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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 91 days

    398 Gilbert Bay Lane

    Wollaston·Coe Hill, ON·K0L 1P0·Near Ridge Rd Hwy 620

    • 3 beds
    Coe Hill real estate›X12411351
    • 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

    Thoughtfully updated, 3 Bedroom, 2 Bath, fully winterised, 4 Season Cottage with stunning views of Wollaston Lake. Whether swimming, paddling or boating from your 100' of clean, deep, private shore line or curled up next to the wood stove this lakeside home caters to all of your cottage country activities. Entertain guests in an open concept layout that offer views of the lake from the family room, kitchen, dining room and living room right out to the expansive deck. Featuring a dry boathouse to securely store all of your lakeside toys as well as a garage/workshop with a spacious loft above that is awaiting your imagination. When the day ends retreat to your luxurious primary suite, featuring a private ensuite with a spacious walk-in shower. Generac, automatic generator adds convenience and peace of mind for year round use. Hot Water Owned, Steel Roof (2024), HVAC Replaced 2021, Security Cameras, UpgradedOutdoor Lighting, Trex Decking on Permanent Portion of Dock.

    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
    Apr 24, 2026Previously listedNew$895,000 —X13044728View
    Jan 23, 2026Previously listedExp$895,000 —X12726170View
    Sep 17, 2025ListedCurrentFor sale$924,999 —X12411351This page
    Jun 12, 2025Previously listedExp$974,999 —X12215274View
    Feb 27, 2025Previously listedExp$999,999 —X11992568View
    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
      Forced Air
      Air conditioning
      Central Air
      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.

    📍 398 Gilbert Bay Lane
    What's nearby

    Points of interest classified by the MLS® feed.

    • Beach
    • Clear View
    • Campground
    • 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
    $4,544
    20% down · 25y · 5.50% — adjust below ↓
    Est. monthly property tax
    $370
    0.48% mill rate · ON
    The market

    How this home sits in the Coe Hill market

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

    The Coe Hill market right now

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

    • Avg sold price
      $350,355
      Last 30 days
    • Median sold price
      $365,000
      Middle of the market
    • Days on market
      30 d
      Avg from list to close
    • Closed last 30d
      11
      MLS® transactions
    Full Coe Hill market report
    Buy with Coldwell Banker Summit Realty

    We'll get you into 398 Gilbert Bay Lane — 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 398 Gilbert Bay Lane 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 398 Gilbert Bay Lane listed for?

      398 Gilbert Bay Lane is listed at $924,999 on the MLS® (listing X12411351). The price refreshes on Summitly within minutes of any MLS® change.

    • How many bedrooms, bathrooms, and square feet does 398 Gilbert Bay Lane 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 31-50
  5. Asking
    $924,999
    $0 / sqft · MLS® X12411351
    Chat Zara
  6. Zara AI Estimate
    Live · refreshes nightly
    Estimated value
    $350,355
    $322,327Confidence range$378,383
    Asking vs estimate
    ↑↑well-above
    +$574,644
    (+164.0%)
    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 Coe Hill sell in about 30 days — this one has been listed 91 days.

    Avg sold price
    $350,355
    Median sold
    $365,000
    Avg days on market
    30
    Recently sold
    11
    See comparable sales
    Walk through online
    Listing agent has provided a interactive tour
    Open virtual tour
    Thoughtfully updated, 3 Bedroom, 2 Bath, fully winterised, 4 Season Cottage with stunning views of Wollaston Lake.
  7. Entertain guests in an open concept layout that offer views of the lake from the family room, kitchen, dining room and living room right out to the expansive deck.
  8. Featuring a dry boathouse to securely store all of your lakeside toys as well as a garage/workshop with a spacious loft above that is awaiting your imagination.
  9. When the day ends retreat to your luxurious primary suite, featuring a private ensuite with a spacious walk-in shower.
  10. Ask Zara a follow-up
    Well
    Sewer
    Septic
  11. Parking & garage

    4
    Garage
    Detached
    Garage spaces
    1
    Parking spaces
    11
    Driveway
    Private Double
  12. Interior

    6
    Basement
    None
    Family room
    Y
    Kitchens
    1
    Total rooms
    7
    Laundry level
    Main Level
    Accessibility
    N
  13. Exterior & construction

    5
    Exterior
    Vinyl Siding
    Roof
    Metal
    Foundation
    Post & Pad
    Waterfront
    Y
    Pool
    None
  14. Lot & land

    1
    Year built
    31-50
  15. Listing & possession

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

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

    Room dimensions

    Main level

    7 rooms
    • Bedroom 2
      9.0 × 8.8 ft
    • Bedroom 3
      10.2 × 8.6 ft
    • Kitchen
      Stainless Steel Appl
      13.8 × 15.3 ft
    • Living Room
      21.4 × 15.0 ft
    • Primary Bedroom
      16.9 × 11.1 ft
    • Pantry
      5.7 × 7.5 ft
    • Family Room
      Wood Stove
      9.6 × 23.5 ft
  17. Waterfront
  18. Combined estimate
    $4,914
    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
    $4,544
    /mo
    based on the purchase price of $924,999
    $185,000 cash
    $739,999 financed
    $623,273 total interest
    Monthly payment$4,544/ month
    Principal54%$739,999
    Interest46%$623,273

    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 Coe Hill

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

    • 77B Lavallee Creek Drive
      Sold
      Sign in for price
      77B Lavallee Creek Drive
      Detached
    • 4091 Hwy 620
      Sold
      Sign in for price
      4091 Hwy 620
      Detached
    • 439 Rose Island Road
      Sold
      Sign in for price
      439 Rose Island Road
      Detached
    • 130F Finnegan Lane
      Sold
      Sign in for price
      130F Finnegan Lane
      Detached
    • 89 Vader Lake Road
      Sold
      Sign in for price
      89 Vader Lake Road
      Detached
    • 4014 Highway 620
      Sold
      Sign in for price
      4014 Highway 620
      Detached
    AddressBd / BaSqftSold$/sqft% of askSold
    398 Gilbert Bay LaneThis home3 / 211,001,500$924,999ask———
    77B Lavallee Creek Drive3 / 2700—
    4091 Hwy 6203 / 1700—
    Sold prices are hidden under TRREB rules. Sign in to reveal them.

    More detacheds in Coe Hill

    Active listings within ±20% of this asking price.

    • 4741 Lower Faraday Road
      $795,000
      4741 Lower Faraday Road
      Detached 3 2
    • 24224 62 Highway
      $849,900
      24224 62 Highway
      Detached 3 1
    • 1742 Rose Island Road
      $799,000
      1742 Rose Island Road
      Detached 3 2
    • 5794 Highway 620
      $879,900
      5794 Highway 620
      Detached 3 3
    • 2077 Mink Lake Road
      $899,000
      2077 Mink Lake Road
      Detached 5 3
    • 398 Gilbert Bay Lane
      $895,000
      398 Gilbert Bay Lane
      Detached 3 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.

  19. One team, no handoffs

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

  20. Showings on YOUR schedule

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

  21. Mortgage that closes

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

  22. Public listing courtesy of Royal Lepage Real Estate Associates · displayed on Summitly per MLS® data-share rules

    398 Gilbert Bay Lane is a 3-bedroom, 2-bath, 1100-1500 sqft. Full room dimensions and floor breakdown are in the 'Rooms' section of this page.

  23. When was 398 Gilbert Bay Lane built?

    398 Gilbert Bay Lane was built in 31-50. Construction style, foundation, roof material, and EnerGuide rating (when published) are in the 'Features' section above.

  24. What is the property tax for 398 Gilbert Bay Lane?

    The 'Property tax' tab in the History section shows the most recent annual tax for 398 Gilbert Bay Lane plus a 5-year breakdown with YoY % change. Monthly equivalent is shown alongside.

  25. How much would the monthly mortgage be on 398 Gilbert Bay Lane?

    The affordability calculator on this page shows an estimated monthly mortgage for $924,999 at 20% down, 25-year amortization, and 5.5% rate. Adjust the sliders to model your own down payment and rate.

  26. Has 398 Gilbert Bay Lane been sold before?

    The 'Listing history' tab above lists every previous MLS® listing of 398 Gilbert Bay Lane with its list date, sold price (when sold), and final status. Each row is colour-coded with price-change arrows.

  27. What neighbourhood is 398 Gilbert Bay Lane in?

    398 Gilbert Bay Lane is in Wollaston, Coe Hill. The 'Neighbourhood' section below links to the live Coe Hill real estate hub with average sold price, days on market, and current inventory.

  28. Is Coe Hill a good place to live?

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

  29. 439 Rose Island Road
    5 / 2
    700
    —
    130F Finnegan Lane2 / 1700—
    89 Vader Lake Road2 / 21,500—
    4014 Highway 6203 / 1700—