3228 Twelve Mile Bay Rd, Georgian Bay

Name: 3228 Twelve Mile Bay Road
SKU: X13442096
Price: 899000 CAD
Availability: InStock

3 Bed, 1 Bath Detached Home in Georgian Bay

About 3228 Twelve Mile Bay Road

WATER'S EDGE RETREAT in MUSKOKA on Georgian Bay! Experience waterfront living at its finest in this beautifully renovated cottage on the sheltered shores of Twelve Mile Bay. Offering breathtaking views, sunsets, and endless days on the water, this retreat blends comfort, recreation, and convenience.The cottage features 3 bedrooms, 1 bathroom, and a new bunkie for family and guests, combined sleeping spaces can accommodate 10. Designed to maximize its waterfront setting, the bright open-concept interior is filled with natural light and water views. Sliding glass doors open to a spacious deck, ideal for morning coffee, dining, or relaxing while enjoying the scenery.Enjoy clean, protected waters ideal for swimming, water activities and boating. A new 10' x 40' floating dock offers ample space for lounging, docking watercraft, and enjoying cottage life. Explore nearby islands or relax by the shore in this classic Georgian Bay setting.Recent upgrades include a *new bunkie, *new dock, *new septic system, *new roof, and access via a newly paved municipal road. A private driveway ensures easy access, while the generous land area south of the cottage offers future expansion potential. Explore Georgian Bay and the world's largest freshwater archipelago, this property offers excellent boating, fishing, and recreation in a protected, peaceful setting close to major natural attractions.Whether as a family cottage, or waterfront investment, Water's Edge Retreat offers lasting memories for years to come.****Features: Drive to Georgian Bay, 3 bedrooms, 1 bathroom, large bunkie, renovated interior, protected waterfront on Twelve Mile Bay, new 10' x 40' floating dock, clean swimming water, spacious deck, new septic, new roof, paved municipal road access, private driveway, expansion potential, and quick access to open Georgian Bay.

3 bedrooms, 1 bathroom, about 700 sq ft, works out to roughly $1,284 per square foot. Chat with Zara if you'd like a deeper read on whether this detached fits your budget and timing.

Inside 3228 Twelve Mile Bay Rd

Every detail from the listing, in one place.

Type: Detached
Style: Bungalow
Living space: 700-1100 sq ftas stated on the listing
Parking: 8 spaces
Basement: None

Features & systems

Parking & garage

Parking spaces: 8

Interior

Basement: None

Lot & land

Lot size (sqft): 0

Listing & possession

Property style: Bungalow
Property class: Detached

3228 Twelve Mile Bay Rd Price & Sale History

Earlier listings of this property, list-price changes, and the most recent annual property tax on the listing.

—ReducedPrice reducedThis listingMLS® X13442096−$100,000 (10.0%)$899,000
Jun 13, 2026For saleListedThis listingMLS® X13442096$999,000

Sourced from MLS®. Includes earlier listings of this property on record.

What's it worth?

How 3228 Twelve Mile Bay Rd Compares to the Georgian Bay Market

Zara compares it with recent sales of similar homes nearby. It's a guide, not an appraisal.

Zara’s estimate

Well Above Market· based on 62 recent sales

Value your own home →How accurate are Zara’s estimates?

Summitly estimate, not from TRREB, the MLS® or the listing brokerage. Not an appraisal. How it works

Georgian Bay market, last 90 days

Median sold price: $777,500
Average sold price: $954,506
Average days on market: 74
Homes sold: 44

Closed sales on the TRREB MLS®.

Full Georgian Bay market report

Market pulse · Georgian Bay

Georgian Bay market

Median sold price$777,500Last 90 days
Average days on market74Homes sold in about 74 days on average.
Sale-to-list ratio92.3%On average, homes sold below asking.
Active listings173Homes for sale here right now.
Median vs prior 90 days+3.0%Compared with Apr 24 – Jul 23, 2026: prices up.

Based on 44 sales from Jul 23 – Oct 21, 2026 (28 in the prior 90 days). Aggregate MLS® figures for closed sales; individual sold prices are shown only to signed-in members.

Recently sold nearby in Georgian Bay

Sold prices are shown free to signed-in members, as board rules require.

6 nearby sales vs. this home

Closed sales from MLS®, compared with this home's asking price.

See what these homes actually sold for

Free with a Summitly account. Sign in once and sold prices unlock across the site.

Home	Sold price	$ / sqft	% of asking	Sold
This home3228 Twelve Mile Bay Road 3 bd · 1 ba · 700 sqft	$899,000asking	$1,284	—	—
29 Yellow Birch Road 4 bd · 1 ba · 1,100 sqft
57 Port Severn Road 3 bd · 1 ba · 1,500 sqft
300 Birch Acres Drive 2 bd · 2 ba · 1,500 sqft
2504 ISLAND 404/QUARRY N/A 3 bd · 1 ba · 700 sqft
29 George Street 2 bd · 1 ba · 1,100 sqft
180 Lake Road 4 bd · 2 ba · 2,000 sqft

29 Yellow Birch Road
4 bd · 1 ba · 1,100 sqft
57 Port Severn Road
3 bd · 1 ba · 1,500 sqft
300 Birch Acres Drive
2 bd · 2 ba · 1,500 sqft
2504 ISLAND 404/QUARRY N/A
3 bd · 1 ba · 700 sqft
29 George Street
2 bd · 1 ba · 1,100 sqft
180 Lake Road
4 bd · 2 ba · 2,000 sqft

Living in Georgian Bay: Location & Amenities

Transit, schools, parks and everyday places near this home. Select any place to open it on Google Maps.

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How long is your commute?

From 3228 Twelve Mile Bay Rd. Typical times without traffic delays; transit times aren't available yet.

Costs, Mortgage & Rental Return for 3228 Twelve Mile Bay Rd

What it could cost each month, today's rates from our mortgage partner, and what it could return as a rental.

Mortgage: $4,417; 20% down · 25 years · 5.5% assumed
Property tax: $494; 0.66% mill rate · ON
Total per month: $4,911; Before utilities, insurance and fees

Figures are Summitly estimates for illustration only — not from TRREB or the MLS® feed, and not a mortgage approval, appraisal, or financial advice.

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Monthly cost

Enter a rate to see the monthly cost

Down payment

Rate (%)

Years

An estimate, not a quote. Utilities and insurance are extra.

Affordability calculator

Estimated monthly payment

$4,417

/mo

based on the purchase price of $899,000

Down payment20%

$179,800 cash

Amortization25 yr

$719,200 financed

Rate5.50%

$605,755 total interest

Principal54%$719,200

Interest46%$605,755

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

Want rate-drop alerts and a saved shortlist?

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.

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Questions About 3228 Twelve Mile Bay Rd

How much is 3228 Twelve Mile Bay Rd listed for?

3228 Twelve Mile Bay Rd is listed at $899,000 (MLS® X13442096). Summitly updates the price as soon as the MLS® record changes.

Is $899,000 a good price for 3228 Twelve Mile Bay Rd?

Summitly rates it Well Above Market: the asking price is 15% or more above Zara's estimate, an estimate built from recent sales in Georgian Bay. The rating is an automated opinion, not an appraisal; "What's it worth?" on this page shows how it is worked out. See Zara's estimate

Has the price of 3228 Twelve Mile Bay Rd changed?

Yes — it was first listed at $999,000 and is now $899,000, a drop of $100,000 (10.0%).

How many bedrooms and bathrooms does 3228 Twelve Mile Bay Rd have?

3228 Twelve Mile Bay Rd has 3 bedrooms and 1 bathroom, with about 700–1,100 square feet of living space. It is a detached home in Georgian Bay.

How much would the monthly mortgage be on 3228 Twelve Mile Bay Rd?

About $4,417 a month — principal and interest on $899,000 with 20% down ($179,800), 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 3228 Twelve Mile Bay Rd compare with other homes in Georgian Bay?

Its asking price of $899,000 is about 16% above the median sold price in Georgian Bay over the last 90 days, $777,500, across 44 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 3228 Twelve Mile Bay Rd been sold before?

Summitly has no earlier MLS® sale or lease of 3228 Twelve Mile Bay Rd on record from the last two years. Older records aren't shown under TRREB rules.

Where is 3228 Twelve Mile Bay Rd?

3228 Twelve Mile Bay Rd is in Georgian Bay, ON. Schools, transit, parks and shops nearby are under Location & lifestyle on this page.

How long has 3228 Twelve Mile Bay Rd been on the market?

130 days — 3228 Twelve Mile Bay Rd was listed on June 13, 2026.

What is the price per square foot of 3228 Twelve Mile Bay Rd?

About $817 to $1,284 per square foot: the asking price of $899,000 over the 700–1,100 sq ft the listing gives as its size range.

Does 3228 Twelve Mile Bay Rd have parking or a garage?

Yes — the listing gives 8 parking spaces.

Does 3228 Twelve Mile Bay Rd have a basement, and is it finished?

The listing says 3228 Twelve Mile Bay Rd has no basement.

3228 Twelve Mile Bay Rd, Georgian Bay

What you should know

3 Bed, 1 Bath Detached Home in Georgian Bay

About 3228 Twelve Mile Bay Road

Inside 3228 Twelve Mile Bay Rd

Features & systems

3228 Twelve Mile Bay Rd Price & Sale History

How 3228 Twelve Mile Bay Rd Compares to the Georgian Bay Market

Georgian Bay market, last 90 days

Recently sold nearby in Georgian Bay

Living in Georgian Bay: Location & Amenities

How long is your commute?

Costs, Mortgage & Rental Return for 3228 Twelve Mile Bay Rd

Monthly cost of owning

Mortgage payments

Monthly cost

Rental income potential

Own a home on Twelve Mile Bay Road? See what yours is worth

Zara, any time

A licensed local agent

See 3228 Twelve Mile Bay Rd, Georgian Bay in person

Similar homes for sale nearby in Georgian Bay

Explore More Detached Homes in Georgian Bay

3 Bed, 1 Bath Detached Home in Georgian Bay

About 3228 Twelve Mile Bay Road

Inside 3228 Twelve Mile Bay Rd

Features & systems

3228 Twelve Mile Bay Rd Price & Sale History

How 3228 Twelve Mile Bay Rd Compares to the Georgian Bay Market

Georgian Bay market, last 90 days

Market pulse · Georgian Bay

Recently sold nearby in Georgian Bay

Living in Georgian Bay: Location & Amenities

How long is your commute?

Costs, Mortgage & Rental Return for 3228 Twelve Mile Bay Rd

Monthly cost of owning

Mortgage payments

Monthly cost

Rental income potential

Own a home on Twelve Mile Bay Road? See what yours is worth

Zara, any time

A licensed local agent

See 3228 Twelve Mile Bay Rd, Georgian Bay in person

Questions About 3228 Twelve Mile Bay Rd

How much is 3228 Twelve Mile Bay Rd listed for?

Is $899,000 a good price for 3228 Twelve Mile Bay Rd?

Has the price of 3228 Twelve Mile Bay Rd changed?

How many bedrooms and bathrooms does 3228 Twelve Mile Bay Rd have?

How much would the monthly mortgage be on 3228 Twelve Mile Bay Rd?

How does 3228 Twelve Mile Bay Rd compare with other homes in Georgian Bay?

Has 3228 Twelve Mile Bay Rd been sold before?

Where is 3228 Twelve Mile Bay Rd?

How long has 3228 Twelve Mile Bay Rd been on the market?

What is the price per square foot of 3228 Twelve Mile Bay Rd?

Does 3228 Twelve Mile Bay Rd have parking or a garage?

Does 3228 Twelve Mile Bay Rd have a basement, and is it finished?

Similar homes for sale nearby in Georgian Bay

Explore More Detached Homes in Georgian Bay

Market pulse · Georgian Bay

Questions About 3228 Twelve Mile Bay Rd

How much is 3228 Twelve Mile Bay Rd listed for?

Is $899,000 a good price for 3228 Twelve Mile Bay Rd?

Has the price of 3228 Twelve Mile Bay Rd changed?

How many bedrooms and bathrooms does 3228 Twelve Mile Bay Rd have?

How much would the monthly mortgage be on 3228 Twelve Mile Bay Rd?

How does 3228 Twelve Mile Bay Rd compare with other homes in Georgian Bay?

Has 3228 Twelve Mile Bay Rd been sold before?

Where is 3228 Twelve Mile Bay Rd?

How long has 3228 Twelve Mile Bay Rd been on the market?

What is the price per square foot of 3228 Twelve Mile Bay Rd?

Does 3228 Twelve Mile Bay Rd have parking or a garage?

Does 3228 Twelve Mile Bay Rd have a basement, and is it finished?