$699,000
Est. payment $3,095/moCalculate yours
386 Bear Road, Georgina Islands, ON L0E 1R0
Georgina Island, Georgina Islands, ON L0E 1R0
- 6 Beds
- 4 Baths
- 2 Garage
- 3,000 Sq Ft
Listing courtesy of REMAX YOUR COMMUNITY REALTY MLS® N13690844
About this home
Exceptional Georgina Island waterfront living on Lake Simcoe! Meticulously maintained & move-in ready! This approximately 3200 sq. ft. two storey cottage offers quiet privacy, luxurious living &, with 6 bedrooms, 4 bathrooms & two huge great rooms, space for family & friends. Accessible by either boat or a dedicated car/passenger ferry (see attached ferry schedule), the property has about 120 ft of waterfront & over 70 ft of composite/aluminum dock with a southern exposure, calm, clear & weed-free shallow water entry for easy boating, swimming, paddle-boarding, kayaking & canoeing. Lake views are fabulous, from inside through the floor-to-ceiling walls of windows on both levels and outside from sunny & shady spots on lawns large enough for games of all sorts. There is a lovely perennial rock garden by the large driveway off the well-cared for road as well as a double-door oversize garage with 100 amp electrical service, finished interior walls, room for 2 vehicles, lots of workshop space and a bonus finished loft above with a foosball table for more cottage fun. The cottage itself has 200 amp service with a whole-home surge protector & a 22kw Generac generator with automatic transfer which covers everything. For comfort, there is forced-air propane heating & central a/c & a HRV for always fresh indoor air. Some other top features: -excellent water treatment system with filtration & UV disinfection -LED potlights on main & upper level/ wood, slate & stone floors -vaulted ceilings on upper level -kitchen with stainless appliances & 2 walk in pantries -central vac with kitchen toe-kick -a dedicated propane line for the included Napoleon bbq on upper deck -Smart thermostat for remote control -Denon multi-speaker sound system -dedicated finished laundry room with laundry sink -new roofs (house & garage) 2023 -new hot water tank (2024) & new water softener (2025). Current land lease until 2056 with irrevocable option to renew until 2105!
Property details
Overview
- Property Type
- Detached
- Style
- 2-Storey
- For
- For Sale
- Status
- New
- Approximate Age
- 16-30
- Size
- 3,000 sqft
Interior
- Bedrooms
- 6
- Bathrooms
- 4
- Kitchens
- 1
- Basement
- None
Building & Systems
- Heating
- Forced Air (Propane)
- Cooling
- Central Air
- Exterior
- Concrete, Other
- Foundation
- Concrete, Slab
- Roof
- Asphalt Shingle
- Water
- Well
- Sewer
- Septic
Lot & Parking
- Lot Size
- 123 x 195 Feet
- Parking
- Detached garage · 8 total
Financial
- Property Taxes
- $5,324 (2026)
Location
- Neighbourhood
- Georgina Island
- Cross Street
- Chief Joseph Snake Rd & Bear Rd
- Direction Faces
- South
Listing
- MLS® Number
- N13690844
- Days on Market
- 60
- Listed On
- 2026-08-19
- Possession
- TBD
- Listed By
- REMAX YOUR COMMUNITY REALTY
Rooms
Features
Interior
- Carpet Free
- Central Vacuum
- Primary Bedroom - Main Floor
- Propane Tank
- Water Heater Owned
- Water Softener
- Water Treatment
- ERV/HRV
- Generator - Full
- Water Purifier
Property
- Beach
- Clear View
- Lake Access
- Lake/Pond
- Marina
- Waterfront
Pool
- None
- Included
- All existing appliances - Fridge, Stove, Dishwasher, 2nd Fridge and Freezer, All Existing Light Fixtures and Window Coverings, All Furnishings (Some exceptions to be provided by Seller), Existing Dock over 70ft.
- Excluded
- Personal Belongings, Other Items Seller Will Detail
- Rental items
- Propane Tank
Mortgage calculator
Estimated mortgage payment
$3,095 per month
- Principal and interest
- $3,095
- Property tax
- $444
- Condo fees
- $0
- Estimated monthly cost
- $3,539
Your mortgage
- Mortgage amount
- $559,200
- Mortgage insurance
- Not needed
- Interest over 25 years
- $369,306
Cash to close
- Down payment
- $139,800
- Land transfer tax
- $10,455
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $150,255
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
This photo could not be loaded.