$1,599,000
Est. payment $7,080/moCalculate yours
3686 Portage Bay Road, Ramara, ON L0K 2B0
Rural Ramara, Ramara, ON L0K 2B0
- 3 + 2 Beds
- 4 Baths
- 2 Garage
- 3,500 Sq Ft
Listing courtesy of RE/MAX HALLMARK PEGGY HILL GROUP REALTY MLS® S13727432
About this home
COVETED PORTAGE BAY WATERFRONT ESTATE WITH 104 FT OF SANDY SHORELINE & 6,700+ SQ FT! Set along over 104 ft of northwest-facing shoreline in coveted Portage Bay, this Lake Couchiching residence pairs expansive open-water views with a sandy beach, boathouse, newer docks (2021) and a spectacular multi-tiered lakeside balcony with glass railings overlooking the water. Over 6,700 finished square feet is thoughtfully arranged around the waterfront setting, with multiple walkouts and lake views featured throughout the home. Hardwood flooring, soaring ceilings, crown moulding, detailed wood trim, wood doors and pot lights add architectural character. The grand living room draws the eye to the lake through floor-to-ceiling windows and a double garden door walkout to the elevated balcony, while the breakfast area opens to the same glass-railed outdoor retreat. Extensive wood cabinetry, a large centre island, pantry storage, tile backsplash and double sink anchor the kitchen, while the connected family room with a wood-burning fireplace offers a natural gathering place after a day on the water. A formal dining room and wet bar with a bar fridge provide an ideal setting for entertaining. The main level features three bedrooms plus an office, including a spacious primary bedroom with a walk-in closet and a 6-piece ensuite with dual vanities, a private water closet with sink, a soaker tub and separate shower, while two additional bedrooms share an ensuite. The finished walkout lower level offers in-law potential with a kitchen, rec room with fireplace, games room, two bedrooms, full bathroom, storage and direct outdoor access. Updated windows (2021), an updated propane furnace, manicured grounds, interlock walkways and driveway, and an attached double-car garage complete this exceptional #HomeToStay. Located just minutes from Casino Rama, marinas, parks, beaches and local amenities, with Orillia only 15 minutes away.
Property details
Overview
- Property Type
- Detached
- Style
- Bungalow
- For
- For Sale
- Status
- New
- Approximate Age
- 31-50
- Size
- 3,500 sqft
Interior
- Bedrooms
- 3 + 2
- Bathrooms
- 4
- Kitchens
- 2
- Basement
- Finished with Walk-Out
Building & Systems
- Heating
- Forced Air (Propane)
- Cooling
- Central Air
- Exterior
- Brick
- Foundation
- Concrete Block
- Roof
- Asphalt Shingle
- Water
- Well
- Sewer
- Septic
Lot & Parking
- Lot Size
- 104.71 x 136 Feet
- Parking
- Attached garage · 4 total
- Zoning
- SR
Financial
- Property Taxes
- $11,760 (2025)
Location
- Neighbourhood
- Rural Ramara
- Cross Street
- RAMA ROAD/PORTAGE BAY ROAD
- Direction Faces
- North
Listing
- MLS® Number
- S13727432
- Days on Market
- 48
- Listed On
- 2026-08-31
- Possession
- Flexible
- Listed By
- RE/MAX HALLMARK PEGGY HILL GROUP REALTY
Rooms
Features
Interior
- Bar Fridge
- In-Law Capability
- Primary Bedroom - Main Floor
- Sewage Pump
- Sump Pump
- Water Heater Owned
- Water Treatment
- Workbench
Property
- Beach
- Lake/Pond
- Marina
- Other
- Waterfront
Pool
- None
- Included
- Fridge, Stove, Dishwasher, Built-In Microwave, Washer, Dryer, Electric Light Fixtures, Bathroom Mirrors, Bar Fridge, Pool Table, Fridge & Stove In Basement, Composite Docks, TV Wall Mount.
- Excluded
- None.
- Rental items
- Propane Tanks.
Mortgage calculator
Estimated mortgage payment
$7,080 per month
- Principal and interest
- $7,080
- Property tax
- $980
- Condo fees
- $0
- Estimated monthly cost
- $8,060
Your mortgage
- Mortgage amount
- $1,279,200
- Mortgage insurance
- Not needed
- Interest over 25 years
- $844,808
Cash to close
- Down payment
- $319,800
- Land transfer tax
- $28,455
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $348,255
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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