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310-3100 Steeles Ave W, Vaughan, ON, L4K 3R1
905-553-8500info@summitly.ca

©2026 Summitly. All rights reserved. Coldwell Banker Summit Realty, Brokerage — RECO Registration #6018570.

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Listing data is provided by the Toronto Regional Real Estate Board (TRREB) via PropTx and is deemed reliable but not guaranteed. Coldwell Banker Summit Realty, Brokerage — an independently owned and operated Coldwell Banker franchise.

REALTOR® Disclosure▾

For listings in Canada, 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 trademarks MLS®, Multiple Listing Service® and the associated logos are owned by CREA and identify the quality of services provided by real estate professionals who are members of CREA. Used under license.

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    For sale On market 9 days

    1145 Pine Needle Point Road

    ·Muskoka Lakes, ON··

    • 4 beds
    Muskoka Lakes real estate›X13572812
    • Overview
    • History
    • Details
    • Location
    • Mortgage
    • Investment
    • Comparables
    • FAQ
    Open house & tour

    3 upcoming open houses

    Drop in during an open house, or tour online — no appointment needed.

    • Open house
      Date TBD
      Time TBD
    • Open house
      Date TBD
      Time TBD
    • Open house
      Date TBD
      Time TBD
    Overview

    What this listing tells us

    Property description

    Experience the timeless appeal of Lake Muskoka. Tucked among the pines on a beautifully level lot, this inviting four-season waterfront retreat offers the quintessential Muskoka lifestyle with the comfort and space to enjoy it year-round. Thoughtfully designed for gathering family and friends, the cottage combines warm architectural character with exceptional outdoor living.The open-concept principal living area features soaring vaulted ceilings with exposed beam accents, hardwood flooring, and a striking river rock fireplace with wood-burning insert-the natural focal point for evenings after a day on the lake. The kitchen offers oak cabinetry, ample workspace and overlooks the dining and living areas, making entertaining effortless.The main floor primary suite provides privacy with its own ensuite bathroom and walkout to the covered porch, while two additional bedrooms and a full bath on the second level comfortably accommodate family and guests. The fully finished walkout lower level expands the living space with a generous family room featuring an electric fireplace, wet bar, guest bedroom with private 3-piece ensuite, laundry area and direct access to the waterfront. Outside, multiple outdoor living spaces invite you to enjoy every season. Relax in the screened covered porch, entertain on the upper deck or unwind on the granite patio before following the stone steps to the expansive level waterfront. The clean rock shelf shoreline, updated dock and southeast exposure create an ideal setting for swimming, boating and soaking up the morning sun. Whether you're looking for peaceful mornings overlooking the lake, memorable family weekends or a property to enjoy for generations, this classic Muskoka retreat offers the setting, comfort and waterfront lifestyle buyers dream about. Note: Stairs slippery if viewing in the rain. Please use caution.

    Cleaned for readability — original MLS® text was lightly de-abbreviated and decapitalized.

    History

    Listing, price, and tax history

    Every previous listing of this property, every list-price change, and 5 years of estimated annual property tax — switch tabs to drill in.

    DateEventStatusPriceChangeMLS®View
    Jul 16, 2026ListedCurrentFor sale$2,495,000 —X13572812This page
    Sourced from MLS® · includes all previous listings of this property · tap View to open the archived listing in a new tab
    Property details

    Inside this property

    Systems, finishes, room dimensions, and building information — pulled from the full MLS® feed.

    Features & systems

    Heating, cooling, parking, exterior, lot, possession, and more.

    • Systems

      4
      Heating
      Forced Air
      Air conditioning
      Central Air
      Water source
      Other
      Sewer
    Location & lifestyle

    Getting around, schools & the block

    Walkability and transit, the nearest schools, an interactive map of the exact spot, and what's nearby.

    📍 1145 Pine Needle Point Road
    Financials

    The money — monthly cost, mortgage & return

    Everything financial in one place: what you'd pay each month, a live mortgage calculator at the asking price, and what it could return as a rental.

    Cost of ownership

    A monthly snapshot at typical assumptions — personalize the mortgage just below.

    Est. monthly mortgage
    $12,257
    20% down · 25y · 5.50% — adjust below ↓
    Est. monthly property tax
    $584
    0.28% mill rate · ON
    The market

    How this home sits in the Muskoka Lakes market

    Live neighbourhood stats, the closed sales you'd negotiate against, and comparable active listings.

    The Muskoka Lakes market right now

    Average sold price, days on market, and closed-transaction count for Muskoka Lakes — sourced from MLS®.

    • Avg sold price
      $1,902,376
      Last 30 days
    • Median sold price
      $850,000
      Middle of the market
    • Days on market
      40 d
      Avg from list to close
    • Closed last 30d
      90
      MLS® transactions
    Full Muskoka Lakes market report
    Buy with Coldwell Banker Summit Realty

    We'll get you into 1145 Pine Needle Point Road — the seller pays our commission

    On every MLS® listing in Canada, the seller's brokerage pays a cooperating commission to whoever brings the buyer. Buyer representation is free to you.

    Free buyer representation · Coldwell Banker® affiliate

    $0 to you. The seller pays our fee.

    On every MLS® listing in Canada, the seller's brokerage advertises a cooperating commission for the buyer's agent. A Coldwell Banker Summit Realty agent represents you — you owe us nothing.

    Call now
    Due diligence

    Property flags & disclosures

    An automated scan of public records and news for anything a buyer should know about this specific address — liens, outstanding work orders, or stigma-related history. We never invent flags.

    Nothing concerning surfaced — all clear.

    We scanned public records and news for liens, outstanding work orders, and stigma-related history (e.g. a former grow-op or fire) at 1145 Pine Needle Point Road and found nothing flagged. We re-check automatically as new records publish.

    Frequently asked

    Common questions about this property

    Tap a question to expand the answer. Short, direct answers tuned for AI search and voice assistants.

    • How much is 1145 Pine Needle Point Road listed for?

      1145 Pine Needle Point Road is listed at $2,495,000 on the MLS® (listing X13572812). The price refreshes on Summitly within minutes of any MLS® change.

    • How many bedrooms, bathrooms, and square feet does 1145 Pine Needle Point Road have?

    Coldwell Banker Summit Realty is a RECO-licensed Ontario real estate brokerage, independently owned and operated. Mortgage financing is arranged through Mortgage Squad Advisors. Summitly is the technology platform that powers this site. Listing data is sourced from MLS® and is provided for informational purposes only — not guaranteed accurate by the MLS® or its members. 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.

  1. 4 baths
  2. 2500-3000 sqft
  3. Detached
  4. < .50 ac lot
  5. Asking
    $2,495,000
    $0 / sqft · MLS® X13572812
    Chat Zara
  6. Zara AI Estimate
    Live · refreshes nightly
    Estimated value
    $2,244,804
    $2,065,219Confidence range$2,424,388
    Asking vs estimate
    ↑above
    +$250,196
    (+11.1%)
    Asking is above estimate
    Run the affordability numbers

    Based on the city's average sold price, adjusted for 4 bedrooms (no sqft on file).

    Market analytics

    Homes like this in Muskoka Lakes sell in about 40 days — this one has been listed 9 days.

    Avg sold price
    $1,902,376
    Median sold
    $850,000
    Avg days on market
    40
    Recently sold
    90
    See comparable sales
    Walk through online
    Listing agent has provided a interactive tour
    Open virtual tour
    AI highlights by Zara
    • Tucked among the pines on a beautifully level lot, this inviting four-season waterfront retreat offers the quintessential Muskoka lifestyle with the comfort and space to enjoy it year-round.
    • Outside, multiple outdoor living spaces invite you to enjoy every season.
    • Relax in the screened covered porch, entertain on the upper deck or unwind on the granite patio before following the stone steps to the expansive level waterfront.
    • Note: Stairs slippery if viewing in the rain.
    Ask Zara a follow-up
    Septic
  7. Parking & garage

    3
    Garage
    None
    Parking spaces
    4
    Driveway
    4
  8. Interior

    4
    Basement
    Finished with Walk-Out
    Family room
    Y
    Kitchens
    1
    Total rooms
    13
  9. Exterior & construction

    6
    Exterior
    Wood
    Roof
    Asphalt Shingle
    Foundation
    Concrete Block
    View
    Lake
    Waterfront
    Y
    Pool
    None
  10. Lot & land

    1
    Zoning
    WR6
  11. Listing & possession

    4
    Possession
    2026-10-13T00:00:00.000-00:00
    Occupancy
    After Thanksgiving Preferred
    Property style
    1 1/2 Storey
    Property class
    Detached
  12. Room-by-room · 14 rooms

    Every room with its dimensions, level, and notable features.

    Room dimensions

    Main level

    7 rooms
    • Bathroom
      4 Pc Ensuite
      7.4 × 12.6 ft
    • Dining Room
      11.9 × 12.6 ft
    • Foyer
      4.8 × 12.6 ft
    • Primary Bedroom
      12.9 × 19.9 ft
    • Kitchen
      9.8 × 12.6 ft
    • Living Room
      19.7 × 11.2 ft
    • Sunroom
      15.6 × 7.4 ft

    Second level

    3 rooms
    • Bathroom
      4 Pc Bath
      8.8 × 6.1 ft
    • Bedroom 2
      12.9 × 11.2 ft
    • Bedroom
      10.4 × 10.9 ft

    Lower level

    4 rooms
    • Family Room
      29.7 × 23.6 ft
    • Utility Room
      13.9 × 6.4 ft
    • Bathroom
      3 Pc Bath
      10.3 × 6.1 ft
    • Bedroom
      17.3 × 9.7 ft
    Combined estimate
    $12,841
    Mortgage + tax · before condo / insurance

    Mortgage & affordability

    Today's best Canadian rates from Mortgage Squad, then a live calculator — adjust down payment, amortization, and rate, and email yourself the report.

    Today's rates · Powered by Mortgage Squad
    350+ lender access · Best rate matched in 2 min
    Lock my rate
    • Best
      5-yr Fixed · Insured
      4.09%
      0.40% below banks
    • 5-yr Fixed · Conventional
      4.34%
      APR · OAC
    • 3-yr Fixed · Conventional
      4.49%
      APR · OAC
    • 5-yr Variable · Variable
      4.85%
      APR · OAC
    Rates indicative · Updated today · OAC, subject to underwritingSee all Mortgage Squad rates →
    Affordability calculator
    Estimated monthly payment
    $12,257
    /mo
    based on the purchase price of $2,495,000
    $499,000 cash
    $1,996,000 financed
    $1,681,156 total interest
    Monthly payment$12,257/ month
    Principal54%$1,996,000
    Interest46%$1,681,156

    20% down · 25-yr amortization · 5.50% rate. Principal & interest only — taxes, condo fees, and insurance not included.

    Email this mortgage report to yourself

    Save the full affordability breakdown — down payment, monthly, interest paid, and today's Mortgage Squad rate — in your inbox. Create a free Summitly account to save it, get rate-drop alerts, and build a shortlist.

    Create account & email meor send as guest
    Get pre-approved in minutes

    Know exactly what you can afford — a no-obligation pre-approval from Mortgage Squad.

    Get pre-approved

    Rental income & return

    What this home could rent for and the return at the asking price — an AI estimate against real property tax and condo fees.

    Est. monthly rent
    low–high
    Gross yield
    rent × 12 ÷ price
    Cap rate (est.)
    net of tax + fees

    AI estimate for discussion only — not an appraisal or investment advice. Yield and cap rate are derived from the estimated rent versus the asking price and real property tax.

    Comparable detacheds that just sold in Muskoka Lakes

    Swipe the closed sales, then use the table for a side-by-side $/sqft comparison against this home.

    • 23 Beaumont Bay Road
      Sold
      Sign in for price
      23 Beaumont Bay Road
      Detached
    • 44 Estate Drive
      Sold
      Sign in for price
      44 Estate Drive
      Detached
    • 1160 Whiteside Road
      Sold
      Sign in for price
      1160 Whiteside Road
      Detached
    • 1111 Hemlock Point Side Road
      Sold
      Sign in for price
      1111 Hemlock Point Side Road
      Detached
    • 53 TODHOLM Drive
      Sold
      Sign in for price
      53 TODHOLM Drive
      Detached
    • 3461 Hwy 141 Highway
      Sold
      Sign in for price
      3461 Hwy 141 Highway
      Detached
    AddressBd / BaSqftSold$/sqft% of askSold
    1145 Pine Needle Point RoadThis home4 / 425,003,000$2,495,000ask———
    23 Beaumont Bay Road3 / 1700—
    44 Estate Drive4 / 32,500—
    Sold prices are hidden under TRREB rules. Sign in to reveal them.

    More detacheds in Muskoka Lakes

    Active listings within ±20% of this asking price.

    • 1181 Walkers Point Road
      $2,599,000
      1181 Walkers Point Road
      Detached 4 1
    • 1155 Stephen Road
      $2,595,000
      1155 Stephen Road
      Detached 3 1
    • 1 Merlin (Island M91) Island
      $1,999,000
      1 Merlin (Island M91) Island
      Detached 4 3
    • 1047 Brandy Crest Road
      $1,998,999
      1047 Brandy Crest Road
      Detached 3 3
    • 41 Estate Drive
      $2,399,000
      41 Estate Drive
      Detached 3 4
    • 8091 Lake Joseph Road
      $2,350,000
      8091 Lake Joseph Road
      Detached 4 3
    AI-first listing data

    Zara's valuation, full price history, room insights, and live MLS® refresh — all in one feed. No more comparing 4 sites.

  13. One team, no handoffs

    Your realtor, mortgage broker, and offer-night closing team work side-by-side. One conversation, not three.

  14. Showings on YOUR schedule

    Same-day showings for shortlisted homes, evenings + weekends. Your Coldwell Banker Summit Realty agent coordinates with the listing brokerage.

  15. Mortgage that closes

    Pre-approval, rate hold, and 350+ lender access via Mortgage Squad Advisors — no juggling lender chats yourself.

  16. Public listing courtesy of Sotheby's International Realty Canada · displayed on Summitly per MLS® data-share rules

    1145 Pine Needle Point Road is a 4-bedroom, 4-bath, 2500-3000 sqft. Full room dimensions and floor breakdown are in the 'Rooms' section of this page.

  17. When was 1145 Pine Needle Point Road built?

    The year built for 1145 Pine Needle Point Road isn't published in this MLS® feed — ask a Summitly realtor for the construction year from the seller's disclosure.

  18. What is the property tax for 1145 Pine Needle Point Road?

    The 'Property tax' tab in the History section shows the most recent annual tax for 1145 Pine Needle Point Road plus a 5-year breakdown with YoY % change. Monthly equivalent is shown alongside.

  19. How much would the monthly mortgage be on 1145 Pine Needle Point Road?

    The affordability calculator on this page shows an estimated monthly mortgage for $2,495,000 at 20% down, 25-year amortization, and 5.5% rate. Adjust the sliders to model your own down payment and rate.

  20. Has 1145 Pine Needle Point Road been sold before?

    The 'Listing history' tab above lists every previous MLS® listing of 1145 Pine Needle Point Road with its list date, sold price (when sold), and final status. Each row is colour-coded with price-change arrows.

  21. What neighbourhood is 1145 Pine Needle Point Road in?

    1145 Pine Needle Point Road is in Wood (Muskoka Lakes), Muskoka Lakes. The 'Neighbourhood' section below links to the live Muskoka Lakes real estate hub with average sold price, days on market, and current inventory.

  22. Is Muskoka Lakes a good place to live?

    Muskoka Lakes is one of ON's actively-tracked Summitly markets. The full Muskoka Lakes real estate hub covers live average sold price, days on market, and neighbourhood-level inventory.

  23. 1160 Whiteside Road
    4 / 3
    2,000
    —
    1111 Hemlock Point Side Road4 / 43,500—
    53 TODHOLM Drive5 / 32,500—
    3461 Hwy 141 Highway4 / 21,100—