Gurvinder Nokwal REALTOR®
For Sale Detached 48 days on market

$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

Room Level Dimensions
Living Room Basement 31′ 3″ × 16′ 1″
Bedroom 2 Main 15′ 4″ × 17′ 6″
Bedroom 4 Basement 19′ 0″ × 19′ 6″
Bedroom 3 Main 13′ 1″ × 13′ 5″
Foyer Main 11′ 5″ × 4′ 9″
Dining Room Main 16′ 10″ × 18′ 9″
Game Room Basement 33′ 4″ × 31′ 3″
Bedroom 5 Basement 12′ 3″ × 15′ 9″
Laundry Main 5′ 9″ × 17′ 6″
Recreation Basement 32′ 7″ × 22′ 3″
Kitchen Main 16′ 3″ × 15′ 0″
Other Main 6′ 6″ × 12′ 4″
Primary Bedroom Main 20′ 1″ × 34′ 5″
Living Room Main 27′ 6″ × 31′ 0″
Breakfast Main 10′ 8″ × 7′ 5″
Kitchen Basement 31′ 3″ × 15′ 2″
Family Room Main 23′ 0″ × 22′ 10″
Office Main 15′ 6″ × 12′ 0″

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

Minimum for this price: $319,800 (20%)

Amortization, years

Estimated mortgage payment

$7,080 per month

Principal and interest
$7,080
Property tax
$980
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
Total, before legal fees
$348,255
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

3686 Portage Bay Road, Ramara, ON L0K 2B0 Rural Ramara, Ramara, ON L0K 2B0
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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).

$1,599,000 3686 Portage Bay Road, Ramara, ON L0K 2B0
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