$999,900
Est. payment $4,427/moCalculate yours
1027 Scott Lane, Lake of Bays, ON P1H 2J6
Finlayson, Lake of Bays, ON P1H 2J6
- 3 Beds
- 2 Baths
- 1 Garage
- 1,500 Sq Ft
Listing courtesy of Sotheby's International Realty Canada MLS® X13749530
About this home
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.
Property details
Overview
- Property Type
- Detached
- Style
- Bungalow
- For
- For Sale
- Status
- New
- Approximate Age
- 51-99
- Size
- 1,500 sqft
Interior
- Bedrooms
- 3
- Bathrooms
- 2
- Kitchens
- 1
- Basement
- Crawl Space, Partial Basement
Building & Systems
- Heating
- Forced Air (Propane)
- Cooling
- None
- Exterior
- Log
- Foundation
- Unknown
- Roof
- Asphalt Shingle
- Water
- Other
- Sewer
- Septic
Lot & Parking
- Lot Size
- 219.42 x 200 Feet
- Parking
- Attached garage · 5 total
Financial
- Property Taxes
- $3,661 (2025)
Location
- Neighbourhood
- Finlayson
- Cross Street
- Limberlost x Scott Lane
- Direction Faces
- West
Listing
- MLS® Number
- X13749530
- Days on Market
- 44
- Listed On
- 2026-09-04
- Listed By
- Sotheby's International Realty Canada
Rooms
Features
Interior
- Primary Bedroom - Main Floor
- Carpet Free
- Propane Tank
- Storage
- Water Heater Owned
- Other
- Workbench
- Water Treatment
- Water Heater
Property
- Lake/Pond
- Waterfront
- Wooded/Treed
- Lake Access
- Clear View
Pool
- None
- Included
- Fridge, Stove, Microwave, Dishwasher, Washer, Dryer
- Excluded
- Sellers Personal Items - Some furniture could be negotiated.
- Rental items
- Propane Tank
Mortgage calculator
Estimated mortgage payment
$4,427 per month
- Principal and interest
- $4,427
- Property tax
- $305
- Condo fees
- $0
- Estimated monthly cost
- $4,732
Your mortgage
- Mortgage amount
- $799,920
- Mortgage insurance
- Not needed
- Interest over 25 years
- $528,282
Cash to close
- Down payment
- $199,980
- Land transfer tax
- $16,473
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $216,453
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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