$999,000
Est. payment $4,423/moCalculate yours
281 Stewart Lake Road, Georgian Bay, ON P0C 1H0
Freeman, Georgian Bay, ON P0C 1H0
- 4 + 1 Beds
- 1 Baths
- 1 Garage
- 1,500 Sq Ft
Listing courtesy of CV Real Estate MLS® X13237684
About this home
Nestled on the tranquil shores of Stewart Lake, this charming four-bedroom cottage/home offers a seamless blend of natural beauty and refined Muskoka living. Thoughtfully designed, the bright open-concept interior is filled with natural light from expansive windows, creating a warm and inviting atmosphere throughout. The kitchen and dining area feature a stunning vaulted ceiling, a spacious centre island, and a walkout to expansive decks overlooking the lake, perfect for entertaining or relaxing in a peaceful setting. The living room showcases serene water views and a propane fireplace, while the Muskoka room provides an ideal space for reading, games, or unwinding after a day on the lake. Each bedroom is designed with comfort in mind, offering a restful retreat for family and guests alike. Outdoors, enjoy a private waterfront with a sandy, walk-in shoreline and a newly built, expansive dock, perfect for swimming, lounging, and enjoying all that lake life has to offer. The flat, usable lot enhances the overall experience and includes a private hot tub and cedar barrel sauna, creating a true lakeside escape. Additional features include a detached garage for convenient storage, along with a charming bunkie and shed, offering flexibility for guests or additional space. Adding to the property’s long-term value, a new 5-bedroom septic system has just been installed, providing increased capacity and future flexibility. The property also offers excellent rental potential, with a pro-forma statement available outlining forecasted income, making this a compelling opportunity for both personal use and investment. Ideally located just minutes from the charming town of Mactier, this exceptional Stewart Lake offering presents a rare opportunity to own a refined Muskoka property with both lifestyle appeal and income upside.
Property details
Overview
- Property Type
- Detached
- Style
- Bungalow
- For
- For Sale
- Status
- New
- Size
- 1,500 sqft
Interior
- Bedrooms
- 4 + 1
- Bathrooms
- 1
- Kitchens
- 1
- Basement
- Crawl Space, Unfinished
Building & Systems
- Heating
- Baseboard (Electric)
- Cooling
- Window Unit(s)
- Exterior
- Vinyl Siding
- Foundation
- Brick
- Roof
- Shingles
- Water
- Other
- Sewer
- Septic
Lot & Parking
- Lot Size
- 145 x 240 Feet
- Parking
- Detached garage · 5.5 total
Financial
- Property Taxes
- $3,769 (2025)
Location
- Neighbourhood
- Freeman
- Cross Street
- High Street & Stewart Lake Rd
- Direction Faces
- East
Listing
- MLS® Number
- X13237684
- Days on Market
- 137
- Listed On
- 2026-06-03
- Possession
- Flexible
- Listed By
- CV Real Estate
Rooms
Features
Interior
- Generator - Full
Property
- Golf
- Waterfront
Pool
- None
- Included
- Fully furnished and turn-key, including hot tub, cedar barrel sauna, outdoor patio furniture, and Generac generator, Muskoka chairs, water toys, kayak, canoe, paddle board, fridge and stove, dishwasher, wine fridge, washer and dryer, heat pump, all light fixtures, all window coverings. *Brand new 5 bedroom septic system with upgraded retaining wall scheduled.
Mortgage calculator
Estimated mortgage payment
$4,423 per month
- Principal and interest
- $4,423
- Property tax
- $314
- Condo fees
- $0
- Estimated monthly cost
- $4,737
Your mortgage
- Mortgage amount
- $799,200
- Mortgage insurance
- Not needed
- Interest over 25 years
- $527,807
Cash to close
- Down payment
- $199,800
- Land transfer tax
- $16,455
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $216,255
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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