$599,000
Est. payment $2,652/moCalculate yours
1082 Cowan Park Road 3, Muskoka Lakes, ON P0B 1M0
Watt, Muskoka Lakes, ON P0B 1M0
- 2 Beds
- 1 Baths
Listing courtesy of eXp Realty MLS® X13769168
About this home
What a view! Enjoy full-day sunshine and a coveted south-east exposure from this charming 3-season waterfront cottage on beautiful Three Mile Lake in Utterson, set on approximately acre with 110 feet of frontage and offering classic Muskoka lakefront living in a peaceful, natural setting. This inviting property delivers the true cottage experience with excellent swimming right off the dock or sandy shore, boating and paddling across the lake, and outstanding fishing opportunities for bass and walleye, all from your own shoreline. The cottage features 2 bedrooms plus a 1 bathroom layout, along with additional sleeping accommodations in both an interior bunk-nook and a separate shed bunkie, making it ideal for hosting extended family and friends. Recent upgrades provide added comfort and value, including a brand-new dock system, upgraded electrical panel, and an on-demand hot water tank, allowing for easier extended stays throughout the season. Outdoor living is fully embraced here with a spacious waterfront deck overlooking the lake, a firepit area perfect for evening gatherings, and a floating dock system designed for swimming, lounging, and enjoying long summer days. A rare bonus is ownership of land on both sides of Cowan Park Road, offering added flexibility and privacy, while a boundary survey is available for peace of mind. With quick closing available, this property is ready for immediate enjoyment this season. Three Mile Lake is known for its clean water, quiet cottage atmosphere, and scenic, lightly developed shoreline, providing a more relaxed Muskoka experience compared to larger, busier lakes while still offering great boating and exploration. Conveniently located within easy reach of Port Carling, Bracebridge, Rosseau, and Huntsville, this property offers the perfect balance of privacy, accessibility, and authentic Muskoka cottage lifestyle.
Property details
Overview
- Property Type
- Detached
- Style
- Bungalow
- For
- For Sale
- Status
- New
- Size
- < 700 sqft
Interior
- Bedrooms
- 2
- Bathrooms
- 1
- Kitchens
- 1
- Basement
- None
Building & Systems
- Heating
- Other (Other)
- Cooling
- None
- Exterior
- Wood
- Foundation
- Piers
- Roof
- Asphalt Rolled
- Water
- Other
- Sewer
- Septic
Lot & Parking
- Lot Size
- 110 x 306 Feet
- Parking
- None garage · 3 total
- Zoning
- WR4, RU1
Financial
- Property Taxes
- $1,889 (2025)
Location
- Neighbourhood
- Watt
- Cross Street
- Cowan Park Road/Windermere Road
- Direction Faces
- South
Listing
- MLS® Number
- X13769168
- Days on Market
- 38
- Listed On
- 2026-09-10
- Possession
- 21 Days
- Listed By
- eXp Realty
Rooms
Features
Interior
- On Demand Water Heater
- Water Heater Owned
Property
- Lake/Pond
- Waterfront
- Wooded/Treed
- Marina
- Lake Access
- Beach
Pool
- None
Mortgage calculator
Estimated mortgage payment
$2,652 per month
- Principal and interest
- $2,652
- Property tax
- $157
- Condo fees
- $0
- Estimated monthly cost
- $2,810
Your mortgage
- Mortgage amount
- $479,200
- Mortgage insurance
- Not needed
- Interest over 25 years
- $316,473
Cash to close
- Down payment
- $119,800
- Land transfer tax
- $8,455
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $128,255
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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