$578,000
Est. payment $2,559/moCalculate yours
3965 Hilltop Road, Ramara, ON L3V 6H7
Rural Ramara, Ramara, ON L3V 6H7
- 3 Beds
- 1 Baths
- 700 Sq Ft
Listing courtesy of MASTER`S TRUST REALTY INC. MLS® S13877862
About this home
Affordable Lake Simcoe Living! Welcome to 3965 Hilltop Rd in the beautiful community of Ramara, just walking minutes fromthe shores of Lake Simcoe. This charming 3-bedroom bungalow sits on a generous 60 x 200 ft lot, offering plenty of outdoor space andparking for up to 6 vehicles. Perfect for first-time buyers, weekend cottage seekers, or investors, this property provides a rare opportunity to live near Lake Simcoe at an affordable price. Enjoy easy access to nearby beaches, boating, fishing, and year-round outdoor recreation, all within approximately 90 minutes from Toronto. Brandnew updates with Kitchen, Washroom, Floor, New painting (2026/8), updated septic system, new Raisers(2026/10) , sumppump (2019),Furnace(2019) making this home move-in ready with great potential. Whether you’re looking for a peaceful retreat, starter home, or weekend escape from the city, this property offers incredible value in one of Ontario’s most desirable lakefront regions.
Property details
Overview
- Property Type
- Detached
- Style
- Bungalow
- For
- For Sale
- Status
- Price Change
- Size
- 700 sqft
Interior
- Bedrooms
- 3
- Bathrooms
- 1
- Kitchens
- 1
- Basement
- Crawl Space
Building & Systems
- Heating
- Forced Air (Propane)
- Cooling
- Central Air
- Exterior
- Vinyl Siding
- Foundation
- Unknown
- Roof
- Shingles
- Water
- Well
- Sewer
- Septic
Lot & Parking
- Lot Size
- 60 x 200 Feet
- Parking
- None garage · 6 total
Financial
- Property Taxes
- $1,635 (2026)
Location
- Neighbourhood
- Rural Ramara
- Cross Street
- Mcrae Park Rd/Hilltop Rd
- Direction Faces
- East
Listing
- MLS® Number
- S13877862
- Days on Market
- 10
- Listed On
- 2026-10-08
- Possession
- 30/60
- Listed By
- MASTER`S TRUST REALTY INC.
Features
Interior
- Other
Pool
- None
- Included
- Fridge, Stove, Elf's, Window Coverings, Brandnew Washer, Dryer
- Rental items
- HWT
Mortgage calculator
Estimated mortgage payment
$2,559 per month
- Principal and interest
- $2,559
- Property tax
- $136
- Condo fees
- $0
- Estimated monthly cost
- $2,695
Your mortgage
- Mortgage amount
- $462,400
- Mortgage insurance
- Not needed
- Interest over 25 years
- $305,378
Cash to close
- Down payment
- $115,600
- Land transfer tax
- $8,035
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $123,635
With less than 20% down, a 30-year amortization is available to first-time buyers and buyers of newly built homes.
Talk to me about financingEstimates only, not a mortgage offer or financial advice. Uses the Canadian fixed-rate convention (interest compounded twice a year), 2026 mortgage insurance premiums and Ontario land transfer tax. Your lender will confirm your actual rate and payment.
Location
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