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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 30 days

    78 Stewart Lake Road

    Freeman·Georgian Bay, ON·P0C 1H0·Near High St

    • 3 beds
    Georgian Bay real estate›X13237586
    • 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

    Stewart Lake Waterfront Cottage! Experience lakeside living at its finest with this beautifully renovated waterfront cottage on Stewart Lake. Originally a prefabricated cottage placed on the property in 2000, the home underwent extensive renovations beginning in 2020 and completed in 2021, creating a turnkey retreat that blends modern comfort with cottage charm. The renovation included all new casement and/or awning windows, new roof, plumbing and a new well equipped with a UV filtration system for added peace of mind. Inside, you'll find thoughtful upgrades throughout, including heated bathroom floors, a cozy wood-burning fireplace, and bright, updated living spaces designed for year-round enjoyment. A heated garage provides additional convenience and storage, while the waterfront setting offers the perfect backdrop for relaxing weekends, family gatherings, and outdoor recreation. For buyers seeking a truly move-in-ready experience, a turnkey purchase option may be available, depending on the agreed purchase price. Located on a township-maintained road just minutes from Port Carling, golf courses, shopping, dining, and convenient access to Highway 400, this is the kind of Muskoka property that needs to be experienced in person to truly appreciate.

    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
    Jul 3, 2026Previously listedNew$1,498,000 —X13521786View
    Jun 3, 2026ListedCurrentFor sale$1,580,000 —X13237586This 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
      Other
      Air conditioning
      Central Air
      Water source
      Well
      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.

    📍 78 Stewart Lake Road
    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
    $7,762
    20% down · 25y · 5.50% — adjust below ↓
    Est. monthly property tax
    $392
    0.30% 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
      $1,076,302
      Last 30 days
    • Median sold price
      $820,000
      Middle of the market
    • Days on market
      51 d
      Avg from list to close
    • Closed last 30d
      32
      MLS® transactions
    Full Georgian Bay market report
    Buy with Coldwell Banker Summit Realty

    We'll get you into 78 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 78 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 78 Stewart Lake Road listed for?

      78 Stewart Lake Road is listed at $1,580,000 on the MLS® (listing X13237586). The price refreshes on Summitly within minutes of any MLS® change.

    • How many bedrooms, bathrooms, and square feet does 78 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. 2 baths
  2. 2000-2500 sqft
  3. Detached
  4. Built 6-15
  5. Asking
    $1,580,000
    $0 / sqft · MLS® X13237586
    Chat Zara
  6. Zara AI Estimate
    Live · refreshes nightly
    Estimated value
    $1,076,302
    $990,198Confidence range$1,162,406
    Asking vs estimate
    ↑↑well-above
    +$503,698
    (+46.8%)
    Asking is well above
    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 Georgian Bay sell in about 51 days — this one has been listed 30 days.

    Avg sold price
    $1,076,302
    Median sold
    $820,000
    Avg days on market
    51
    Recently sold
    32
    See comparable sales
    Walk through online
    Listing agent has provided a interactive tour
    Open virtual tour
  7. Stewart Lake Waterfront Cottage!
  8. Experience lakeside living at its finest with this beautifully renovated waterfront cottage on Stewart Lake.
  9. Inside, you'll find thoughtful upgrades throughout, including heated bathroom floors, a cozy wood-burning fireplace, and bright, updated living spaces designed for year-round enjoyment.
  10. A heated garage provides additional convenience and storage, while the waterfront setting offers the perfect backdrop for relaxing weekends, family gatherings, and outdoor recreation.
  11. Ask Zara a follow-up
    Septic
  12. Parking & garage

    4
    Garage
    Detached
    Garage spaces
    3
    Parking spaces
    13
    Driveway
    10
  13. Interior

    5
    Basement
    Full, Finished
    Family room
    Y
    Kitchens
    1
    Total rooms
    8
    Laundry level
    Main Level
  14. Exterior & construction

    6
    Exterior
    Stone, Board & Batten
    Roof
    Asphalt Shingle
    Foundation
    Block
    View
    Lake, Water, Trees/Woods
    Waterfront
    Y
    Pool
    None
  15. Lot & land

    1
    Year built
    6-15
  16. Listing & possession

    3
    Occupancy
    Flexible
    Property style
    2-Storey
    Property class
    Detached
  17. Room-by-room · 11 rooms

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

    Room dimensions

    Main level

    5 rooms
    • Bathroom
      3 Pc Bath
      11.1 × 11.5 ft
    • Living Room
      19.5 × 13.5 ft
    • Primary Bedroom
      Closet
      20.6 × 10.5 ft
    • Dining Room
      19.6 × 13.1 ft
    • Kitchen
      11.1 × 16.4 ft

    Basement level

    6 rooms
    • Recreation
      Walk-Out
      21.5 × 13.5 ft
    • Bedroom 2
      Closet
      10.5 × 8.3 ft
    • Family Room
      19.9 × 12.0 ft
    • Bedroom 3
      Closet
      10.5 × 12.2 ft
    • Bathroom
      4 Pc Bath
      7.0 × 11.6 ft
    • Utility Room
      7.0 × 10.4 ft
    Combined estimate
    $8,154
    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
    $7,762
    /mo
    based on the purchase price of $1,580,000
    $316,000 cash
    $1,264,000 financed
    $1,064,620 total interest
    Monthly payment$7,762/ month
    Principal54%$1,264,000
    Interest46%$1,064,620

    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.

    • 18152 Georgian Bay Shore
      Sold
      Sign in for price
      18152 Georgian Bay Shore
      Detached
    • 60 Hawkins Point Road
      Sold
      Sign in for price
      60 Hawkins Point Road
      Detached
    • 495 Webster's Lane
      Sold
      Sign in for price
      495 Webster's Lane
      Detached
    • 609 South Bay Road
      Sold
      Sign in for price
      609 South Bay Road
      Detached
    • 385 Crooked Bay Road
      Sold
      Sign in for price
      385 Crooked Bay Road
      Detached
    • 838 Kings Farm Road
      Sold
      Sign in for price
      838 Kings Farm Road
      Detached
    AddressBd / BaSqftSold$/sqft% of askSold
    78 Stewart Lake RoadThis home3 / 220,002,500$1,580,000ask———
    18152 Georgian Bay Shore2 / 2700—
    60 Hawkins Point Road4 / 43,000—
    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.

    • 21 Big Rock Road
      $1,295,000
      21 Big Rock Road
      Detached 2 1
    • 87 Dayeo Drive
      $1,299,000
      87 Dayeo Drive
      Detached 5 1
    • 21 Ellery Road
      $1,625,000
      21 Ellery Road
      Detached 3 3
    • 78 Stewart Lake Road
      $1,498,000
      78 Stewart Lake Road
      Detached 3 2
    • 100 ISLAND 630 GEORGIAN BAY
      $1,495,000
      100 ISLAND 630 GEORGIAN BAY
      Detached 4 3
    • 137 Pickerel Point Road
      $1,825,000
      137 Pickerel Point Road
      Detached 2 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.

  18. One team, no handoffs

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

  19. Showings on YOUR schedule

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

  20. Mortgage that closes

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

  21. Public listing courtesy of Corcoran Horizon Realty · displayed on Summitly per MLS® data-share rules

    78 Stewart Lake Road is a 3-bedroom, 2-bath, 2000-2500 sqft. Full room dimensions and floor breakdown are in the 'Rooms' section of this page.

  22. When was 78 Stewart Lake Road built?

    78 Stewart Lake Road was built in 6-15. Construction style, foundation, roof material, and EnerGuide rating (when published) are in the 'Features' section above.

  23. What is the property tax for 78 Stewart Lake Road?

    The 'Property tax' tab in the History section shows the most recent annual tax for 78 Stewart Lake Road plus a 5-year breakdown with YoY % change. Monthly equivalent is shown alongside.

  24. How much would the monthly mortgage be on 78 Stewart Lake Road?

    The affordability calculator on this page shows an estimated monthly mortgage for $1,580,000 at 20% down, 25-year amortization, and 5.5% rate. Adjust the sliders to model your own down payment and rate.

  25. Has 78 Stewart Lake Road been sold before?

    The 'Listing history' tab above lists every previous MLS® listing of 78 Stewart Lake Road with its list date, sold price (when sold), and final status. Each row is colour-coded with price-change arrows.

  26. What neighbourhood is 78 Stewart Lake Road in?

    78 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.

  27. 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.

  28. 495 Webster's Lane
    3 / 1
    700
    —
    609 South Bay Road3 / 31,500—
    385 Crooked Bay Road4 / 1700—
    838 Kings Farm Road2 / 21,500—