Gather. Some places are measured in square feet, shoreline and views. Others are remembered for what happens within them - and who was there to share it. Morning begins quietly here. Coffee overlooking the lake before the rest of the house wakes. Doors open, people begin to wander in, and before long everyone seems to find their way to the kitchen and around the table. Plans for the day are made, although on Lake Muskoka, the best days have a way of unfolding on their own. Down at the shoreline, the sheltered sandy cove becomes its own gathering place - swimming, paddling, dogs in the water and long afternoons spent on the dock. Later, someone lights the barbecue while others settle onto the deck, drinks are poured and dinner stretches well beyond the meal itself.There is room here for everyone to be together, but also enough space to find a little quiet when you want it. The main cottage is complemented by a separate coach house, creating welcoming accommodation for family and friends, while the boathouse and waterfront keep life centred where it belongs - at the lake. As evening settles in, the gathering moves to the fire. Stories get better, laughter carries a little farther across the water, and eventually the day ends back where so many Muskoka days do - on the dock, beneath the night sky. Set along approximately 150 feet of southwest-facing Lake Muskoka shoreline, this is more than a collection of buildings on the water. It's a place for summer weekends that turn into traditions, for friends who stay an extra night, for generations around the same table and for the ordinary moments that somehow become the ones everyone remembers. Come for Lake Muskoka. Stay for the moments shared here.
1 bedroom, 4 bathrooms, about 1,100 sq ft, works out to roughly $4,086 per square foot, the bed-to-bath ratio is generous. Chat with Zara if you'd like a deeper read on whether this detached fits your budget and timing.
Inside 3646 Muskoka Rd 169 Rd #12
Every detail from the listing, in one place.
Type
Detached
Style
Bungalow-Raised
Living space
1100-1500 sq ftas stated on the listing
Parking
12 spacesYes garage
Basement
Finished with Walk-Out
Features & systems
Parking & garage
Garage
Yes
Parking spaces
12
Interior
Basement
Finished with Walk-Out
Lot & land
Lot size (sqft)
0.98
Listing & possession
Property style
Bungalow-Raised
Property class
Detached
3646 Muskoka Rd 169 Rd #12 Price & Sale History
Earlier listings of this property, list-price changes, and the most recent annual property tax on the listing.
For saleListedThis listingMLS® X13712750$4,495,000
Sourced from MLS®. Includes earlier listings of this property on record.
What's it worth?
How 3646 Muskoka Rd 169 Rd #12 Compares to the Muskoka Lakes Market
Zara compares it with recent sales of similar homes nearby. It's a guide, not an appraisal.
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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
$22,083
/mo
based on the purchase price of $4,495,000
$899,000 cash
$3,596,000 financed
$3,028,776 total interest
Principal54%$3,596,000
Interest46%$3,028,776
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.
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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 Muskoka Lakes
Other 3–5 bed homes for sale in Muskoka Lakes around $4.5M.
Average days on market46Homes sold in about 46 days on average.
Sale-to-list ratio94.3%On average, homes sold below asking.
Active listings235Homes for sale here right now.
Median vs prior 90 days+23.5%Compared with Apr 26 – Jul 25, 2026: prices up.
Based on 125 sales from Jul 25 – Oct 23, 2026 (73 in the prior 90 days). Aggregate MLS® figures for closed sales; individual sold prices are shown only to signed-in members.
Questions About 3646 Muskoka Rd 169 Rd #12
How much is 3646 Muskoka Rd 169 Rd #12 listed for?
3646 Muskoka Rd 169 Rd #12 is listed at $4,495,000 (MLS® X13712750). Summitly updates the price as soon as the MLS® record changes.
Is $4,495,000 a good price for 3646 Muskoka Rd 169 Rd #12?
Summitly rates it Well Above Market: the asking price is 15% or more above Zara's estimate, an estimate built from recent sales in Muskoka Lakes. 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 3646 Muskoka Rd 169 Rd #12 changed?
No — 3646 Muskoka Rd 169 Rd #12 is still listed at its original asking price of $4,495,000.
How many bedrooms and bathrooms does 3646 Muskoka Rd 169 Rd #12 have?
3646 Muskoka Rd 169 Rd #12 has 1 bedroom and 4 bathrooms, with about 1,100–1,500 square feet of living space. It is a detached home in Muskoka Lakes.
How much would the monthly mortgage be on 3646 Muskoka Rd 169 Rd #12?
About $22,083 a month — principal and interest on $4,495,000 with 20% down ($899,000), 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 3646 Muskoka Rd 169 Rd #12 compare with other homes in Muskoka Lakes?
Its asking price of $4,495,000 is about 328% above the median sold price in Muskoka Lakes over the last 90 days, $1,050,000, across 125 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 3646 Muskoka Rd 169 Rd #12 been sold before?
Summitly has no earlier MLS® sale or lease of 3646 Muskoka Rd 169 Rd #12 on record from the last two years. Older records aren't shown under TRREB rules.
Where is 3646 Muskoka Rd 169 Rd #12?
3646 Muskoka Rd 169 Rd #12 is in Muskoka Lakes, ON. Schools, transit, parks and shops nearby are under Location & lifestyle on this page.
How long has 3646 Muskoka Rd 169 Rd #12 been on the market?
58 days — 3646 Muskoka Rd 169 Rd #12 was listed on August 26, 2026.
What is the price per square foot of 3646 Muskoka Rd 169 Rd #12?
About $2,997 to $4,086 per square foot: the asking price of $4,495,000 over the 1,100–1,500 sq ft the listing gives as its size range.
Does 3646 Muskoka Rd 169 Rd #12 have parking or a garage?
Yes — the listing gives 12 parking spaces. Garage: Yes.
Does 3646 Muskoka Rd 169 Rd #12 have a basement, and is it finished?
The listing describes the basement as: Finished with Walk-Out.
