility varies and these maximums are not guaranteed savings. See official eligibility links and details.
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About this home
Exceptional Georgina Island waterfront living on Lake Simcoe! Meticulously maintained & move-in ready! This approximately 3200 sq. ft. two storey cottage offers quiet privacy, luxurious living &, with 6 bedrooms, 4 bathrooms & two huge great rooms, space for family & friends. Accessible by either boat or a dedicated car/passenger ferry (see attached ferry schedule), the property has about 120 ft of waterfront & over 70 ft of composite/aluminum dock with a southern exposure, calm, clear & weed-free shallow water entry for easy boating, swimming, paddle-boarding, kayaking & canoeing. Lake views are fabulous, from inside through the floor-to-ceiling walls of windows on both levels and outside from sunny & shady spots on lawns large enough for games of all sorts. There is a lovely perennial rock garden by the large driveway off the well-cared for road as well as a double-door oversize garage with 100 amp electrical service, finished interior walls, room for 2 vehicles, lots of workshop space and a bonus finished loft above with a foosball table for more cottage fun. The cottage itself has 200 amp service with a whole-home surge protector & a 22kw Generac generator with automatic transfer which covers everything. For comfort, there is forced-air propane heating & central a/c & a HRV for always fresh indoor air. Some other top features: -excellent water treatment system with filtration & UV disinfection -LED potlights on main & upper level/ wood, slate & stone floors -vaulted ceilings on upper level -kitchen with stainless appliances & 2 walk in pantries -central vac with kitchen toe-kick -a dedicated propane line for the included Napoleon bbq on upper deck -Smart thermostat for remote control -Denon multi-speaker sound system -dedicated finished laundry room with laundry sink -new roofs (house & garage) 2023 -new hot water tank (2024) & new water softener (2025). Current land lease until 2056 with irrevocable option to renew until 2105!
Home details
- Days on market
- Not reported
- Property type
- Detached
- MLS® number
- N13690844
- Source status
- New
- Bedrooms
- 6
- Bathrooms
- 4
- Postal code
- L0E 1R0
- Kitchens
- 1
- Kitchens above grade
- 1
- Family room / den
- Yes
- Interior size (reported range)
- 3000-3500 (units not reported)
- Lot depth
- 195 ft
- Garage parking spaces
- Not reported
- Total parking spaces
- 8
- Occupancy
- Owner
- Possession type
- Flexible
- Garage
- Detached
- Annual property tax
- 5323.96
- Basement
- None
- Interior features
- Carpet Free, Central Vacuum, Primary Bedroom - Main Floor, Propane Tank, Water Heater Owned, Water Softener, Water Treatment, ERV/HRV, Generator - Full, Water Purifier
- Exterior features
- Deck, Fishing, Hot Tub, Patio, Privacy, Recreational Area
- Architectural style
- 2-Storey
- Parking features
- Private
- Pool features
- None
- Fireplace
- Yes
- Waterfront
- Yes
- Garage available
- Yes
- Heating system
- Forced Air
- Heating fuel
- Propane
- Cooling
- Central Air
- Sewer
- Septic
- Direction facing
- South
- Construction materials
- Concrete, Other
- Roof
- Asphalt Shingle
- Foundation
- Concrete, Slab
- MLS entry age (not confirmed DOM)
- 81 days
These details come from the listing source. Please confirm measurements and fees before making a decision.
Utilities and services
- Sewer
- Septic
- Heating system
- Forced Air
- Heating fuel
- Propane
- Cooling
- Central Air
A reported service is not necessarily included in rent or maintenance. Missing information does not mean a service is absent.
Rooms & virtual tours
Loading source-reported room dimensions…
Converted measurements are approximate. Levels and dimensions are shown only when supplied.
- Bedrooms above grade
- 6
- Rooms above grade
- 16
- Den / family room reported
- Yes
Reported counts are shown independently. Room dimensions have not been inferred from these counts.
Ask the listing brokerage for floor plans and measured room layouts.
Listing dates & price record
- Asking amount
- $699,000
Original MLS entry
Entry into the source MLS system; distinct from days on market.
Coverage varies by listing. Dates are source-reported calendar dates; only the latest reported asking-price change is shown. This is a partial record.
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Estimate monthly costs
Adjust the assumptions for your own scenario. Blank expenses are unknown; enter them for a fuller estimate.
Planning estimate with Canadian semiannual compounding. Excludes mortgage insurance, closing costs and special assessments. This is not a lender quote or mortgage approval.
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- Region / county
- York
- Municipality
- Georgina Islands
- MLS® community
- Georgina Island
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Around this property
Schools, transit & everyday places
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Nearby schools
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Transit near this property
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Nearby shops & amenities
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Similar homes for sale in Georgina Island, Georgina Islands, York, Ontario
Current public IDX listings in the same city and transaction type. These are alternatives to explore, not sold comparables or an appraisal.
Property questions
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Measurements, lot details and features are displayed as reported by the listing source or a named public dataset. Missing facts are not inferred. Confirm material details with the listing brokerage.
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It is a planning estimate based on the visible assumptions and reported property figures. It is not a lender quote, tax assessment, legal opinion or mortgage approval.
Home and neighbourhood overview
386 Bear Road, Georgina Islands, ON L0E 1R0, Georgina Islands is listed for sale as a Detached. The listing reports 6 bedrooms, 4 bathrooms, reported interior area of 3000-3500 (units not reported), kitchens reported as 1, parking spaces reported as 8. Asking price: $699,000. Occupancy is reported as Owner. Review the Home details, room measurements and utility sections below to compare reported specifications; confirm important details with the listing brokerage. MLS® N13690844.
Local context
Explore the area: Georgina Islands · Georgina Island.
This overview uses facts reported by the listing and named local sources. Please confirm details with the listing brokerage.
Listing brokerage: REMAX YOUR COMMUNITY REALTY. Displayed by EnterHome Realty. Source: authorized IDX record, MLS® N13690844. Information deemed reliable but not guaranteed.