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.

Explore

Map SearchBrowse ListingsBrowse RentalsSold HomesOpen Houses

Sell & Rent

Sell Your HomeHome ValuationList Your Rental — FreeRental PricingRenting on Summitly

Resources

CalculatorsGet Pre-QualifiedNews & InsightsGuidesBlogAI ConciergeFranchise

Company

AboutContactFind a RealtorCareers — Join SummitlyFAQs
310-3100 Steeles Ave W, Vaughan, ON, L4K 3R1
1-333-345-6868info@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 Logo
    Buy
    Sell
    Rent
    Pre-con
    Meet ZaraMy HomeNews & Insights
    HomeBuySell
    For sale On market 74 days

    28 McRae Beach Road S

    Virginia·Georgina, ON·L0E 1N0·Near Duclos Point/McRae Beach

    • 4 beds
    Georgina real estate›N12076675
    • 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

    Welcome to the Gray Cottage. Offered for sale for the first time in over 60 years, this 3-season cottage is nestled on 70ft of prime Lake Simcoe shorefront, offering a peaceful retreat surrounded by towering trees and lush natural landscapes. The Gray Cottage maintains its nostalgic charm with a cozy interior that features 4 spacious bedrooms, 2 powder rooms & a separate shower room. Entertain guests with ease in the open-concept living/dining that features a large stone fireplace w/woodstove insert, large breakfast bar, & oversized windows with westerly exposure for breathtaking views of infamous Lake Simcoe sunsets. Walk to the waters edge where the rhythmic sound of waves lapping the natural shoreline is a constant companion, adding to the cottage's tranquil atmosphere. Renovate & restore the existing charm of the Gray Cottage or build your dream 4-season home in the exclusive McRae Beach community and enjoy the alluring tradition of Lake Simcoe's cottage culture for years to come.

    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
    Feb 5, 2026Previously listedPc$899,000 —N12766404View
    Oct 14, 2025Previously listedTer$1,075,000 —N12459579View
    Aug 13, 2025Previously listedExp$1,075,000 —N12341506View
    Jun 25, 2025Previously listedTer$1,129,000 —N12244016View
    Apr 11, 2025ListedCurrentFor sale$1,129,000 —N12076675This page
    Dec 5, 2024Previously listedExp$1,129,000 —N11883037View
    Oct 10, 2024Previously listedTer$1,149,900 —N9390522View
    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
      None
      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.

    📍 28 McRae Beach Road S
    What's nearby

    Points of interest classified by the MLS® feed.

    • Beach
    • Clear View
    • Golf
    • Lake/Pond
    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
    $5,546
    20% down · 25y · 5.50% — adjust below ↓
    Est. monthly property tax
    $524
    0.56% mill rate · ON
    The market

    How this home sits in the Georgina market

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

    The Georgina market right now

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

    • Avg sold price
      $804,341
      Last 30 days
    • Median sold price
      $755,000
      Middle of the market
    • Days on market
      31 d
      Avg from list to close
    • Closed last 30d
      169
      MLS® transactions
    Full Georgina market report
    Buy with Coldwell Banker Summit Realty

    We'll get you into 28 McRae Beach Road S — 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 28 McRae Beach Road S 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 28 McRae Beach Road S listed for?

      28 McRae Beach Road S is listed at $1,129,000 on the MLS® (listing N12076675). The price refreshes on Summitly within minutes of any MLS® change.

    • How many bedrooms, bathrooms, and square feet does 28 McRae Beach Road S 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. 1100-1500 sqft
  3. Detached
  4. Built 51-99
  5. Asking
    $1,129,000
    $0 / sqft · MLS® N12076675
    Chat Zara
  6. Zara AI Estimate
    Live · refreshes nightly
    Estimated value
    $949,122
    $873,193Confidence range$1,025,052
    Asking vs estimate
    ↑↑well-above
    +$179,878
    (+19.0%)
    Asking is well above
    Run the affordability numbers

    Based on the city's average sold price, adjusted for 4 bedrooms (no sqft on file).

    Market analytics

    Homes like this in Georgina sell in about 31 days — this one has been listed 74 days.

    Avg sold price
    $804,341
    Median sold
    $755,000
    Avg days on market
    31
    Recently sold
    169
    See comparable sales
    Welcome to the Gray Cottage.
  7. The Gray Cottage maintains its nostalgic charm with a cozy interior that features 4 spacious bedrooms, 2 powder rooms & a separate shower room.
  8. Ask Zara a follow-up
    Septic
  9. Parking & garage

    3
    Garage
    None
    Parking spaces
    6
    Driveway
    Front Yard Parking
  10. Interior

    4
    Basement
    Crawl Space
    Family room
    N
    Kitchens
    1
    Total rooms
    7
  11. Exterior & construction

    6
    Exterior
    Wood
    Roof
    Asphalt Shingle
    Foundation
    Block
    View
    Water, Lake
    Waterfront
    Y
    Pool
    None
  12. Lot & land

    1
    Year built
    51-99
  13. Listing & possession

    3
    Occupancy
    TBD
    Property style
    Bungalow
    Property class
    Detached
  14. Room-by-room · 7 rooms

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

    Room dimensions

    Main level

    7 rooms
    • Bedroom 2
      closet · window · overlooks frontyard
      10.7 × 9.0 ft
    • Bedroom 4
      closet · window · overlook water
      9.8 × 10.6 ft
    • Bedroom 3
      closet · window · overlooks frontyard
      10.7 × 9.0 ft
    • Bedroom
      closet · window · overlooks frontyard
      10.7 × 9.2 ft
    • Dining Room
      overlook water · overlooks family · window
      13.1 × 18.7 ft
    • Living Room
      overlook water · w/o to deck · fireplace insert
      17.1 × 13.8 ft
    • Kitchen
      open concept · breakfast bar · picture window
      15.9 × 10.6 ft
  15. School
  16. Waterfront
  17. Combined estimate
    $6,070
    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
    $5,546
    /mo
    based on the purchase price of $1,129,000
    $225,800 cash
    $903,200 financed
    $760,731 total interest
    Monthly payment$5,546/ month
    Principal54%$903,200
    Interest46%$760,731

    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 Georgina

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

    • 18 Reddenhurst Crescent
      Sold
      Sign in for price
      18 Reddenhurst Crescent
      Detached
    • 163 Gwendolyn Boulevard
      Sold
      Sign in for price
      163 Gwendolyn Boulevard
      Detached
    • 6 Edith Street
      Sold
      Sign in for price
      6 Edith Street
      Detached
    • 26162 Highway 48 Highway
      Sold
      Sign in for price
      26162 Highway 48 Highway
      Detached
    • 220 Pine Beach Drive
      Sold
      Sign in for price
      220 Pine Beach Drive
      Detached
    • 10292 Ravenshoe Road
      Sold
      Sign in for price
      10292 Ravenshoe Road
      Detached
    AddressBd / BaSqftSold$/sqft% of askSold
    28 McRae Beach Road SThis home4 / 211,001,500$1,129,000ask———
    18 Reddenhurst Crescent3 / 41,500—
    163 Gwendolyn Boulevard3 / 21,100—
    Sold prices are hidden under TRREB rules. Sign in to reveal them.

    More detacheds in Georgina

    Active listings within ±20% of this asking price.

    • 796 Rockaway Road
      $999,900
      796 Rockaway Road
      Detached 3 4
    • 14 Aynsley Place
      $1,129,000
      14 Aynsley Place
      Detached 3 3
    • 287 Elmview Gardens
      $1,170,000
      287 Elmview Gardens
      Detached 4 5
    • 5 Ainslie Hill Crescent
      $1,049,900
      5 Ainslie Hill Crescent
      Detached 4 4
    • 59 King Street
      $1,198,000
      59 King Street
      Detached 3 4
    • 31 Valleo Street
      $949,000
      31 Valleo Street
      Detached 4 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 KELLER WILLIAMS REALTY CENTRES · displayed on Summitly per MLS® data-share rules

    28 McRae Beach Road S is a 4-bedroom, 2-bath, 1100-1500 sqft. Full room dimensions and floor breakdown are in the 'Rooms' section of this page.

  22. When was 28 McRae Beach Road S built?

    28 McRae Beach Road S was built in 51-99. Construction style, foundation, roof material, and EnerGuide rating (when published) are in the 'Features' section above.

  23. What is the property tax for 28 McRae Beach Road S?

    The 'Property tax' tab in the History section shows the most recent annual tax for 28 McRae Beach Road S plus a 5-year breakdown with YoY % change. Monthly equivalent is shown alongside.

  24. How much would the monthly mortgage be on 28 McRae Beach Road S?

    The affordability calculator on this page shows an estimated monthly mortgage for $1,129,000 at 20% down, 25-year amortization, and 5.5% rate. Adjust the sliders to model your own down payment and rate.

  25. Has 28 McRae Beach Road S been sold before?

    The 'Listing history' tab above lists every previous MLS® listing of 28 McRae Beach Road S with its list date, sold price (when sold), and final status. Each row is colour-coded with price-change arrows.

  26. What neighbourhood is 28 McRae Beach Road S in?

    28 McRae Beach Road S is in Virginia, Georgina. The 'Neighbourhood' section below links to the live Georgina real estate hub with average sold price, days on market, and current inventory.

  27. Is Georgina a good place to live?

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

  28. 6 Edith Street
    3 / 2
    1,100
    —
    26162 Highway 48 Highway3 / 1700—
    220 Pine Beach Drive4 / 32,000—
    10292 Ravenshoe Road3 / 31,500—