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640 Tiny Beaches Road N, Tiny, ON L0L 2J0

6 beds · 2 baths · 1 kitchen · 8 rooms · 16 parking spaces · 2500-3000 sq ft · Laundry on the main level level · Detached
$699,999
Property tax
$1,893 / year

Rare Georgian Bay Opportunity on Nearly 1 Acre - Steps to the Beach!Welcome to this charming and incredibly spacious family retreat situated on an exceptionally rare nearly 1-acre lot (190 ft x 208 ft) just steps from the sparkling waters and beautiful sandy beaches of Georgian Bay.Offering approximately 2,874 sq ft of living space, this inviting home features 6 bedrooms and endless room for large families, weekend guests, or multi-generational living. From the moment you arrive, you'll appreciate the warmth, character, and peaceful setting this unique property has to offer.The main floor features a bright eat-in kitchen that flows into a large living area, convenient main floor laundry, an oversized bedroom, and a huge bonus room with outstanding potential for additional living space, games room, guest suite, studio, or entertaining area. The attached rear workshop with rough-in opens the door to even more future possibilities.Upstairs, you'll find 5 additional spacious bedrooms, providing plenty of room for family and friends to relax and unwind after long summer days by the water.Outside is where this property truly shines. The massive paved driveway easily accommodates 15+ vehicles and leads to an oversized garage with ample room for boats, snowmobiles, ATVs, and all your summer and winter toys. The beautifully treed yard feels like your own private park, complete with mature trees, apple trees, garden beds, a peaceful creek running along the edge of the property, and a bonfire pit perfect for unforgettable evenings under the stars.Whether you're searching for a year-round home, family getaway, or an incredible Airbnb/investment opportunity, this property offers endless possibilities in one of Georgian Bay's most sought-after beachside locations.Rare oversized parcel for the area may offer future severance/development potential. Create lifelong family memories in a setting you'll never want to leave.

MLS number
S13106516
Type
Detached
Status
Active
Bedrooms
6
Bathrooms
2
Postal code
L0L 2J0
Photos
29
Laundry
Main Level level
127days · 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

This address has been listed 3 times.

Sale history is for registered usersSee what this address sold for and when, across all 3 listings. Free account — the board’s rules require one before sold data can be shown.Create a free account

Where this property is

Where this address sits, matched against open government data.

Estimated from the house-number range along this road: the right block of the right street, not the exact building. No address file publishes this house.

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.

The market around this home

Detached houses in Rural Tiny — 311 sales over the last five years.

Median sold priceWhat comparable homes actually sold for
$652k$999k$1.35M20252026this home’s asking price
$728klatest quarter · hover to read any
Sold vs askingAbove 100% means bidding wars were normal
95%98%100%20252026the asking price
96%latest quarter · hover to read any
Days to sellMedian days on market before the deal closed
-1d28d56d20252026
26dlatest quarter · hover to read any
How these are built, and what they cannot tell you

Each point is the median of the sales that closed in that quarter among detached houses in rural tiny. A quarter with fewer than eight is left out rather than drawn, and the line breaks where that happens — a median over three sales is really one home’s price, and joining across a gap would draw a number nobody measured.

This is not an estimate of what this home is worth. The segment is a property type in an area; it takes no account of this home’s size, condition, renovations, lot, exposure or how it compares to its neighbours, and half the homes in any quarter sold for more than the median and half for less. It is context for a conversation with an agent, not a valuation.

Toronto Regional Real Estate Board closed transactions. Deemed reliable but not guaranteed accurate by PropTx.

This neighbourhood

Statistics Canada 2021 Census, for the surrounding few blocks — about 712 people.

$75,000Median household income
88.9%Own their home
95.2%Detached houses
55.2Median age
15.1%Born outside Canada
16.8%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35430555 — the few blocks around this address, home to 712 people. It describes the area, not this property.

712Population
48.5Average age
2.3Household size
$84,000Average household income
$75,000Median household income
89%Own their home
11%Rent
0%Condominiums
15%Born outside Canada
17%University degree
$745,000Average home value
13%Low income
18%Never married
Under $5,0001%
$10,000 to $14,9991%
$15,000 to $19,9993%
$20,000 to $24,9991%
$25,000 to $29,9993%
$30,000 to $34,9993%
$35,000 to $39,9994%
$40,000 to $44,9993%
$45,000 to $49,9994%
$50,000 to $59,9998%
$60,000 to $69,9995%
$70,000 to $79,9994%
$80,000 to $89,9994%
$90,000 to $99,9995%
$100,000 and over27%
$100,000 to $124,9999%
$125,000 to $149,9996%
$150,000 to $199,9998%
$200,000 and over4%

Percentages are of the 395 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.

$140,000 · minimum here is $45,000
$3,099.44per month
Borrowed before insurance$559,999
Total borrowed$559,999
Interest over 25 years at 4.5%$369,834

If you rented it out

-$3,257.19per month out of pocket
Rent$0.00
Everything it costs to hold$3,257.19
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 RIGHT AT HOME REALTY. Listing data provided by the Toronto Regional Real Estate Board.