4298 Plum Point Road W, Ramara, ON L3V 0P8
- Property tax
- $4,159 / year
WELCOME TO YOUR PRIVATE LAKE SIMCOE RETREAT! Set on approx.100 feet of beautifully rebuilt granite-boulder shoreline, this extensively renovated waterfront home offers approximately 3,500 sq. ft. of bright, open-concept living space with breathtaking lake views and exceptional flexibility for family living, entertaining & hosting guests. Expansive windows and sliding patio doors fill the home with natural light, creating a seamless connection to the outdoors. The thoughtfully designed layout features 6 bedrooms, 2 kitchens, and 3 bathrooms. The main level offers a spacious living area, a full kitchen with new stainless steel appliances, an oversized bedroom for two queen beds, and an updated 3-piece bath. Upstairs, the quartz kitchen with new appliances opens to a sun-filled dining area surrounded by windows, a generous living room overlooking the lake, three king-sized bedrooms, and an updated 4-piece bath. The third level features two additional bedrooms, a powder room, and a private balcony with spectacular waterfront views. Step outside to your lakeside paradise featuring an approx. 500 sq.ft. semi-wraparound deck, a sheltered outdoor living area, a 30-foot aluminum dock with cedar decking, a stone fire pit, mature trees, and landscaped grounds extending to the water's edge. Extensively renovated throughout in 2025/2026, the home features new windows and doors, updated electrical & plumbing, modern trim, pot lights, a refreshed exterior, a paved driveway, new fencing, a retaining wall, granite pavers, and a covered front porch. This waterfront home offers multiple entrances, abundant space, and potential for licensed seasonal rental use. Whether you're searching for a year-round waterfront home or a four-season family cottage, this exceptional Lake Simcoe retreat is just 1 hour and 20 minutes from Toronto, offering the perfect escape without the long drive & a lifestyle where every sunrise, every sunset, and every season becomes a memory worth sharing.
- MLS number
- S13562824
- Type
- Detached
- Status
- Active
- Bedrooms
- 6
- Bathrooms
- 3
- Postal code
- L3V 0P8
- Photos
- 50
- Laundry
- Main Level level
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.
Rooms
11 rooms as the listing brokerage filed them, with measurements.
Second
| Room | Size | Features |
|---|---|---|
| Kitchen | 6.50 × 4.80 m | Combined w/Dining · Backsplash · Laminate |
| Living Room | 7.30 × 6.30 m | Fireplace · Window · Laminate |
| Bedroom 2 | 4.30 × 3.30 m | Closet Organizers · Window · Laminate |
| Bedroom 3 | 3.40 × 3.30 m | Closet Organizers · Window · Laminate |
| Bedroom 4 | 3.40 × 3.30 m | Closet Organizers · Window · Laminate |
Third
| Room | Size | Features |
|---|---|---|
| Bedroom 5 | 5.30 × 3.30 m | Closet Organizers · Window · Laminate |
| Den | 3.70 × 3.30 m | Window · Laminate |
Flat
| Room | Size | Features |
|---|---|---|
| Kitchen | 5.70 × 4.30 m | Combined w/Dining · Backsplash · Tile Floor |
| Living Room | 8.30 × 6.90 m | Combined w/Dining · Window · Tile Floor |
| Primary Bedroom | 6.30 × 3.50 m | Closet Organizers · Window · Laminate |
| Laundry | 3.40 × 2.10 m | B/I Shelves |
Property details
As filed by the listing brokerage. Anything the board left blank is left out rather than shown as unknown — and none of it is guaranteed accurate by PropTx, so verify what you rely on.
Property
- Type
- Detached
- Style
- 2 1/2 Storey
- Class
- Residential Freehold
- Fronting on
- West
- Community
- Rural Ramara
- Municipality
- Ramara
- Cross street
- HWY12 & PLUM POINT RD
Inside
- Bedrooms
- 6
- Bedrooms above grade
- 5
- Bathrooms
- 3
- Washrooms
- 1 on the main floor · 1 on the second floor · 1 on the third floor
- Kitchens
- 2
- Rooms above grade
- 10
- Family room
- Yes
- Fireplace
- Yes
- Basement
- None
- Laundry
- Main Level
- Size
- 3000-3500
Building
- Construction
- Aluminum Siding, Brick
- Roof
- Asphalt Shingle
- Foundation
- Concrete, Slab
- Other structures
- Fence - Partial, Shed, Storage
Parking
- Covered spaces
- 0
- Driveway spaces
- 6
- Total parking
- 6
- Features
- Available, Front Yard Parking, Private, Private Triple
Land
- Lot
- 103.07 × 67 feet
- Shape
- Irregular
- Waterfront
- Yes
- Pool
- None
Heating, cooling and services
- Heating
- Forced Air
- Heat source
- Propane
- Cooling
- Central Air
- Water
- Well
- Sewer
- Septic
- Electricity
- Yes
- Gas
- Yes
- Cable
- Yes
Features
- Property
- Cul de Sac/Dead End, Fenced Yard, Hospital, Marina, School, Waterfront
- Interior
- Carpet Free, Guest Accommodations, Other, Primary Bedroom - Main Floor, Propane Tank, Storage, Storage Area Lockers, Water Heater Owned, Water Purifier, Water Treatment
- Exterior
- Deck, Fishing, Landscaped, Lighting, Patio, Paved Yard, Privacy, Porch, Year Round Living
Listing
- MLS number
- S13562824
- Status
- Price Change
- Previous status
- New
- Listed on
- 2026-07-14
- Expires
- 2026-10-30
- Taxes
- $4,159 (2026)
- Board
- Toronto Regional Real Estate Board
Listing history
No previous listings found for this address.
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.
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.
Other schools nearby
By distance from this address, not school boundary — a school 400 m away can be in another school’s attendance area.
| School | Level | Distance | Rating |
|---|---|---|---|
| Uptergrove Public School Simcoe County DSB | Elementary | 1.8 km | / 10 60% 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
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 Ramara — 237 sales over the last five years. Too few sold in this community to chart it on its own, so this is the whole city.
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 ramara. 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 722 people.
The neighbourhood, by the census
Statistics Canada 2021 Census for dissemination area 35431242 — the few blocks around this address, home to 722 people. It describes the area, not this property.
Percentages are of the 445 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.
If you rented it out
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.