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1082 Loon Road, Georgina Islands, ON L0E 1R0

3+1 beds · 4 baths · 1+1 kitchens · 8 rooms · 9 parking spaces · 2000-2500 sq ft · Detached
$799,000
Property tax
$5,343 / year

Waterfront on Lake Simcoe | 100 Ft of Shoreline & Private Guest Suite !Escape to 1082 Loon Rd and experience the perfect blend of comfort and lakeside living on the shores of Lake Simcoe. This charming bungalow-style cottage offers 100 feet of pristine eastern-facing waterfront, ideal for enjoying breathtaking sunrises over the sparkling water.Step inside to a stunning open-concept living space featuring soaring cathedral ceilings and dramatic floor-to-ceiling windows that capture panoramic lake views. The kitchen is well-appointed with stainless steel appliances, granite countertops, a built-in stove and microwave, and a sleek flat-top range-perfect for entertaining while overlooking the water.The main cottage features three spacious bedrooms, each complete with its own private ensuite bathroom. The primary bedroom is a true retreat, offering tranquil water views and a walk-out to the expansive deck that spans the full width of the cottage-ideal for relaxing or entertaining by the lake. Adding exceptional value is the detached three-car garage, equipped with its own 100-amp pony panel. Above the garage, a large self-contained studio suite with kitchenette and 3-piece bathroom provides flexible space for guests, extended family, or a private retreat with plenty of space for sleeping area and recreation space. Situated on leased land with the Chippewas of Georgina Island, the current land lease extends to April 30, 2053. Annual land lease fees are $4,900 until 2028 (in addition to property taxes). Please note: short-term rentals, including Airbnb, are not permitted. A rare opportunity to own a turnkey waterfront getaway-perfect for personal enjoyment and making lasting memories.

MLS number
N13067126
Type
Detached
Status
Active
Bedrooms
4
Bathrooms
4
Postal code
L0E 1R0
Photos
50
Laundry
Not in the unit
135days · this listing
Total days on market across every earlier listing of this propertyRegistration and sign-in required

This listing’s own days on market are shown above. How long the property has been for sale across every earlier listing is drawn from records the board releases only to registered users — a free account opens it, along with the sale history below.

Listing history

No previous listings found for this address.

Where this property is

Pick a school to see the boundary it is inside. Boards redraw these — confirm with the board.

Approximate — placed from the postal code, which can cover a block or more.

Schools

The school boundaries this address is inside, and the schools nearest it. Boards redraw boundaries and cap programs — confirm with the board before this affects a decision.

School boundaries are not shown for this listingWe could only place this address to its postal code, which can cover a block or more, and school boundaries often run down the middle of a street. Naming a school boundary from a position that loose would be a guess about a school, so we don’t. Use the board’s own address lookup for this one.

Other schools nearby

By distance from this address, not school boundary — a school 400 m away can be in another school’s attendance area.

SchoolLevelDistanceRating
Black River Public School
York Region DSB
Elementary1.2 km9.0 / 10
90% met the standard
St Bernadette's Catholic Elementary School
York CDSB
Elementary1.3 km4.9 / 10
49% met the standard
How the rating is calculated

EQAO — Ontario’s testing agency — publishes, for each school, the percentage of students meeting the provincial standard in Grade 3 and Grade 6 reading, writing and mathematics. The rating is the average of those percentages divided by ten. A school where 72% of students met the standard rates 7.2 out of 10.

Nothing is weighted or adjusted, and schools are not ranked against each other. Where EQAO withholds a result to protect the privacy of a small group of students, that measure is left out rather than counted as zero — so a rating built on fewer than six measures says so.

What it does not measure. It is one year of standardised testing in three subjects. It says nothing about teaching, programs, or whether a school suits a particular child, and it tracks neighbourhood household income closely enough that it partly measures the neighbourhood rather than the school. Treat it as one figure among many.

Source: Ontario Ministry of Education, School Information and Student Demographics (2024–25), Open Government Licence – Ontario.

H-Value

our estimate of this home is for registered usersWhat comparable homes nearby actually sold for, worked into an estimate for this one — with the range it sits in and how far the method has been off in testing.Create a free accountAlready have one? Sign in.

What an H-Value is and how it is calculated — the method and our measured error, no account needed.

This neighbourhood

Statistics Canada 2021 Census, for the surrounding few blocks — about 752 people.

$98,000Median household income
88.9%Own their home
69.6%Detached houses
39.2Median age
19.8%Born outside Canada
15.3%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35190022 — the few blocks around this address, home to 752 people. It describes the area, not this property.

752Population
40.6Average age
2.7Household size
$97,000Average household income
$98,000Median household income
89%Own their home
11%Rent
15%Condominiums
20%Born outside Canada
15%University degree
$680,000Average home value
7%Low income
66%Not in the labour force
23%Never married
$20,000 to $24,9991%
$25,000 to $29,9992%
$35,000 to $39,9992%
$40,000 to $44,9991%
$45,000 to $49,9994%
$50,000 to $59,9995%
$60,000 to $69,9992%
$70,000 to $79,9996%
$80,000 to $89,9995%
$90,000 to $99,9994%
$100,000 and over35%
$100,000 to $124,99914%
$125,000 to $149,9999%
$150,000 to $199,9997%
$200,000 and over2%

Percentages are of the 405 responses in this category. Statistics Canada rounds counts and withholds small ones to keep individuals unidentifiable, so categories with too few people to publish are absent rather than shown as zero.

Source: Statistics Canada, 2021 Census of Population. Contains information licensed under the Open Government Licence – Canada.

Work out the numbers

Everything below is calculated in your browser from figures you can change. Nothing is sent anywhere.

$159,800 · minimum here is $54,900
$3,537.80per month
Borrowed before insurance$639,200
Total borrowed$639,200
Interest over 25 years at 4.5%$422,140

If you rented it out

-$3,983.05per month out of pocket
Rent$0.00
Everything it costs to hold$3,983.05
How this is calculated, and what it leaves out

Canadian fixed-rate mortgages compound semi-annually, not monthly, so the monthly rate here is (1 + rate/2)1/6 − 1. Most calculators use rate ÷ 12, which is the American convention and overstates the payment by tens of dollars a month.

Below 20% down, default insurance is mandatory and is added to the loan rather than paid at closing: 2.80% at 85% loan-to-value, 3.10% at 90%, 4.00% at 95%. It is unavailable at or above $1.5M, which is why 20% is a hard floor there.

Not included: vacancy, property management, capital repairs, income tax, and the fact that a lender qualifies you at a stress-test rate rather than the one you are quoted. This is arithmetic on the numbers above, not a mortgage approval or an opinion of what you can afford.

Listed by REMAX YOUR COMMUNITY REALTY. Listing data provided by the Toronto Regional Real Estate Board.