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4654 Mcneil Street, Ramara, ON L3V 0M9

3 beds · 1 bath · 1 kitchen · 6+3 rooms · 4 parking spaces · 700-1100 sq ft · Detached
$679,000
Property tax
$2,801 / year

Welcome To 4654 McNeil Street - A Private Retreat Where Nature, Comfort, And Opportunity Meet. Tucked Away On A Rare 139' x 165' Premium Lot Embraced By Mature Trees And Lush Greenery, This Charming Bungalow Delivers The Peaceful, Low-Maintenance Lifestyle So Many Are Searching For And So Few Ever Find. Inside, A Bright And Welcoming Layout Unfolds With Three Generous Bedrooms, A Spacious Kitchen And Dining Area, And An Impressive Living Room Anchored By A Stunning Oversized Picture Window - A Signature Feature That Bathes The Home In Natural Light And Frames The Greenery Beyond Like Living Artwork.Step Out To The Beautiful Back Deck And Start Your Mornings With Coffee In Complete Tranquility, Sheltered By Towering Trees And Total Natural Privacy. This Is The Kind Of Setting That Turns Everyday Moments Into A Getaway. The Walk-Out Lower Level Is A True Showstopper - Sun-Filled, Warm, And Brimming With Possibility. Picture A Family Room, Home Theatre, Or Entertainer's Lounge, All Centred Around A Cozy Gas Fireplace Made For Winter Evenings And Lasting Memories. Meticulously Maintained And Thoughtfully Upgraded, The Home Features A Brand-New 200-Amp Electrical Panel Ready For EV Charging, A Workshop, Or Whatever Your Future Holds - Plus A Roof Replaced Approximately 10 Years Ago. An Attached Garage And Two Large Garden Sheds Handle All Your Storage With Ease.Best Of All? You're Just 5 Minutes From A Stunning Waterfront Park And Beach, And 7 Minutes From Every Amenity Orillia Offers - All In A Coveted Enclave Of Newer Luxury Homes That Reflects The Area's Rising Value And Prestige.If You've Been Waiting For A Home That Lets You Slow Down, Breathe Easy, And Truly Feel At Home - This Is The One!

MLS number
S13709572
Type
Detached
Status
Active
Bedrooms
3
Bathrooms
1
Postal code
L3V 0M9
Photos
42
Laundry
Not in the unit
18days · 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 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.

Median sold priceWhat comparable homes actually sold for
$600k$741k$883k20252026this home’s asking price
$788klatest quarter · hover to read any
Sold vs askingAbove 100% means bidding wars were normal
96%98%100%20252026the asking price
96%latest quarter · hover to read any
Days to sellMedian days on market before the deal closed
-1d16d33d20252026
29dlatest 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 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.

$98,000Median household income
98.4%Own their home
96.7%Detached houses
53.2Median age
12.6%Born outside Canada
19.4%University degree

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.

722Population
48.1Average age
2.4Household size
$105,000Average household income
$98,000Median household income
98%Own their home
2%Rent
0%Condominiums
13%Born outside Canada
19%University degree
$725,000Average home value
5%Low income
68%Not in the labour force
22%Never married
$20,000 to $24,9991%
$25,000 to $29,9992%
$30,000 to $34,9992%
$35,000 to $39,9992%
$40,000 to $44,9992%
$45,000 to $49,9992%
$50,000 to $59,9994%
$60,000 to $69,9994%
$70,000 to $79,9996%
$80,000 to $89,9994%
$90,000 to $99,9993%
$100,000 and over34%
$100,000 to $124,9998%
$125,000 to $149,99910%
$150,000 to $199,9999%
$200,000 and over4%

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.

$135,800 · minimum here is $42,900
$3,006.47per month
Borrowed before insurance$543,200
Total borrowed$543,200
Interest over 25 years at 4.5%$358,740

If you rented it out

-$3,239.88per month out of pocket
Rent$0.00
Everything it costs to hold$3,239.88
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.