Gurvinder Nokwal REALTOR®
For Sale Detached 127 days on market

$899,000 ↓ $100,000 from $999,000

Est. payment $3,981/moCalculate yours

3228 Twelve Mile Bay Road, Georgian Bay, ON P0C 1H0

Freeman, Georgian Bay, ON P0C 1H0

  • 3 Beds
  • 1 Baths
  • 8 Garage
  • 700 Sq Ft
Map

Listing courtesy of Chestnut Park Realty (Southwestern Ontario) Ltd MLS® X13442096

About this home

WATER’S EDGE RETREAT in MUSKOKA on Georgian Bay! Experience waterfront living at its finest in this beautifully renovated cottage on the sheltered shores of Twelve Mile Bay. Offering breathtaking views, sunsets, and endless days on the water, this retreat blends comfort, recreation, and convenience.The cottage features 3 bedrooms, 1 bathroom, and a new bunkie for family and guests, combined sleeping spaces can accommodate 10. Designed to maximize its waterfront setting, the bright open-concept interior is filled with natural light and water views. Sliding glass doors open to a spacious deck, ideal for morning coffee, dining, or relaxing while enjoying the scenery.Enjoy clean, protected waters ideal for swimming, water activities and boating. A new 10′ x 40′ floating dock offers ample space for lounging, docking watercraft, and enjoying cottage life. Explore nearby islands or relax by the shore in this classic Georgian Bay setting.Recent upgrades include a *new bunkie, *new dock, *new septic system, *new roof, and access via a newly paved municipal road. A private driveway ensures easy access, while the generous land area south of the cottage offers future expansion potential. Explore Georgian Bay and the world’s largest freshwater archipelago, this property offers excellent boating, fishing, and recreation in a protected, peaceful setting close to major natural attractions.Whether as a family cottage, or waterfront investment, Water’s Edge Retreat offers lasting memories for years to come.****Features: Drive to Georgian Bay, 3 bedrooms, 1 bathroom, large bunkie, renovated interior, protected waterfront on Twelve Mile Bay, new 10′ x 40′ floating dock, clean swimming water, spacious deck, new septic, new roof, paved municipal road access, private driveway, expansion potential, and quick access to open Georgian Bay.

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
None

Building & Systems

Heating
Baseboard (Electric)
Cooling
Window Unit(s)
Exterior
Wood
Foundation
Piers
Roof
Asphalt Shingle
Water
Other
Sewer
Septic

Lot & Parking

Lot Size
111 x 211.39 Feet
Parking
None garage · 8 total
Zoning
SR-1

Financial

Property Taxes
$2,524 (2025)

Location

Neighbourhood
Freeman
Cross Street
Hwy 400
Direction Faces
South

Listing

MLS® Number
X13442096
Days on Market
127
Listed On
2026-06-13
Possession
Flexible
Listed By
Chestnut Park Realty (Southwestern Ontario) Ltd

Rooms

Room Level Dimensions
Great Room Main 20′ 0″ × 22′ 0″
Bedroom 3 Main 8′ 0″ × 8′ 0″
Bathroom Main 7′ 0″ × 6′ 0″
Bedroom 2 Main 8′ 0″ × 10′ 0″
Kitchen Main 8′ 0″ × 7′ 0″
Bedroom Main 9′ 0″ × 10′ 0″

Features

Interior

  • Carpet Free
  • Separate Hydro Meter
  • Water Heater Owned
  • Water Treatment

Pool

  • None
Included
All
Excluded
All staging materials and personal effects
Rental items
None

Mortgage calculator

Minimum for this price: $64,900 (7.22%)

Amortization, years

Estimated mortgage payment

$3,981 per month

Principal and interest
$3,981
Property tax
$210
Estimated monthly cost
$4,191

Your mortgage

Mortgage amount
$719,200
Mortgage insurance
Not needed
Interest over 25 years
$474,973

Cash to close

Down payment
$179,800
Land transfer tax
$14,455
Total, before legal fees
$194,255
Talk to me about financing

Estimates 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

3228 Twelve Mile Bay Road, Georgian Bay, ON P0C 1H0 Freeman, Georgian Bay, ON P0C 1H0
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Listing data is provided under license and deemed reliable but not guaranteed. MLS®, Multiple Listing Service® and associated logos are trademarks of The Canadian Real Estate Association (CREA).

$899,000 3228 Twelve Mile Bay Road, Georgian Bay, ON P0C 1H0
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