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310-3100 Steeles Ave W, Vaughan, ON, L4K 3R1
1-333-345-6868info@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 Listed 2 days ago

    4 Spruce Street E

    Mclean·Lake of Bays, ON·P0B 1A0·Near Bay Street

    • 3 beds
    Lake of Bays real estate›X13449238
    • 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

    Fall in love with this recreational residence nestled in the heart of the adorable and charming village of Baysville. Serviced by municpal water and sewer making this a more desirable property. This gorgeous 1890 built farm house is a pleasure to view and comes pretty much the way you see it. Step into this dream lifestyle either as a home, cottage, airbnb or a mix that works with your ideal new life. Wide plank style flooring, exposed beams, tongue and groove pine ceilings, exposed brick, with all of the amenities you expect. The property has ample privacy from neighbours and a Lake of Bays view from your yard. The beach and marina are a stroll away for a swim, paddle board, kayak or go explore beautiful lake of bays on your boat that you access conveniently at your nearby marina. A little general store, bakery, restaurants, brewery, gazebo on the water iat the park, andscenic dam are all a block or two away. The spacious sunlit residence features a grand living room with a propane fireplace, kitchen perfect for entertaining with your family/guests with ample space and ability to stay connected while cooking together. Main level family room features a walk out door to a large deck with a quintessential screened in room. Upstairs does not disappoint with the library in the loft for quiet moments of reflection. The 3 generous family size bedrooms and large 3 piece bathroom includes glass shower and laundry. The basement is dry, clean and full height offering a good storage and utility area and has been upgraded and sealed to keep moisture out of the residence. The home and garage have low maintenance vinyl siding and metal roofs for year round easy care. Part of the yard is fenced for kids, dogs and ideal for a veggie garden. A view from the yard to Lake of Bays is a bonus and reminder that you are just down the street from one of the most sought after lakes in Muskoka. Please watch the online video.

    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
    Jun 16, 2026ListedCurrentFor sale$699,900 —X13449238This 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

      5
      Heating
      Baseboard
      Air conditioning
      None
      Fireplaces
      2
      Water source
    Location & lifestyle

    Getting around, schools & the block

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

    📍 4 Spruce Street E
    What's nearby

    Points of interest classified by the MLS® feed.

    • Beach
    • Cul de Sac/Dead End
    • Waterfront
    • Wooded/Treed
    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
    $3,438
    20% down · 25y · 5.50% — adjust below ↓
    Est. monthly property tax
    $127
    0.22% mill rate · ON
    The market

    How this home sits in the Lake of Bays market

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

    The Lake of Bays market right now

    Average sold price, days on market, and closed-transaction count for Lake of Bays — sourced from MLS®.

    • Avg sold price
      $1,058,833
      Last 30 days
    • Median sold price
      $929,000
      Middle of the market
    • Days on market
      80 d
      Avg from list to close
    • Closed last 30d
      33
      MLS® transactions
    Full Lake of Bays market report
    Buy with Coldwell Banker Summit Realty

    We'll get you into 4 Spruce Street E — 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 4 Spruce Street E 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 4 Spruce Street E listed for?

      4 Spruce Street E is listed at $699,900 on the MLS® (listing X13449238). The price refreshes on Summitly within minutes of any MLS® change.

    • How many bedrooms, bathrooms, and square feet does 4 Spruce Street E 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. 2 baths
  2. 1500-2000 sqft
  3. Detached
  4. Built 100+
  5. Asking
    $699,900
    $0 / sqft · MLS® X13449238
    Chat Zara
  6. Zara AI Estimate
    Live · refreshes nightly
    Estimated value
    $1,058,833
    $974,126Confidence range$1,143,540
    Asking vs estimate
    ↓below
    −$358,933
    (-33.9%)
    Asking is below estimate
    Run the affordability numbers

    Based on the city's average sold price, adjusted for 3 bedrooms (no sqft on file).

    Market analytics

    Homes like this in Lake of Bays sell in about 80 days — this one has been listed 2 days.

    Avg sold price
    $1,058,833
    Median sold
    $929,000
    Avg days on market
    80
    Recently sold
    33
    See comparable sales
    Walk through online
    Listing agent has provided two interactive tours
    Open virtual tourWatch video tour
    AI highlights by Zara
    • The property has ample privacy from neighbours and a Lake of Bays view from your yard.
    • The spacious sunlit residence features a grand living room with a propane fireplace, kitchen perfect for entertaining with your family/guests with ample space and ability to stay connected while cooking together.
    • Part of the yard is fenced for kids, dogs and ideal for a veggie garden.
    • A view from the yard to Lake of Bays is a bonus and reminder that you are just down the street from one of the most sought after lakes in Muskoka.
    Ask Zara a follow-up
    Municipal
    Sewer
    Sewer
  7. Parking & garage

    4
    Garage
    Detached
    Garage spaces
    1
    Parking spaces
    5
    Driveway
    Private, Private Double
  8. Interior

    5
    Basement
    Unfinished
    Family room
    Y
    Kitchens
    1
    Total rooms
    8
    Laundry level
    Upper Level
  9. Exterior & construction

    5
    Exterior
    Vinyl Siding
    Roof
    Metal
    Foundation
    Stone
    View
    Trees/Woods, Clear, Garden, Water
    Pool
    None
  10. Lot & land

    2
    Year built
    100+
    Zoning
    R
  11. Listing & possession

    3
    Occupancy
    Negotiable
    Property style
    2-Storey
    Property class
    Detached
  12. Room-by-room · 9 rooms

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

    Room dimensions

    Main level

    5 rooms
    • Living Room
      Fireplace
      19.1 × 18.1 ft
    • Kitchen
      13.7 × 10.3 ft
    • Sunroom
      9.3 × 5.7 ft
    • Bathroom
      2 Pc Bath
      7.1 × 4.9 ft
    • Family Room
      Walk-Out
      17.5 × 11.1 ft

    Second level

    4 rooms
    • Bathroom
      12.0 × 9.2 ft
    • Bedroom 3
      12.0 × 9.7 ft
    • Bedroom 2
      15.9 × 9.4 ft
    • Primary Bedroom
      17.3 × 10.9 ft
  13. Lake Access
  14. Marina
  15. Combined estimate
    $3,565
    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
    $3,438
    /mo
    based on the purchase price of $699,900
    $139,980 cash
    $559,920 financed
    $471,600 total interest
    Monthly payment$3,438/ month
    Principal54%$559,920
    Interest46%$471,600

    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 Lake of Bays

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

    • 3149 Limberlost Road
      Sold
      Sign in for price
      3149 Limberlost Road
      Detached
    • 1031 Kelly Road
      Sold
      Sign in for price
      1031 Kelly Road
      Detached
    • 1009-2 Arts Road
      Sold
      Sign in for price
      1009-2 Arts Road
      Detached
    • 1091 North Tooke Lake Road
      Sold
      Sign in for price
      1091 North Tooke Lake Road
      Detached
    • 4945 Muskoka 117 Road
      Sold
      Sign in for price
      4945 Muskoka 117 Road
      Detached
    • 3511 Brunel Road
      Sold
      Sign in for price
      3511 Brunel Road
      Detached
    AddressBd / BaSqftSold$/sqft% of askSold
    4 Spruce Street EThis home3 / 215,002,000$699,900ask———
    3149 Limberlost Road2 / 1700—
    1031 Kelly Road2 / 21,100—
    Sold prices are hidden under TRREB rules. Sign in to reveal them.

    More detacheds in Lake of Bays

    Active listings within ±20% of this asking price.

    • 1106-1 Oxbow Lake Road
      $674,900
      1106-1 Oxbow Lake Road
      Detached 3 2
    • 2212-1 Highway 60
      $599,000
      2212-1 Highway 60
      Detached 2 2
    • 1131 - A West Camp Lake Road
      $639,000
      1131 - A West Camp Lake Road
      Detached 3 1
    • 1033 Bayview Point Road
      $749,000
      1033 Bayview Point Road
      Detached 3 1
    • 2831 60 Highway
      $599,900
      2831 60 Highway
      Detached 3 3
    • 1299 Dickie Lake Road
      $775,000
      1299 Dickie Lake Road
      Detached 3 1
    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.

  16. One team, no handoffs

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

  17. Showings on YOUR schedule

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

  18. Mortgage that closes

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

  19. Public listing courtesy of Royal LePage Lakes Of Muskoka Realty · displayed on Summitly per MLS® data-share rules

    4 Spruce Street E is a 3-bedroom, 2-bath, 1500-2000 sqft. Full room dimensions and floor breakdown are in the 'Rooms' section of this page.

  20. When was 4 Spruce Street E built?

    4 Spruce Street E was built in 100+. Construction style, foundation, roof material, and EnerGuide rating (when published) are in the 'Features' section above.

  21. What is the property tax for 4 Spruce Street E?

    The 'Property tax' tab in the History section shows the most recent annual tax for 4 Spruce Street E plus a 5-year breakdown with YoY % change. Monthly equivalent is shown alongside.

  22. How much would the monthly mortgage be on 4 Spruce Street E?

    The affordability calculator on this page shows an estimated monthly mortgage for $699,900 at 20% down, 25-year amortization, and 5.5% rate. Adjust the sliders to model your own down payment and rate.

  23. Has 4 Spruce Street E been sold before?

    The 'Listing history' tab above lists every previous MLS® listing of 4 Spruce Street E with its list date, sold price (when sold), and final status. Each row is colour-coded with price-change arrows.

  24. What neighbourhood is 4 Spruce Street E in?

    4 Spruce Street E is in Mclean, Lake of Bays. The 'Neighbourhood' section below links to the live Lake of Bays real estate hub with average sold price, days on market, and current inventory.

  25. Is Lake of Bays a good place to live?

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

  26. 1009-2 Arts Road
    3 / 3
    2,000
    —
    1091 North Tooke Lake Road3 / 1700—
    4945 Muskoka 117 Road4 / 63,000—
    3511 Brunel Road3 / 1700—