$949,900
↓ $100,000 from $1,049,900
Est. payment $4,206/moCalculate yours
433 WHITES FALLS Road, Georgian Bay, ON L0K 1S0
Baxter, Georgian Bay, ON L0K 1S0
- 4 Beds
- 2 Baths
- 700 Sq Ft
Listing courtesy of HOMELIFE LANDMARK REALTY INC. MLS® X13591024
About this home
Escape to the tranquility of cottage country with this 4-season waterfront retreat on Six Mile Lake, ideally located in the Muskoka-Georgian Bay corridor and only about 1.5 hrs from the GTA via Hwy 400. Set in a quiet, sheltered bay with calm waters, year-round road access, and frequent wildlife sightings such as swans, this property offers the perfect blend of privacy, comfort, and recreation. This inviting cottage offers approx. 1,680 sq. ft. of finished living space over two levels. The main floor features a bright, lake-facing living room with stunning views, a well-appointed kitchen, dining area, a generous bedroom, and a full bathroom. A spacious screened-in porch extends the living space outdoors-ideal for family meals and relaxing summer evenings. The fully finished lower level includes two additional bedrooms, a full bathroom, and a large rec room with a wood fireplace creating a cozy space for cooler evenings. Walk-out patio doors lead to a lakeside patio for seamless indoor-outdoor living. Outdoor features are exceptional, including a newly built deck (2025) with frameless glass railing (2025), a private dock for swimming and boating, and a screened gazebo at the water’s edge. Additional structures include two newly built storage sheds and a separate bunkie (10’6″ x 11′) with sauna perfect for guests or extra sleeping space. Serviced by a drilled well, septic system (last service in May 2026), and propane forced-air furnace. Recent upgrades include air conditioning (2024) and windows (2016), offering comfort and peace of mind. Enjoy endless recreation-swimming, kayaking, fishing, snowmobiling and motor boating right from your own shoreline.Convenient access to Georgian Bay boating routes and nearby marinas in the Port Severn and Honey Harbour area provides fuel, supplies, and entry to the renowned 30,000 Islands. A rare opportunity to own a true four-season Muskoka retreat in a peaceful waterfront setting. Move-in ready and ideal for year-round enjoyment.
Property details
Overview
- Property Type
- Detached
- Style
- Bungalow
- For
- For Sale
- Status
- Price Change
- Approximate Age
- 31-50
- Size
- 700 sqft
Interior
- Bedrooms
- 4
- Bathrooms
- 2
- Kitchens
- 1
- Total Rooms
- 11
- Basement
- Walk-Out, Finished
Building & Systems
- Heating
- Forced Air (Propane)
- Cooling
- Central Air
- Exterior
- Wood , Vinyl Siding
- Foundation
- Block
- Roof
- Asphalt Shingle
- Water
- Well
- Sewer
- Septic
Lot & Parking
- Lot Size
- 55 x 377 Feet
- Parking
- None garage · 20 total
- Zoning
- Shoreline Res
Financial
- Property Taxes
- $2,965 (2025)
Location
- Neighbourhood
- Baxter
- Cross Street
- Hwy 400 North, off on White Falls Rd exit, (stay right on #34 - White Falls) to #433 ~ Left on Mud Lake Road to cottage.
- Direction Faces
- West
Listing
- MLS® Number
- X13591024
- Days on Market
- 89
- Listed On
- 2026-07-21
- Listed By
- HOMELIFE LANDMARK REALTY INC.
Rooms
Features
Interior
- Upgraded Insulation
- Primary Bedroom - Main Floor
- Propane Tank
- Sauna
- Storage
- Water Heater Owned
Property
- Beach
- Lake Access
- Lake/Pond
- Waterfront
- Clear View
- Marina
Pool
- None
- Included
- All existing furniture, fridge, stove, range hood, microwave, washer, dryer, all existing light fixtures and window coverings. 200 Amp service.
- Excluded
- Personal belongings & pictures and decorations on the walls
Mortgage calculator
Estimated mortgage payment
$4,206 per month
- Principal and interest
- $4,206
- Property tax
- $247
- Condo fees
- $0
- Estimated monthly cost
- $4,453
Your mortgage
- Mortgage amount
- $759,920
- Mortgage insurance
- Not needed
- Interest over 25 years
- $501,866
Cash to close
- Down payment
- $189,980
- Land transfer tax
- $15,473
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $205,453
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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