$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
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
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
Estimated mortgage payment
$3,981 per month
- Principal and interest
- $3,981
- Property tax
- $210
- Condo fees
- $0
- 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
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $194,255
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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