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

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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 27 days

    228 Stewart Lake Road

    Freeman·Georgian Bay, ON·P0C 1H0·Near Muskoka District Rd 11 & Stewart Lake Rd

    • 5 beds
    Georgian Bay real estate›X12442859
    • 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

    All Day Sun on Stewart Lake! Welcome to your year-round Muskoka retreat, built in 2022 and thoughtfully designed for modern comfort and relaxed cottage living. This stunning 5-bedroom, 3-bathroom home offers an ideal layout for families and guests, with 3 bedrooms on the main floor (including a private ensuite) and 2 additional bedrooms in the walkout lower level. Soaring vaulted ceilings in the living room, a cozy propane fireplace, and an open-concept design create a bright and inviting gathering space. Step outside to the expansive deck overlooking the lake, perfect for morning coffee or evening entertaining. On the lower level, unwind in the screened-in Muskoka room featuring a private hot tub, nestled in nature.The gently sloping lot leads to a hard-packed sandy beach entry - ideal for children - or take the plunge off the end of the dock into deeper waters. Enjoy the comfort of forced air propane heating, air conditioning, and year-round municipal services including garbage and recycling pickup. Located just minutes from Mactier for all your cottage essentials, with easy highway access for a quick commute to the GTA.This mostly furnished, turn-key property is priced to move - don't miss your chance to own a slice of Muskoka paradise!

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

    AI highlights by Zara
    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
    Oct 3, 2025ListedCurrentFor sale$1,379,900 —X12442859This 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.

    📍 228 Stewart Lake Road
    What's nearby

    Points of interest classified by the MLS® feed.

    • Beach
    • Golf
    • Lake Access
    • Lake/Pond
    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
    $6,779
    20% down · 25y · 5.50% — adjust below ↓
    Est. monthly property tax
    $367
    0.32% mill rate · ON
    The market

    How this home sits in the Georgian Bay market

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

    The Georgian Bay market right now

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

    • Avg sold price
      $1,030,555
      Last 30 days
    • Median sold price
      $787,450
      Middle of the market
    • Days on market
      50 d
      Avg from list to close
    • Closed last 30d
      30
      MLS® transactions
    Full Georgian Bay market report
    Buy with Coldwell Banker Summit Realty

    We'll get you into 228 Stewart Lake 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 228 Stewart Lake 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 228 Stewart Lake Road listed for?

      228 Stewart Lake Road is listed at $1,379,900 on the MLS® (listing X12442859). The price refreshes on Summitly within minutes of any MLS® change.

    • How many bedrooms, bathrooms, and square feet does 228 Stewart Lake 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. 3 baths
  2. 2500-3000 sqft
  3. Detached
  4. Built 0-5
  5. < .50 ac lot
  6. Asking
    $1,379,900
    $0 / sqft · MLS® X12442859
    Chat Zara
  7. Zara AI Estimate
    Live · refreshes nightly
    Estimated value
    $1,401,555
    $1,289,430Confidence range$1,513,679
    Asking vs estimate
    ≈in-line
    −$21,655
    (-1.5%)
    Asking is in line
    Run the affordability numbers

    Based on the city's average sold price, adjusted for 5 bedrooms (no sqft on file).

    Market analytics

    Homes like this in Georgian Bay sell in about 50 days — this one has been listed 27 days.

    Avg sold price
    $1,030,555
    Median sold
    $787,450
    Avg days on market
    50
    Recently sold
    30
    See comparable sales
  8. All Day Sun on Stewart Lake!
  9. This stunning 5-bedroom, 3-bathroom home offers an ideal layout for families and guests, with 3 bedrooms on the main floor (including a private ensuite) and 2 additional bedrooms in the walkout lower level.
  10. Soaring vaulted ceilings in the living room, a cozy propane fireplace, and an open-concept design create a bright and inviting gathering space.
  11. Step outside to the expansive deck overlooking the lake, perfect for morning coffee or evening entertaining.
  12. Ask Zara a follow-up
    Septic
  13. Parking & garage

    3
    Garage
    None
    Parking spaces
    8
    Driveway
    Private
  14. Interior

    6
    Basement
    Finished with Walk-Out
    Family room
    Y
    Kitchens
    1
    Total rooms
    7
    Laundry level
    Main Level
    Elevator
    N
  15. Exterior & construction

    5
    Exterior
    Vinyl Siding
    Roof
    Asphalt Shingle
    Foundation
    Poured Concrete
    Waterfront
    Y
    Pool
    None
  16. Lot & land

    1
    Year built
    0-5
  17. Listing & possession

    3
    Possession
    2025-10-03T00:00:00.000-00:00
    Property style
    Bungalow
    Property class
    Detached
  18. Room-by-room · 9 rooms

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

    Room dimensions

    Main level

    7 rooms
    • Bedroom 3
      10.2 × 9.8 ft
    • Bathroom
      4 Pc Bath
      6.6 × 9.8 ft
    • Living Room
      17.1 × 14.1 ft
    • Bedroom 2
      11.2 × 9.8 ft
    • Kitchen
      11.5 × 21.0 ft
    • Primary Bedroom
      11.2 × 14.1 ft
    • Bathroom
      3 Pc Ensuite
      6.6 × 9.8 ft

    Lower level

    2 rooms
    • Bedroom 4
      11.5 × 9.8 ft
    • Bedroom 5
      13.8 × 9.8 ft
  19. School
  20. Waterfront
  21. Combined estimate
    $7,146
    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
    $6,779
    /mo
    based on the purchase price of $1,379,900
    $275,980 cash
    $1,103,920 financed
    $929,790 total interest
    Monthly payment$6,779/ month
    Principal54%$1,103,920
    Interest46%$929,790

    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 Georgian Bay

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

    • 385 Crooked Bay Road
      Sold
      Sign in for price
      385 Crooked Bay Road
      Detached
    • 748 Whites Falls Road
      Sold
      Sign in for price
      748 Whites Falls Road
      Detached
    • 2133 Harrison Trail
      Sold
      Sign in for price
      2133 Harrison Trail
      Detached
    • 106 Musky Bay Road
      Sold
      Sign in for price
      106 Musky Bay Road
      Detached
    • 135 Marina Village Drive
      Sold
      Sign in for price
      135 Marina Village Drive
      Detached
    • 1682 Island 630
      Sold
      Sign in for price
      1682 Island 630
      Detached
    AddressBd / BaSqftSold$/sqft% of askSold
    228 Stewart Lake RoadThis home5 / 325,003,000$1,379,900ask———
    385 Crooked Bay Road4 / 1700—
    748 Whites Falls Road5 / 32,500—
    Sold prices are hidden under TRREB rules. Sign in to reveal them.

    More detacheds in Georgian Bay

    Active listings within ±20% of this asking price.

    • 87 Dayeo Drive
      $1,299,000
      87 Dayeo Drive
      Detached 5 1
    • 100 ISLAND 630 GEORGIAN BAY
      $1,495,000
      100 ISLAND 630 GEORGIAN BAY
      Detached 4 3
    • 112 Heath Valley Trail
      $1,298,000
      112 Heath Valley Trail
      Detached 4 3
    • 180 Lake Road
      $1,598,000
      180 Lake Road
      Detached 4 2
    • 103 WHITES FALLS Road
      $1,599,000
      103 WHITES FALLS Road
      Detached 4 3
    • 3854 Is 630 Georgian Bay
      $1,600,000
      3854 Is 630 Georgian Bay
      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.

  22. One team, no handoffs

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

  23. Showings on YOUR schedule

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

  24. Mortgage that closes

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

  25. Public listing courtesy of Chestnut Park Real Estate · displayed on Summitly per MLS® data-share rules

    228 Stewart Lake Road is a 5-bedroom, 3-bath, 2500-3000 sqft. Full room dimensions and floor breakdown are in the 'Rooms' section of this page.

  26. When was 228 Stewart Lake Road built?

    228 Stewart Lake Road was built in 0-5. Construction style, foundation, roof material, and EnerGuide rating (when published) are in the 'Features' section above.

  27. What is the property tax for 228 Stewart Lake Road?

    The 'Property tax' tab in the History section shows the most recent annual tax for 228 Stewart Lake Road plus a 5-year breakdown with YoY % change. Monthly equivalent is shown alongside.

  28. How much would the monthly mortgage be on 228 Stewart Lake Road?

    The affordability calculator on this page shows an estimated monthly mortgage for $1,379,900 at 20% down, 25-year amortization, and 5.5% rate. Adjust the sliders to model your own down payment and rate.

  29. Has 228 Stewart Lake Road been sold before?

    The 'Listing history' tab above lists every previous MLS® listing of 228 Stewart Lake Road with its list date, sold price (when sold), and final status. Each row is colour-coded with price-change arrows.

  30. What neighbourhood is 228 Stewart Lake Road in?

    228 Stewart Lake Road is in Freeman, Georgian Bay. The 'Neighbourhood' section below links to the live Georgian Bay real estate hub with average sold price, days on market, and current inventory.

  31. Is Georgian Bay a good place to live?

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

  32. 2133 Harrison Trail
    5 / 2
    1,500
    —
    106 Musky Bay Road4 / 22,500—
    135 Marina Village Drive4 / 31,500—
    1682 Island 6304 / 11,100—