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21 Big Rock Road, Georgian Bay, ON L0K 1S0

4 beds · 2 baths · 1 kitchen · 6 rooms · 4 parking spaces · 1100-1500 sq ft · Laundry on the main level level · Detached
$1,295,000
Property tax
$4,928 / year

Welcome to 21 Big Rock Road on beautiful Six Mile Lake, where quiet mornings, long lake views, and endless sunshine create the perfect cottage escape. Nestled in a peaceful bay, this property enjoys stunning views over the lake, dotted with picturesque islands and classic Canadian Shield scenery. With all-day sun, you'll have the perfect spot to enjoy everything from your morning coffee on the dock to evenings watching the light dance across the water.The cottage is ready to enjoy just as it is, while also offering plenty of opportunity to update or renovate over time to suit your own style. One of its most special features is its location right at the water's edge, allowing the lake views to become part of everyday life. Whether you're relaxing inside or out on the deck, the water always feels just a few steps away.Recent updates to the kitchen and bonus room bring a fresh, modern feel while maintaining the warm character of a traditional family cottage. It's an inviting space that's equally suited for quiet weekends or gathering with family and friends.At the shoreline, the gradual, shallow entry makes getting into the water easy and enjoyable for all ages before transitioning to deeper water off the dock for swimming and boating. It's the kind of waterfront families appreciate and kids will remember for years to come.Whether you're looking for a cottage to start enjoying this summer or a property with room to make it your own, 21 Big Rock Road is a wonderful opportunity to experience everything Six Mile Lake has to offer.

MLS number
X13553766
Type
Detached
Status
Active
Bedrooms
4
Bathrooms
2
Postal code
L0K 1S0
Photos
32
Laundry
Main Level level
64days · 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

Where this address sits, matched against open government data.

Matched to a published address point for this address.

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.

This neighbourhood

Statistics Canada 2021 Census, for the surrounding few blocks — about 1,155 people.

$92,000Median household income
94.3%Own their home
98.1%Detached houses
59.2Median age
11.9%Born outside Canada
24.8%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35440275 — the few blocks around this address, home to 1,155 people. It describes the area, not this property.

1,155Population
53.4Average age
2.1Household size
$147,000Average household income
$92,000Median household income
94%Own their home
6%Rent
3%Condominiums
12%Born outside Canada
25%University degree
$988,000Average home value
11%Low income
100%Not in the labour force
18%Never married
Under $5,0001%
$5,000 to $9,9991%
$10,000 to $14,9991%
$15,000 to $19,9991%
$20,000 to $24,9991%
$25,000 to $29,9991%
$30,000 to $34,9991%
$35,000 to $39,9992%
$40,000 to $44,9993%
$45,000 to $49,9993%
$50,000 to $59,9993%
$60,000 to $69,9996%
$70,000 to $79,9996%
$80,000 to $89,9994%
$90,000 to $99,9995%
$100,000 and over30%
$100,000 to $124,9997%
$125,000 to $149,9995%
$150,000 to $199,9998%
$200,000 and over10%

Percentages are of the 790 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.

$259,000 · minimum here is $104,500
$5,733.98per month
Borrowed before insurance$1,036,000
Total borrowed$1,036,000
Interest over 25 years at 4.5%$684,194

If you rented it out

-$6,144.65per month out of pocket
Rent$0.00
Everything it costs to hold$6,144.65
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 Royal LePage Lakes Of Muskoka - Clarke Muskoka Realty. Listing data provided by the Toronto Regional Real Estate Board.