0 Spruce St is a land in Lake of Bays, listed for $219,900.
1A rare double vacant lot in the village of Baysville.
2It's the kind of spot that's getting harder to find: room to build, mature trees for privacy, close to shops, parks, and community events, an easy drive to Huntsville and Highway 11, and about 2.5 hours from Toronto.
3Municipal water and sewer are available, which makes building that much simpler.
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Lots & Land in Lake of Bays
About 0 Spruce Street
A rare double vacant lot in the village of Baysville. It's the kind of spot that's getting harder to find: room to build, mature trees for privacy, close to shops, parks, and community events, an easy drive to Huntsville and Highway 11, and about 2.5 hours from Toronto. Buy now and you've got the winter to do the legwork - plans, permits, all of it - so you're ready to break ground in the spring. Municipal water and sewer are available, which makes building that much simpler. And then there's the Lake of Bays area itself. You're minutes from public access on Lake of Bays, a big, beautiful Muskoka lake made for boating, swimming, fishing, and paddling. The whole township is lake country - charming hamlets like Baysville and Dorset, quiet bays, forests, and trails - with Algonquin Park close by for everything from a day paddle to a backcountry trip. It's a four-season kind of place: summers on the water, fall colours, winter on the trails, and a village that stays alive all year, not just in July. Whether it's a family home, a weekend retreat, or an investment, this is your chance to build in one of Muskoka's most loved communities.
Lake of Bays land priced at $219,900 — book a tour to see if it fits your search.
Inside 0 Spruce St
Every detail from the listing, in one place.
Type
Land
Features & systems
Lot & land
Lot size (sqft)
0
Listing & possession
Property class
Vacant Land
0 Spruce St Price & Sale History
Earlier listings of this property, list-price changes, and the most recent annual property tax on the listing.
Independent mortgage broker · OAC · rates subject to change and underwritingMortgage Squad →
Referral disclosure: Summitly may refer you to Mortgage Squad Advisors, an affiliated mortgage partner. You are free to choose any lender or mortgage professional.
Monthly cost
Enter a rate to see the monthly cost
An estimate, not a quote. Utilities and insurance are extra.
Affordability calculator
Estimated monthly payment
$1,080
/mo
based on the purchase price of $219,900
$43,980 cash
$175,920 financed
$148,171 total interest
Principal54%$175,920
Interest46%$148,171
20% down · 25-yr amortization · 5.50% rate. Principal & interest only — taxes, condo fees, and insurance not included.
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Figures are Summitly estimates for illustration only — not from TRREB or the MLS® feed, and not a mortgage approval, appraisal, or financial advice.
Rental income potential
Est. monthly rent
low–high
Gross yield
rent × 12 ÷ price
Cap rate (est.)
net of tax + fees
Summitly AI estimate for discussion only — not from TRREB or the MLS® feed, and not an appraisal or investment advice. Yield and cap rate are derived from the estimated rent versus the asking price.
For homeowners nearby
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Mortgage financing is arranged through Mortgage Squad Advisors. Summitly is the technology platform that powers this site. Estimated values, AI insights, calculator results, and rental projections shown on this page are generated by Summitly and are not provided by, reviewed by, or sourced from TRREB, the MLS®, or the listing brokerage; they are not appraisals or opinions of value. The trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by the Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. The Coldwell Banker® name and logo are trademarks of Coldwell Banker Real Estate LLC.
Similar homes for sale nearby in Lake of Bays
Other homes for sale in Lake of Bays around $220K.
Average days on market61Homes sold in about 61 days on average.
Sale-to-list ratio93.5%On average, homes sold below asking.
Active listings188Homes for sale here right now.
Median vs prior 90 days−25.3%Compared with Apr 30 – Jul 29, 2026: prices down.
Based on 63 sales from Jul 29 – Oct 27, 2026 (35 in the prior 90 days). Aggregate MLS® figures for closed sales; individual sold prices are shown only to signed-in members.
Questions About 0 Spruce St
How much is 0 Spruce St listed for?
0 Spruce St is listed at $219,900 (MLS® X14119580). Summitly updates the price as soon as the MLS® record changes.
Has the price of 0 Spruce St changed?
No — 0 Spruce St is still listed at its original asking price of $219,900.
How many bedrooms and bathrooms does 0 Spruce St have?
The listing for 0 Spruce St doesn't publish its bedroom and bathroom count. It is a lot in Lake of Bays.
How much would the monthly mortgage be on 0 Spruce St?
About $1,080 a month — principal and interest on $219,900 with 20% down ($43,980), a 25-year amortization and an assumed 5.5% interest rate. The mortgage calculator on this page lets you change the down payment, amortization and rate.
How does 0 Spruce St compare with other homes in Lake of Bays?
Its asking price of $219,900 is about 72% below the median sold price in Lake of Bays over the last 90 days, $775,000, across 63 closed sales on the TRREB MLS®. A city median mixes every type and size of home, so the comparable sales on this page are the closer guide.
Has 0 Spruce St been sold before?
Yes — Summitly has 1 earlier MLS® listing of 0 Spruce St on record. Their prices and dates are shown to signed-in members under TRREB rules: sign in free to see them in the Listing history above.
Where is 0 Spruce St?
0 Spruce St is in Lake of Bays, ON. Schools, transit, parks and shops nearby are under Location & lifestyle on this page.
How long has 0 Spruce St been on the market?
0 Spruce St was listed today (October 27, 2026).
What is the lot size of 0 Spruce St?
The lot is 50 acres, as published in the listing.
What is the land transfer tax on 0 Spruce St?
About $1,924 in Ontario land transfer tax at the asking price of $219,900. First-time buyers can get up to $4,000 back. Legal fees and other closing costs are extra.
How do I book a viewing of 0 Spruce St or make an offer?
Select "Book a viewing" on this page and pick a time. A licensed Coldwell Banker Summit Realty, Brokerage agent confirms it with the listing brokerage. When you're ready, your agent prepares the offer with you and submits it to the listing brokerage.
What is the property tax for 0 Spruce St?
The listing for 0 Spruce St doesn't publish the annual property tax. The property tax calculator linked at the foot of this page gives an estimate for Lake of Bays.
