Available on mobile

Take Summitly with you.

Browse listings, get instant alerts, and talk to your AI concierge — all from your pocket.

Download on theApp StoreGet it onGoogle Play

Weekly market briefing

The smartest move starts here.

Curated listings, price trends, and neighbourhood insights — delivered Sunday morning.

Summitly

Your trusted partner in real estate. We help you find your perfect home, make informed decisions, and connect with expert professionals across Canada.

Coldwell Banker Summit Realty

Explore

Map SearchBrowse ListingsBrowse RentalsSold HomesOpen Houses

Sell & Rent

Sell Your HomeHome ValuationList Your Rental — FreeRental PricingRenting on Summitly

Resources

CalculatorsGet Pre-QualifiedNews & InsightsGuidesAI ConciergeFranchise

Company

AboutContactFind a RealtorCareers — Join SummitlyFAQs
310-3100 Steeles Ave W, Vaughan, ON, L4K 3R1
905-553-8500info@summitly.ca

©2026 Summitly. All rights reserved. Coldwell Banker Summit Realty, Brokerage.

Privacy PolicyTerms of UseCookiesSitemap

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.

    Summitly
    Buy
    Sell
    Rent
    Pre-con
    Meet ZaraMy HomeNews & Insights
    HomeBuySell
    For sale Listed 6 days ago

    4278 Deep Bay Road

    Lutterworth·Minden Hills, ON·K0M 2K0·Near Deep Bay Road / Bobcaygeon Road

    • 2 beds
    Minden Hills real estate›X13531384
    • Overview
    • History
    • Details
    • Location
    • Mortgage
    • Investment
    • Comparables
    • FAQ
    Open house & tour

    1 upcoming open house

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

    • Open house
      Sat, Jul 11
      2026-07-11T17:00:00.000-00:00 – 2026-07-11T19:00:00.000-00:00
      Public
    Walk through online
    Listing agent has provided two interactive tours
    Open virtual tour
    Overview

    What this listing tells us

    Property description

    Affordable four-season waterfront living on Gull River in Minden! Whether you're searching for a year-round home or the perfect family cottage, this inviting property offers the ideal opportunity to enjoy life on the water with direct boating access to Gull Lake and the renowned Gull River system. Wake up to peaceful river views, launch your canoe, kayak or paddleboard from your own shoreline, or spend the afternoon floating downstream in the gentle current. The gradual sandy shoreline provides excellent swimming and is ideal for children, while boaters and anglers will appreciate the easy access into Gull Lake and one of Ontario's most sought-after recreational waterways. Best of all, you're only a 5-minute boat ride or 2-minute drive to downtown Minden for shopping, restaurants, groceries and everyday amenities. Inside, the warm rustic finishes create the perfect cottage atmosphere while offering all the comforts of four-season living. The main level features an open-concept kitchen, dining and living area designed for gathering with family and friends, along with two bedrooms, bathroom and convenient main floor laundry. Step out onto the upper deck overlooking the river-an ideal spot for morning coffee or evening sunsets. The fully finished walkout lower level offers a spacious family room, third bedroom, second bathroom and direct access to the waterfront yard. Outside, enjoy the level grassy space, patio stone seating area and plenty of room for outdoor entertaining or family games. Located on a year-round municipal road with easy access, this property is being offered nearly turnkey, allowing you to start enjoying the waterfront lifestyle immediately. Whether you're looking for a weekend retreat, year-round residence or investment in affordable waterfront living, this Gull River property is ready to welcome you.

    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 6, 2026ListedCurrentFor sale$390,000 —X13531384This 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
      Other
      Air conditioning
      None
      Fireplaces
      1
      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.

    📍 4278 Deep Bay Road
    What's nearby

    Points of interest classified by the MLS® feed.

    • Beach
    • Lake Access
    • Park
    • Clear View
    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
    $1,916
    20% down · 25y · 5.50% — adjust below ↓
    Est. monthly property tax
    $135
    0.42% mill rate · ON
    The market

    How this home sits in the Minden Hills market

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

    The Minden Hills market right now

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

    • Avg sold price
      —
      Last 30 days
    • Median sold price
      —
      Middle of the market
    • Days on market
      —
      Avg from list to close
    • Closed last 30d
      —
      MLS® transactions
    Full Minden Hills market report
    Buy with Coldwell Banker Summit Realty

    We'll get you into 4278 Deep Bay 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 4278 Deep Bay 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 4278 Deep Bay Road listed for?

      4278 Deep Bay Road is listed at $390,000 on the MLS® (listing X13531384). The price refreshes on Summitly within minutes of any MLS® change.

    • How many bedrooms, bathrooms, and square feet does 4278 Deep Bay 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. 2 baths
  2. < 700 sqft
  3. Detached
  4. Asking
    $390,000
    $557 / sqft · MLS® X13531384
    Chat Zara
  5. Zara AI Estimate
    Live valuation

    Not enough neighbourhood comparable data yet to estimate this listing. Chat with Zara for a private valuation.

    Ask Zara
    Market analytics

    Live market data for Minden Hills.

    Avg sold price
    —
    Median sold
    —
    Avg days on market
    —
    Recently sold
    —
    See comparable sales
    Watch video tour
    AI highlights by Zara
    • Wake up to peaceful river views, launch your canoe, kayak or paddleboard from your own shoreline, or spend the afternoon floating downstream in the gentle current.
    • Step out onto the upper deck overlooking the river-an ideal spot for morning coffee or evening sunsets.
    • The fully finished walkout lower level offers a spacious family room, third bedroom, second bathroom and direct access to the waterfront yard.
    • Outside, enjoy the level grassy space, patio stone seating area and plenty of room for outdoor entertaining or family games.
    Ask Zara a follow-up
    Other
    Sewer
    Septic
  6. Parking & garage

    3
    Garage
    None
    Parking spaces
    4
    Driveway
    Private
  7. Interior

    5
    Basement
    Finished with Walk-Out, Full
    Family room
    N
    Kitchens
    1
    Total rooms
    7
    Laundry level
    Main Level
  8. Exterior & construction

    6
    Exterior
    Wood
    Roof
    Metal
    Foundation
    Block
    View
    River
    Waterfront
    Y
    Pool
    None
  9. Listing & possession

    3
    Occupancy
    Flexible
    Property style
    Bungalow
    Property class
    Detached
  10. Room-by-room · 7 rooms

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

    Room dimensions

    Main level

    4 rooms
    • Bathroom
      8.6 × 6.1 ft
    • Bedroom 2
      Combined w/Sunroom
      7.4 × 15.8 ft
    • Primary Bedroom
      10.0 × 9.5 ft
    • Living Room
      combined w/kitchen · combined w/dining · w/o to deck
      20.0 × 18.0 ft

    Lower level

    3 rooms
    • Bathroom
      8.5 × 5.4 ft
    • Recreation
      17.8 × 11.5 ft
    • Bedroom 3
      12.0 × 8.5 ft
  11. School Bus Route
  12. River/Stream
  13. Combined estimate
    $2,051
    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
    $1,916
    /mo
    based on the purchase price of $390,000
    $78,000 cash
    $312,000 financed
    $262,786 total interest
    Monthly payment$1,916/ month
    Principal54%$312,000
    Interest46%$262,786

    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 Minden Hills

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

    • 1047 RANSLEY Road
      Sold
      Sign in for price
      1047 RANSLEY Road
      Detached
    • 1951 Boldts Lane
      Sold
      Sign in for price
      1951 Boldts Lane
      Detached
    • 1012 Green Gables Road
      Sold
      Sign in for price
      1012 Green Gables Road
      Detached
    • 2397 Kashagawigamog Lake Road
      Sold
      Sign in for price
      2397 Kashagawigamog Lake Road
      Detached
    • 1446 South Lake Road
      Sold
      Sign in for price
      1446 South Lake Road
      Detached
    • 1393 Hunter Creek Road
      Sold
      Sign in for price
      1393 Hunter Creek Road
      Detached
    AddressBd / BaSqftSold$/sqft% of askSold
    4278 Deep Bay RoadThis home2 / 2700$390,000ask$557——
    1047 RANSLEY Road3 / 21,500—
    1951 Boldts Lane1 / 0700—
    Sold prices are hidden under TRREB rules. Sign in to reveal them.

    More detacheds in Minden Hills

    Active listings within ±20% of this asking price.

    • 10549 Devil's Lake WAO
      $455,000
      10549 Devil's Lake WAO
      Detached 2 1
    • 1032 Gazebo Lane
      $400,000
      1032 Gazebo Lane
      Detached 3 1
    • 10597 Black Lake WAO
      $399,000
      10597 Black Lake WAO
      Detached 3 1
    • 1234 Howland Junction Road
      $399,000
      1234 Howland Junction Road
      Detached 4 1
    • 1131 Sharon Lake Drive
      $425,000
      1131 Sharon Lake Drive
      Detached 3 1
    • 1577 Bethel Road
      $380,000
      1577 Bethel Road
      Detached 2 2
    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.

  14. One team, no handoffs

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

  15. Showings on YOUR schedule

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

  16. Mortgage that closes

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

  17. Public listing courtesy of RE/MAX Professionals North · displayed on Summitly per MLS® data-share rules

    4278 Deep Bay Road is a 2-bedroom, 2-bath, < 700 sqft. Full room dimensions and floor breakdown are in the 'Rooms' section of this page.

  18. When was 4278 Deep Bay Road built?

    The year built for 4278 Deep Bay Road isn't published in this MLS® feed — ask a Summitly realtor for the construction year from the seller's disclosure.

  19. What is the property tax for 4278 Deep Bay Road?

    The 'Property tax' tab in the History section shows the most recent annual tax for 4278 Deep Bay Road plus a 5-year breakdown with YoY % change. Monthly equivalent is shown alongside.

  20. How much would the monthly mortgage be on 4278 Deep Bay Road?

    The affordability calculator on this page shows an estimated monthly mortgage for $390,000 at 20% down, 25-year amortization, and 5.5% rate. Adjust the sliders to model your own down payment and rate.

  21. Has 4278 Deep Bay Road been sold before?

    The 'Listing history' tab above lists every previous MLS® listing of 4278 Deep Bay Road with its list date, sold price (when sold), and final status. Each row is colour-coded with price-change arrows.

  22. What neighbourhood is 4278 Deep Bay Road in?

    4278 Deep Bay Road is in Lutterworth, Minden Hills. The 'Neighbourhood' section below links to the live Minden Hills real estate hub with average sold price, days on market, and current inventory.

  23. Is Minden Hills a good place to live?

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

  24. 1012 Green Gables Road
    3 / 4
    3,000
    —
    2397 Kashagawigamog Lake Road3 / 12,000—
    1446 South Lake Road3 / 32,500—
    1393 Hunter Creek Road3 / 21,100—