$1,198,000
↓ $100,000 from $1,298,000
Est. payment $5,304/moCalculate yours
4298 Plum Point Road W, Ramara, ON L3V 0P8
Rural Ramara, Ramara, ON L3V 0P8
- 5 + 1 Beds
- 3 Baths
- 3,000 Sq Ft
Listing courtesy of RE/MAX PRIME PROPERTIES MLS® S13562824
About this home
WELCOME TO YOUR PRIVATE LAKE SIMCOE RETREAT! Set on approx.100 feet of beautifully rebuilt granite-boulder shoreline, this extensively renovated waterfront home offers approximately 3,500 sq. ft. of bright, open-concept living space with breathtaking lake views and exceptional flexibility for family living, entertaining & hosting guests. Expansive windows and sliding patio doors fill the home with natural light, creating a seamless connection to the outdoors. The thoughtfully designed layout features 6 bedrooms, 2 kitchens, and 3 bathrooms. The main level offers a spacious living area, a full kitchen with new stainless steel appliances, an oversized bedroom for two queen beds, and an updated 3-piece bath. Upstairs, the quartz kitchen with new appliances opens to a sun-filled dining area surrounded by windows, a generous living room overlooking the lake, three king-sized bedrooms, and an updated 4-piece bath. The third level features two additional bedrooms, a powder room, and a private balcony with spectacular waterfront views. Step outside to your lakeside paradise featuring an approx. 500 sq.ft. semi-wraparound deck, a sheltered outdoor living area, a 30-foot aluminum dock with cedar decking, a stone fire pit, mature trees, and landscaped grounds extending to the water’s edge. Extensively renovated throughout in 2025/2026, the home features new windows and doors, updated electrical & plumbing, modern trim, pot lights, a refreshed exterior, a paved driveway, new fencing, a retaining wall, granite pavers, and a covered front porch. This waterfront home offers multiple entrances, abundant space, and potential for licensed seasonal rental use. Whether you’re searching for a year-round waterfront home or a four-season family cottage, this exceptional Lake Simcoe retreat is just 1 hour and 20 minutes from Toronto, offering the perfect escape without the long drive & a lifestyle where every sunrise, every sunset, and every season becomes a memory worth sharing.
Property details
Overview
- Property Type
- Detached
- Style
- 2 1/2 Storey
- For
- For Sale
- Status
- Price Change
- Size
- 3,000 sqft
Interior
- Bedrooms
- 5 + 1
- Bathrooms
- 3
- Kitchens
- 2
- Basement
- None
Building & Systems
- Heating
- Forced Air (Propane)
- Cooling
- Central Air
- Exterior
- Aluminum Siding, Brick
- Foundation
- Concrete, Slab
- Roof
- Asphalt Shingle
- Water
- Well
- Sewer
- Septic
Lot & Parking
- Lot Size
- 103.07 x 67 Feet
- Parking
- None garage · 6 total
Financial
- Property Taxes
- $4,159 (2026)
Location
- Neighbourhood
- Rural Ramara
- Cross Street
- HWY12 & PLUM POINT RD
- Direction Faces
- West
Listing
- MLS® Number
- S13562824
- Days on Market
- 96
- Listed On
- 2026-07-14
- Possession
- Flexible
- Listed By
- RE/MAX PRIME PROPERTIES
Rooms
Features
Interior
- Carpet Free
- Guest Accommodations
- Other
- Primary Bedroom - Main Floor
- Propane Tank
- Storage
- Storage Area Lockers
- Water Heater Owned
- Water Purifier
- Water Treatment
Property
- Cul de Sac/Dead End
- Fenced Yard
- Hospital
- Marina
- School
- Waterfront
Pool
- None
- Included
- Fridge, Stove, Dishwasher, Washer, Dryer
- Rental items
- 3x propane tanks
Mortgage calculator
Estimated mortgage payment
$5,304 per month
- Principal and interest
- $5,304
- Property tax
- $347
- Condo fees
- $0
- Estimated monthly cost
- $5,651
Your mortgage
- Mortgage amount
- $958,400
- Mortgage insurance
- Not needed
- Interest over 25 years
- $632,945
Cash to close
- Down payment
- $239,600
- Land transfer tax
- $20,435
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $260,035
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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