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1017 White Pine Road, Lake of Bays, ON P1H 2J6

3 beds · 2 baths · 1 kitchen · 9 rooms · 5 parking spaces · 1500-2000 sq ft · Laundry on the main level level · Detached
$1,995,000
Property tax
$7,000 / year

Set along the sought-after shores of Lake of Bays, this waterfront home offers over 152 feet of shoreline, a hard-packed sandy beach, deep water off the dock, and a double-slip boathouse. Completely rebuilt down to the studs and finished with modern-day comforts throughout, the home offers 3 bedrooms, 2 bathrooms, and turn-key four-season living with nothing left to do. Designed with both everyday living and entertaining in mind, the open-concept layout connects the sophisticated chef's kitchen, dining area, and generous living room. The kitchen features top-of-the-line appliances and is framed by breathtaking lake views from the window, while the dining area overlooks the water and walks out to the expansive deck. It's a natural setting for morning coffee by the lake, long lunches with family, and evenings gathered with friends. The living room is warm and inviting, centred around a wood-burning fireplace and expansive views of the water. The primary suite offers a walkout to the deck, a propane fireplace, and a beautifully finished ensuite with a glass-enclosed shower and large soaker tub. Two additional bedrooms provide comfortable space for family and guests. Outside, the shoreline is made for enjoying long summer days. The hard-packed sandy beach creates an easy, level waterfront for swimming, wading, playing, and relaxing by the lake. The double-slip boathouse and deep water off the dock make getting out on Lake of Bays effortless, while the expansive deck provides the perfect setting to gather and enjoy the water. The setting is quiet and serene, yet conveniently located with easy year-round access to Huntsville and Baysville. Enjoy the privacy and pace of waterfront living without sacrificing convenience. The major work is done. All that's left is to enjoy the lake, gather with family and friends, and embrace the Muskoka lifestyle in every season.

MLS number
X13712806
Type
Detached
Status
Active
Bedrooms
3
Bathrooms
2
Postal code
P1H 2J6
Photos
38
Laundry
Main Level level
17days · 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.

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.

The market around this home

Detached houses in Lake of Bays — 140 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
$585k$1.30M$2.02M20252026this home’s asking price
$889klatest quarter · hover to read any
Sold vs askingAbove 100% means bidding wars were normal
94%97%100%20252026the asking price
96%latest quarter · hover to read any
Days to sellMedian days on market before the deal closed
-1d33d66d20252026
27dlatest 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 lake of bays. 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 645 people.

$103,000Median household income
92.9%Own their home
100%Detached houses
59.6Median age
14%Born outside Canada
29.4%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35440165 — the few blocks around this address, home to 645 people. It describes the area, not this property.

645Population
53.9Average age
2.1Household size
$143,000Average household income
$103,000Median household income
93%Own their home
7%Rent
0%Condominiums
14%Born outside Canada
29%University degree
$1,520,000Average home value
6%Low income
80%Not in the labour force
16%Never married
$20,000 to $24,9991%
$25,000 to $29,9992%
$40,000 to $44,9991%
$45,000 to $49,9993%
$50,000 to $59,9998%
$60,000 to $69,9993%
$70,000 to $79,9993%
$80,000 to $89,9993%
$90,000 to $99,9994%
$100,000 and over34%
$100,000 to $124,99910%
$125,000 to $149,9999%
$150,000 to $199,9997%
$200,000 and over11%

Percentages are of the 455 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.

$399,000 · minimum here is $399,000
$8,833.43per month
Borrowed before insurance$1,596,000
Total borrowed$1,596,000
Interest over 25 years at 4.5%$1,054,029

If you rented it out

-$9,416.76per month out of pocket
Rent$0.00
Everything it costs to hold$9,416.76
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 CV Real Estate. Listing data provided by the Toronto Regional Real Estate Board.