Cayman Marshall International Luxury & Lifestyle - March 2021 by Cayman Marshall Magazine

MARCH 2021

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A NOTE FROM THE EDITORS

The return of spring is always a time of anticipation. As the last of the snow recedes and the lakes open up again, there’s a real feeling of renewal and rebirth across our beautiful region.

Todd Adair*

President Sales Representative

Traditionally, spring is also a time when the real estate industry gears up for another busy season, but it’s safe to say the last few seasons have not followed any traditional model that I can recall. In fact, the last twelve months set a record for Cayman Marshall – capping off an astonishing $2 billion in sales since the company was first launched in 2012. And this year looks equally recordbreaking: we are projecting sales may actually blast through the half-billion mark. The momentum shows no signs of stopping soon! With such high demand, it’s entirely

As we head into spring at last, many of us are considering all the work we want to complete for the upcoming cottage season. Our March digital issue showcases businesses all over Muskoka that are ready to help with all of your lake home needs. From insulation and drywall experts at BASK to design and décor inspiration from Urban Rustic Living, we have all you need to make your lake house the retreat of your dreams.

possible that at least some of the more desirable listings may experience the same phenomenon that Toronto and other urban markets have faced: bidding wars. That’s when having an experienced realtor in your corner can be your greatest ally. In this issue, one of our top sales representatives, Dave Bemmann, offers some sensible advice on how to survive a bidding war without losing your head (or your shirt!). Thanks as always to our capable editorial team for putting together another great digital issue, with our up-to-the minute collection of the most luxurious real-estate listings in the region. It’s tailor-made for scrolling through as you relax on the deck, enjoying those first rays of warm spring sunshine!

Can’t get to your cottage this summer? Give our Lucrative Lake House article a read, to learn more about the many benefits of renting out your cottage, and how Cayman Marshall can market your property to the right platforms. Hope you can make it up north this year. But if not, I hope you enjoy our monthly digital magazines, and that they’ll inspire you to look into buying your own piece of Muskoka!

Kallan Koch Chief Editor

4 MARCH 2021 ■

Cayman Marshall International Realty Inc., Brokerage caymanmarshall.com ■ Sales Representative* Broker & Broker of Record**

CAYMAN MARSHALL

THE COLLECTION

MARCH 2021 EDITORS Todd Adair* Kallan Koch Lauren Lowe ART DIRECTOR Kelsey Kennerell GRAPHIC DESIGNER Cathryn Haynes PHOTOGRAPHERS Andre Carriere Michael Cooper Micheal Muraz Mark Wilson ADVERTISING DIRECTOR Kallan Koch CONTRIBUTORS Todd Adair* Martha Uniacke Breen David Lasker Gerald Levitch Sarah Pountney* Charlie Vanderpol* Tim Winegard Published in Canada FOR ADVERTISING INQUIRIES PLEASE EMAIL info@caymanmarshall.com caymanmarshallcollection.com All square footages are approximate. Some square footages include living space in the lower level. Information is subject to errors and omissions. Not intended to solicit properties currently for sale.

Bask Insulation WHY INSULATION IS YOUR BEST INVESTMENT

Cayman Marshall International Realty Inc., Brokerage www.caymanmarshall.com Sales Representative* Broker & Broker of Record**

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Enviroshake has been servicing the Muskoka market for over 20 years, and our products are designed to offer superior performance in the Canadian climate. All Enviroshake products can withstand wind speeds up to 290 km/h, are impact & hail resistant, fire retardant, not damaged by freeze/thaw, and are mould, mildew and insect resistant.

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TABLE OF CONTENTS

MUSKOKA TREE SOLUTIONS

Preserving Paradise

COVER STORY

REAL ESTATE

F RO M S N O W D R I F TS … TO W H I T E S A N D B E AC H E S

DAV E B E M M A N N

R E N TA L L I ST I N G S

T H E LU C RAT I V E LAKE HOUSE

B A S K I N S U L AT I O N

Hidden Comfort: Why Insulation is Your Best Investment

IN THIS ISSUE 8 M U S KO K A T R E E S O LU T I O N S

Preserving Paradise: PreDevelopment Considerations for Cottage Country

Why You Need An Experienced Agent, Now

The Cottage That Pays You Back

M U S KO K A L I ST I N G S

O W N YO U R O W N P I EC E O F M U S KO K A H I STO RY

PRESERVING PRE-DEVELOPMENT CONSIDERATIONS FOR COTTAGE COUNTRY By Tim Winegard of Muskoka Tree Solutions

The preservation of Muskoka’s forests and wildlife is crucially important for our ecosystem, and it is up to us to consider ways we can limit the negative impact on the environment. As an abundance of new builds are on the rise, Muskoka Tree Solutions identifies an important stage to consider before breaking ground.

he waterways, forests, and wildlife of the Muskoka region captivated artists like the Group of Seven and Robert Bateman. Their artistic depictions of this rugged, wild area have woven themselves into the regional and broader cultural landscape, attracting generations of Canadian and international travellers to the region. Many visitors come for a chance to wake up to the eerie call of loons on the lake, to listen to the wind flowing through the needles of towering pines, or to glimpse a rare eastern wolf as it pads across the frozen lake and disappears into the trees. These visions of Muskoka have inspired many of us to not only visit the area but to purchase, rent and develop cottage properties.

Developing a home or cottage property from the ground up is a dream come true for many, providing a sense of accomplishment and pride of ownership that can be hard to match. However, the process also comes with a number of challenges as we try to balance the practical, financial and environmental pressures of a new build. For example, do you work to preserve as many trees throughout the build process as possible, or clear the land for a blankslate building area and plant afterwards? Every alternative comes with merits and drawbacks. Nonetheless, a diverse range of services exist in the region to help would-be developers make informed decisions prior to turning the ground.

Muskoka Tree Solutions works with homeowners and developers to identify trees of significance, with regard to their structure and function within the broader forested landscape. Our professional arborist services can help avoid unnecessary setbacks and reduce future expenses by developing detailed tree preservation and removal plans prior to clearing the building site.

resistance to disease, visual aesthetics and function within the ecosystem, and 2) develop a preservation plan to ensure that high-value trees are not negatively impacted during the development phase of the project. Ultimately, this leads to fewer unexpected future expenses for tree care on the property.

Two overarching goals of this process are to: 1) identify trees that are of high value with regard to their longevity, structure,

The native trees of the Muskoka region have individual attributes that lend to their overall value for preservation

TREE VALUE

during the cottage development process. Maple, oak, pine, birch and hemlock are long-lived species that can provide valuable shade and wind protection to the cottage, food and shelter for wildlife, and aesthetic value to the cottage environment. Poplar, white spruce and balsam fir offer great aesthetic value but can pose shorterterm risks, as their growth rate and susceptivity to disease constrain their overall longevity. The process of working with an arborist provides peace of mind if one chooses to preserve tree species

MARCH 2021 9 ■

adjacent to the building site. By considering not only the more desirable species to be selected but also their individual structures and growth forms, your preservation plan can contribute significantly to reducing future expenses in tree maintenance or replanting, while increasing the health and safety of your cottage property. BREAKING GROUND Before development begins, consider how close is too close. For example, a tree’s root system can extend beyond the reach of its canopy branches. As a result, roots can impact foundations, underground utilities or be inadvertently damaged during the development process. This leads to a decline in the health of the tree, higher maintenance costs and ultimately a reduced life expectancy. White pines shed their needles twice a year, which can lead to needle buildup on roofs, sap droplets on outdoor furniture, and the potential for winter ice damming if needles are not removed before winter. Hemlocks provide great shade and aesthetic value, but are easily snow- and wind-loaded, which can lead to branch and trunk failures. In this case, they are often best preserved on the predominately leeward side of the building site. Despite these examples, many of these species live healthy productive lives for decades, or even centuries when their growth patterns and physical structure allow. After all, if we removed all the trees that could potentially impact our property infrastructure, there would be little left of our cottage community forests. As a result, it is important to make informed decisions on which trees should remain or be removed prior to the build.

fter trees to be preserved have been selected, it is imperative, prior to equipment and materials arriving on site, to develop exclusion zones around high-value trees to help prevent damage to both the trunks and root systems of the trees. Equipment or materials parked or placed on these expansive root systems can lead to soil compaction, which manifests itself in tree decline often years after the build. Arborists work with developers throughout the process to ensure that measures are taken to preserve these trees so that a newly built home or cottage fits immediately and neatly into the broader forested landscape.

10 MARCH 2021 ■

That being said, removing, pruning and replanting trees may all still be a necessary part of the phases of development.

Many of us feel developer’s guilt for the removal of trees for the building site, driveway and cottage infrastructure, but an arborist can help balance the impact by encouraging habitat preservation along the shoreline, and by advising how you can seasonally manage the gardens and forest on your property for wildlife and long-term health.

Ultimately for many of us, developing a dream home or cottage is a once-in-alifetime opportunity. Making informed decisions by consulting with professional arborist services like Muskoka Tree Solutions (muskokasolutions.com) reduces uncertainty and increases the enjoyment of the process. We encourage you to reach out and start the discussion.

For more information, contact Tim Winegard from Muskoka Tree Solutions at 705-388-TREE or email timothywinegard@gmail.com

MARCH 2021 11 ■

THIS IS BOATING COUNTRY

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From Snow Drifts… to White Sand Beaches By Sarah Pountney Imagine for a moment that you gaze out your window on a cold January afternoon. But instead of drifting snow and bare trees shivering in a bitter wind, the scene dissolves to palm trees swaying gently in a warm Caribbean breeze, crystalline blue water, and a white sand beach that seems to stretch for miles and miles. You’re not dreaming. You’re at your private residence in a brand-new, Canadian-developed beachside condominium, located in one of the most historic and highly desirable areas of the Bahamas. Cayman Marshall has joined with one of Canada’s most prestigious developers to offer an exclusive opportunity to be part of a unique resort community, located right on the beach in an area known as the “Riviera of the Bahamas,” just a short ride from the Nassau airport and minutes from downtown.

14 MARCH 2021 ■

STARTING AT $585,000 USD

“We wanted to be part of this opportunity because we felt our clients would be attracted by the fact that it’s a Canadian developer, a Canadian design team, and of course, they’d be working with Cayman Marshall, which is a Canadian real estate brokerage,” says Cayman Marshall CEO Todd Adair. “Plus, it’s rare to find such a prime opportunity in this location that’s so attractively priced, and that offers investment potential as well." The new development combines luxury boutique hotel living with a number of exclusive beachfront residences. It’s located within walking distance of the largest casino in the Caribbean, as well as a world-class golf course and over two dozen fine restaurants. The vibrant city of Nassau is just a short distance away, for downtown strolling and shopping. Paradise Island and other local points of interest are all at your doorstep.

The design team is also all-Canadian, who have earned international reputations for quality and cutting-edge vision. Architecture is by Makow Architects, a Toronto-based team of talented architects and designers led by principal architect Stan Makow. The design philosophy of the firm holds that well-executed architecture evolves from an interior layout, where spaces flow naturally from one to another. Interior design is by the well-respected HOK, whose design shows the influences of the unique natural beauty of the Bahamas, infusing local cultural cues with breathtaking contemporary design.

Private condominiums range from studios to one-, two- and three-bedroom suites, with all the luxuries of private beachside living. Amenities include an infinity pool that seems to pour right onto the beach, a fully equipped fitness centre and spa, theatre, and exclusive seaside dining, minutes away from the heart of downtown Nassau. But what makes the new development unique among some other properties in the area is that it offers a unique opportunity to not only enjoy your winter vacation home, but to provide a safe and productive investment when you are not occupying it. The developer has chosen to partner with Small Luxury Hotels of the World, which specializes in marketing and distribution for a key number of independent luxury hotels worldwide. Owners who choose to become part of this unique form of investment may occupy their residences for up to three months of the year, and let their property generate tax-free rental income for the balance of the year. Small Luxury Hotels of the World prides itself on selecting only the finest boutique hotel destinations. Their philosophy is that bigger isn’t always better, and that the experiences of a small boutique hotel provide a more personal touch that leaves a lasting impression on guests. The company carefully selects each hotel they partner with to celebrate its unique character and charm, with one common feature: a consistently high standard of luxury and quality.

"It’s rare to find such a prime opportunity in this location that’s so attractively priced, and that offers investment potential as well." SLHW manages the program and handles all the details, providing full transparency to owners through its online registration system, along with a very generous return. The program gives you maximum use and enjoyment of your Bahamas home without restrictions on usage or resort fees. More than ever, this is the year when the escape to a safe, luxurious and warm-weather destination will be more cherished – and more important – than ever. Speak to your Cayman Marshall representative to find out more about this truly golden investment destination, set within the crystal waters of the Caribbean.

16 MARCH 2021 ■

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Dave Bemmann: WHY YOU NEED AN EXPERIENCED AGENT, NOW By Martha Uniacke Breen

18 MARCH 2021 ■

ONE OF CAYMAN MARSHALL S TOP REALTORS SHOWS WHY KNOWING THE MARKET INTIMATELY CAN SPELL THE DIFFERENCE BETWEEN SUCCESS AND A COSTLY ERROR.

hen it comes to buying property in Muskoka these days, this is no time to take a chance on a realtor who may not have the experience to skilfully navigate a complex market. The time of year, an explosion in demand due to the pandemic, the greying of the Canadian population and a burgeoning desire for retirement and recreational property – all of these reasons and more have led to unprecedented competition and a true seller’s market, especially for the most desirable waterfront lots. Arming yourself with a realtor who knows the Muskoka market inside and out and has a real understanding of what properties are worth – and what matters most to you – is crucial. Dave Bemmann, a long-serving member of Cayman Marshall International Realty Ltd., is just such a realtor. “I grew up summering with a cottage in Muskoka” – specifically, the Foote’s Bay area – “so you could say I have 38 years of cottage experience," he laughs. But his expertise goes far beyond an intimate knowledge of the area’s geography. Dave was one of the pioneering graduates of Guelph University’s Real Estate Management business program, earning a B.Sc.Comm in the field. He also is very close to achieving his full AACI (Accredited Appraiser Canadian Institute) certification, the highest level of appraiser accreditation, and will be soon be qualified to appraise commercial, industrial and farm properties as well as residential property. And despite having not yet reached the age of forty, he has amassed over a decade and a half in the field, much of it right here in Muskoka. Dave’s career began in the Toronto area, working with large commercial clients and land developers, one of the most volatile areas of the GTA market. When the firm he was employed with closed down its Toronto offices, he retreated to his cottage to plan his next move. For this Muskoka native, moving into selling real estate in the area he knew so well made perfect sense. Dave joined Cayman Marshall in 2014, and was instrumental in opening the Port Carling branch shortly after.

MARCH 2021 19 ■

DAVE WIDENS THE LENS – POINTS OUT THINGS YOU MIGHT NOT LOOK AT OR UNDERSTAND, AND PROVIDES A GOOD PERSPECTIVE ON WHAT THE ADVANTAGES AND DISADVANTAGES OF A PROPERTY MIGHT BE."

uying property is almost always an emotional process, he observes. That’s why a good realtor’s most important job is to take a realistic view of the business of buying (as well as, of course, selling) property, and to keep you from getting in over your head. “We can see what the maximum value of a property is now, and what it will be later after you’ve built on it. So we will protect you from making more of an investment than you really should.” Dave’s expertise and experience were instrumental in one family’s recent purchase by of a waterfront cottage on one of the Big Three lakes. “We’d been looking for a long time, and Dave helped us find the perfect property,” says the buyer, Andrea J. “He had a great grasp of the properties we looked at, especially the technical aspects,” which most buyers may not see. “Dave widens the lens – points out things you might not look at or understand, and provides a good perspective on what the advantages and disadvantages of a property might be,” she continues. “He knows where a boat can go, the sun angles to a property, how busy the waterway is, and so on.” Most important for buyers who may be undergoing an expensive, nerve-wracking process, “He’s a really nice guy. He provides a balanced approach, calm and patient during [what can be] a stressful life decision.”

20 MARCH 2021 ■

Says Dave, “I know the waterways and understand the lake system in Muskoka. When I recommend a property to a buyer, I want them to know and truly understand why it’s the best deal for them. I wouldn’t tell someone to buy a property I wouldn’t buy myself.”

TALES OF THE BIDDING WARS In some parts of Muskoka, competition for the most desirable properties has led to the first glimmers of a phenomenon previously restricted to volatile markets like Toronto: bidding wars. Dave Bemmann offers a few secrets to success in a bidding war (or a property that may undergo one): 1. SET THE BUDGET: Make sure you have your financials well in order before you start. Get preapproved for a mortgage, and be well aware of ancillary costs like taxes, utilities, etc., so you have a clear idea of your budget in advance. 2. CLEANER OFFERS: In the city, conditional offers are often rejected out of hand, and Dave foresees that this may soon be the case in Muskoka as well. One solution is to bring a home inspector with you when you tour the property, who can at least give you a general idea of the condition of the property and any future problems you might not notice, such as an out-of-date septic system or overgrown trees. 3. IDENTIFY A PROPERTY’S TRUE MAXIMUM VALUE: Ascertain the property’s actual and future worth. Knowing its value relative to similar properties in the area, and its potential value once you’ve built a cottage, will keep you from making an emotional decision in a hot market. Making your bid stand out in the first round can often be the key to sealing the deal. Here are a few bidding tips: 1. A CONFIDENT OFFER: Offer as big a deposit as you can afford; this shows that you are serious. 2. STRENGTHEN YOUR OFFER: Avoid conditions if you can, which can give the opposite impression. 3. PUT YOUR BEST FOOT FORWARD: Make your first bid as accurate as possible, taking into account your budget and what the property is actually worth. 4. SET A PLAN: Be prepared to walk away if the bidding goes higher than you are comfortable with, no matter how keen you are to buy. Buying a property, especially a recreational property, is an emotional process, and it’s the agent’s job to protect you – even if it means passing up a sale.

MARCH 2021 21 ■

CAYMAN MARSHALL – LUXURY COTTAGE RENTALS M.CAYMANMARSHALL.COM/SEARCH/RENTALS

LEADERS IN MUSKOKA

LUXURY COTTAGE RENTALS

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270 FT., 2 ACRES, NORTHEAST EXPOSURE, 4 BEDROOMS, 3+1 BATHS – SILVER LAKE

Cayman Marshall International Realty Inc., Brokerage m.caymanmarshall.com/search/rentals or Find us on Instagram

$12,000/WEEK

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CAYMAN MARSHALL – LUXURY COTTAGE RENTALS M.CAYMANMARSHALL.COM/SEARCH/RENTALS

FAMILY COTTAGE, 6 BEDROOMS, 2.5 BATHS – LAKE MUSKOKA

$14,000/WEEK

LAKE ROSSEAU RENTAL, 4 BEDROOMS, 3 BATHS – LAKE ROSSEAU

$14,000/WEEK

Cayman Marshall International Realty Inc., Brokerage m.caymanmarshall.com/search/rentals or Find us on Instagram

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CAYMAN MARSHALL – LUXURY COTTAGE RENTALS M.CAYMANMARSHALL.COM/SEARCH/RENTALS

KAHSHE LAKE PARADISE, 6 BEDROOMS, 3+1 BATHS – KAHSHE LAKE

$15,000/WEEK

MUSKOKA HIDEAWAY, 3 BEDROOMS, 4 BATHS – LAKE MUSKOKA

$16,000/WEEK

Cayman Marshall International Realty Inc., Brokerage m.caymanmarshall.com/search/rentals or Find us on Instagram

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CAYMAN MARSHALL – LUXURY COTTAGE RENTALS M.CAYMANMARSHALL.COM/SEARCH/RENTALS

RUSTIC PRIVATE ESCAPE, WEST EXPOSURE, 5 BEDROOMS, 4 BATHS – BLANCHARD LAKE

$17,000/WEEK

DEER LODGE, NORTHEAST EXPOSURE, 6 BEDROOMS, 6 BATHS – LAKE JOSEPH

$18,000/WEEK

Cayman Marshall International Realty Inc., Brokerage m.caymanmarshall.com/search/rentals or Find us on Instagram

SPRAY FOAM, BLOWN-IN INSULATION, DRYWALL ALSO SERVICING ISLAND PROPERTIES

705-765- 0123

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BAS K IN S U L AT ION . CA

BEL AIR OF MUSKOKA, SOUTHWEST EXPOSURE, 8 BEDROOMS, 6 BATHS – LAKE OF BAYS

$20,000/WEEK

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$20,000/WEEK

CAYMAN MARSHALL – LUXURY COTTAGE RENTALS M.CAYMANMARSHALL.COM/SEARCH/RENTALS

ROCKLEA TIMBER DREAM, SOUTH EXPOSURE, 5 BEDROOMS, 4 BATHS – PARRY SOUND

Cayman Marshall International Realty Inc., Brokerage m.caymanmarshall.com/search/rentals or Find us on Instagram

YOUR SLICE OF

njoy this private, oceanside house that boasts a pristine, secluded beach and a spectacular view of the Bahamian, turquoise ocean. Conveniently located on Tar Bay, just minutes from the airport and various amenities, this brand new, 5 bedroom, luxurious home offers you the vacation of your dreams. A mere 13m from the private beachfront, this spectacular home boasts over 5,500 square feet of relaxation space, professional-grade

appliances, high-end furnishings and mattresses for your ultimate comfort. Pull open the 10' high sliders to take in the tranquil sound and scenery of the ocean or to enjoy a refreshing dip in the private pool. The home's 14' ceilings and thoughtfullydesigned open concept offer an airy, spacious feel to accommodate up to 16 guests. A fully-outfitted chef's kitchen caters to your epicurean desires, or you can treat yourself to an evening of in-home private

catering (extra charge). Enjoy the outdoors any time of day with the fully enclosed porch area complete with power screens for ease of use and a stunning, shell stone travertine patio. Take in numerous, nearby attractions, dining, or boat tours to satisfy your adventurous spirit. Your vacation experience comes complete with an in-person greeting at the airport, a property tour, and a 24-hour concierge. Seaclusion is pure luxury in paradise.

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CAYMAN MARSHALL – LUXURY COTTAGE RENTALS M.CAYMANMARSHALL.COM/SEARCH/RENTALS

PARADISE AWAITS

Cayman Marshall International Realty Inc., Brokerage m.caymanmarshall.com/search/rentals or Find us on Instagram

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CAYMAN MARSHALL – LUXURY COTTAGE RENTALS M.CAYMANMARSHALL.COM/SEARCH/RENTALS

PARADISE AWAITS, 5,500 SQ.FT., 5 BEDROOMS, 5 BATHS – TAR BAY BAHAMAS

Cayman Marshall International Realty Inc., Brokerage m.caymanmarshall.com/search/rentals or Find us on Instagram

$20,000/WEEK

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CAYMAN MARSHALL – LUXURY COTTAGE RENTALS M.CAYMANMARSHALL.COM/SEARCH/RENTALS

4 SEASON COTTAGE, 4 BEDROOMS, 2.5 BATHS – LAKE MUSKOKA

$20,000/WEEK

MUSKOKA COTTAGE ON PRIVATE LAKE, 3 BEDROOMS, 3.5 BATHS – COOPER LAKE

$20,000/WEEK

Cayman Marshall International Realty Inc., Brokerage m.caymanmarshall.com/search/rentals or Find us on Instagram

THE LODGE AT PORTAGE POINT, 5 BEDROOMS, 5+2 BATHS – LAKE MUSKOKA

$29,000/WEEK

Cayman Marshall International Realty Inc., Brokerage m.caymanmarshall.com/search/rentals or Find us on Instagram

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$29,000/WEEK

CAYMAN MARSHALL – LUXURY COTTAGE RENTALS M.CAYMANMARSHALL.COM/SEARCH/RENTALS

LAKE MUSKOKA GETAWAY, 9 BEDROOMS, 6.5 BATHS – LAKE MUSKOKA

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CAYMAN MARSHALL – LUXURY COTTAGE RENTALS M.CAYMANMARSHALL.COM/SEARCH/RENTALS

DRIFTWOOD, SOUTHWEST EXPOSURE, 6 BEDROOMS, 6 BATHS – LAKE JOSEPH

$45,000/WEEK

Cayman Marshall International Realty Inc., Brokerage m.caymanmarshall.com/search/rentals or Find us on Instagram

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CAYMAN MARSHALL – LUXURY COTTAGE RENTALS M.CAYMANMARSHALL.COM/SEARCH/RENTALS

BEACHWOOD, 7 BEDROOMS, 7 BATHS – LAKE ROSSEAU

Cayman Marshall International Realty Inc., Brokerage m.caymanmarshall.com/search/rentals or Find us on Instagram

$45,000/WEEK

THE COTTAGE THAT PAYS YOU BACK 36 MARCH 2021 ■

uring the pandemic many international cottage owners are not able to use their property due to travel restrictions and closed borders. Renting out their cottage is a great way to offset expenses and make a passive income. The pandemic has affected many businesses; many may have lost money due to economic strife, so the opportunity to rent out a cottage may be a new source of income to weather difficult times. Passive income: by hiring Cayman Marshall to take care of all your marketing needs, to ensure the best return for each rental property, is a way to make an income that requires little work on the homeowner's end. Make your investment work for you: with real estate prices climbing, many who cannot afford purchasing have turned to renting cottages as an alternative. The idea of renting is becoming increasingly popular due to the cost of ownership and the inability to travel. TAX BENEFITS OF RENTING, SUCH AS AGENT FEES AND SERVICES – You can deduct expenses for any service you use to facilitate your rental business, such as hiring a property management company to collect rent for you.

PROPERTY MAINTENANCE AND REPAIRS – Some of the main expenses for your short-term rental are likely related to repairs and maintenance to keep it in good condition. Most of your repair and maintenance expenses are tax deductible, and they can include the cost of furnishing the rental, replacing windows, buying cleaning supplies, laundry costs, or any other expense related to maintaining your rental. UTILITY COSTS – As long as your rental agreement does not require your tenant to pay for Wi-Fi, gas bills, water, or electricity, you can deduct utility costs for your rental on your taxes. INSURANCE – You can add any insurance premiums you pay to protect your rental property to your list of applicable tax deductions. LOCAL SERVICE COSTS – Do you pay someone to plow the snow, clean the pool, or maintain the garden at your short-term rental? You can deduct all these expenses on your taxes. THE MORTGAGE ON THE PROPERTY – Any interest you pay on the mortgage for your short-term rental can be deducted from your taxes.

LEARN MORE BY VISITING https://propertyvalet.ca/property-management-services-blog/short-term-rental-taxdeductions-what-you-need-to-know/

MARCH 2021 37 ■

While cottag e country is blanketed in snow, let me help you uncover your cottag e dream! Good advice is not a moment in time 𐆑𐆑𐆑 𐆑𐆑 𐆑𐆑𐆑𐆑𐆑𐆑e in partnering to build a

long term mortg ag e advisor relationship with my clients. Whether you are purchasing your first property or your sixth, I take a holistic approach to

optimize a financing strateg y across all your real estate holding s. Please g ive me a call or reach out by email. I would be pleased to discuss your needs.

Martin Karens

MBA, CPA CMA

@MartinKarens.CIBCMA

705-389-1845 / 905-845-6945 martin.karens@cibc.com

CAYMAN MARSHALL – INTERNATIONAL LUXURY & LIFESTYLE M.SEARCHMUSKOKAREALESTATE.COM/SEARCH

L E A D E R S I N L U X U RY R E A L E S TAT E

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EXCLUSIVE WATERFRONT BUILDING LOTS, HUNTSVILLE CHAIN OF LAKES, CALL OFFICE FOR MORE DETAILS – LAKE VERNON

Cayman Marshall International Realty Inc., Brokerage m.searchmuskokarealestate.com/search or Find us on Instagram

$1,000,000

SOLD: PARRY SOUND

SOLD: LAKE ROSSEAU LAKE ROSSEAU

$895,000

PARRY SOUND

$949,000

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CAYMAN MARSHALL – INTERNATIONAL LUXURY & LIFESTYLE M.SEARCHMUSKOKAREALESTATE.COM/SEARCH

SOLD: BRANDY LAKE BRANDY LAKE

$1,195,000

SOLD: HUNTSVILLE HUNTSVILLE

SOLD: BIGWIND LAKE BIGWIND LAKE

$1,349,000

$1,195,000

SOLD: PENINSULA LAKE PENINSULA LAKE

$1,399,999

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HUNTSVILLE

$1,495,000

SOLD: FAIRY LAKE FAIRY LAKE

$1,498,000

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SOLD: HUNTSVILLE

SOLD: LAKE MUSKOKA LAKE MUSKOKA

$1,550,000

SOLD: LAKE MUSKOKA LAKE MUSKOKA

$1,779,000

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$1,589,000

SOLD: LAKE ROSSEAU LAKE ROSSEAU

$2,285,000

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MAIN FLOOR

CONTINUED ON NEXT PAGE GLENN BURNEY LODGE DEVELOPMENT, 12 UNITS – GEORGIAN BAY

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STARTING AT $1,695,000

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CONTINUED FROM PREVIOUS PAGE GLENN BURNEY LODGE DEVELOPMENT, 12 UNITS – GEORGIAN BAY

STARTING AT $1,695,000

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A STUNNING 98 ACRES, 9,034 SQ.FT., 6 BEDROOM, 8 BATHS GETAWAY JUST FOR YOU! – MUSKOKA LAKES

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$2,790,000

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OWN YOUR OWN PIECE OF

MUSKOKA HISTORY SLY FOX GOLF CLUB The first thing that greets you when your boat lands at the dock at Sly Fox Golf Club, at the southern entrance to the narrows separating the two bodies of Wahwashkesh Lake, is a plaque mounted on MacRae Rock, a sizable chunk of glacier-polished granite located on the shoreline. The plaque tells the story of two boys who lived, played and worked there more than 80 years ago. Their young lives ended tragically in August 1944, at the height of the fighting during World War II, when the two brothers died in action just one day apart. The younger brother, George Dougald MacRae, had joined the Royal Canadian Air Force, graduating as a pilot with the rank of flying officer. His older brother, Jamie Duncan MacRae, was a lance corporal in the Hamilton-based Argyle and Sutherland Highlanders infantry regiment. The Argyles landed in Normandy just in time to join an

Flying Officer George Dougald MacRae

Lance Corporal Jamie Duncan MacRae

Allied pincer movement, the “Falaise Gap” operation, mounted in midAugust 1944, which was designed to entrap a retreating German army. But in the heat of battle, Jamie MacRae was killed by enemy artillery fire – less than 24 hours after his brother went down in flames over Warsaw, a thousand miles away. Their home, the main lodge of the sportsmen’s resort, has stayed remarkably unchanged since the late 1930s and early 1940s, when as teenagers the two MacRae brothers guided the resort’s clientele to the best hunting in the nearby woods, and fishing in Wahwashkesh Lake, the largest freshwater lake in the Parry Sound district. While the resort still caters to hunting and fishing, the current owner, Herb Schmidt, has built a unique nine-hole executive golf course called the Sly Fox Golf Club. Sly Fox is the third golf course Schmidt has designed and built, and took more than six years

to complete. It features two miles of underground irrigation, capable of pumping 100 gallons per minute to service the sprinkler systems. The property, first developed in 1903, now consists of the 4,000sq.ft. main lodge with a large wraparound porch, nine individual cottages, eight finger docks, and roughly 2,400 feet of water frontage, encompassing nearly 40 acres on a peninsula, surrounded by Crown land and water. As the plaque says, “This memorial is located at the site of the MacRae Family Hunting and Fishing Lodge, known as ‘The Linger Long Lodge.’” The brothers made the ultimate sacrifice for peace and freedom. And today, we honour their memory. The plaque concludes: “This memorial is placed here by those for whom this lake is a very special place and who enjoy Lake Wahwashkesh Lake ‘in peace and freedom.’”

Monument MacRae

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2,400 FT., 40.25 ACRES, SOUTH EXPOSURE, 3,870 SQ.FT. MAIN LODGE WITH 9 OTHER CABINS ALONG WITH YOUR OWN PRIVATE GOLF COURSE – WAHWASHKESH LAKE

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$2,990,000

SOLD: LAKE OF BAYS

SOLD: LAKE MUSKOKA LAKE MUSKOKA

$2,295,000

LAKE OF BAYS

$2,349,000

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SOLD: GEORGIAN BAY GEORGIAN BAY

$2,390,000

SOLD: LAKE JOSEPH LAKE JOSEPH

SOLD: LAKE ROSSEAU

SOLD: LAKE OF BAYS LAKE OF BAYS

$2,499,000

$2,495,000

LAKE ROSSEAU

$2,585,000

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LAKE OF BAYS

$2,595,000

LAKE OF BAYS

$2,750,000

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SOLD: LAKE OF BAYS

SOLD: LAKE MUSKOKA LAKE MUSKOKA

$2,895,000

SOLD: LAKE MUSKOKA LAKE MUSKOKA

SOLD: LAKE OF BAYS

SOLD: FAIRY LAKE FAIRY LAKE

$3,100,000

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$3,100,000

LAKE OF BAYS

$3,195,000

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EXCLUSIVE 479 FT., 6.72 ACRES, 2,260 SQ.FT., 4 BEDROOMS, 3 BATHS – LAKE JOSEPH

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$3,695,000

SOLD: LAKE JOSEPH LAKE JOSEPH

$3,495,000

SOLD: LAKE JOSEPH LAKE JOSEPH

$3,495,000

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SOLD: LAKE ROSSEAU LAKE ROSSEAU

$3,495,000

SOLD: LITTLE LAKE JOSEPH LITTLE LAKE JOSEPH

SOLD: LAKE JOSEPH LAKE JOSEPH

$3,795,000

$3,695,000

SOLD: LAKE MUSKOKA LAKE MUSKOKA

$3,999,900

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$4,295,000

LAKE ROSSEAU

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SOLD: LAKE ROSSEAU

SOLD: LAKE MUSKOKA LAKE MUSKOKA

$4,495,000

SOLD: LAKE JOSEPH LAKE JOSEPH

SOLD: LAKE JOSEPH

SOLD: LAKE MUSKOKA LAKE MUSKOKA

$4,740,000

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$4,595,000

LAKE JOSEPH

$5,750,000

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EXCLUSIVE 360 FT., 5,343 SQ.FT., 3 ACRES, 5 BEDROOMS, 5 BATHS – LAKE JOSEPH RENDERED PHOTOS

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$6,495,000

SOLD: LAKE ROSSEAU $6,495,000

LAKE ROSSEAU

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SOLD: LAKE JOSEPH LAKE JOSEPH

$6,995,000

SOLD: LAKE MUSKOKA LAKE MUSKOKA

SOLD: LAKE ROSSEAU LAKE ROSSEAU

$7,195,000

$6,995,000

SOLD: LAKE ROSSEAU LAKE ROSSEAU

$7,395,000

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$7,495,000

LAKE MUSKOKA

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SOLD: LAKE MUSKOKA

SOLD: LAKE ROSSEAU

SOLD: LAKE JOSEPH LAKE JOSEPH

$7,995,000

LAKE ROSSEAU

SOLD: LAKE ROSSEAU

SOLD: LAKE JOSEPH LAKE JOSEPH

$15,995,000

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$7,995,000

LAKE ROSSEAU

$16,995,000

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EXCLUSIVE 310 FT., 5,000 SQ.F.T, 7 BEDROOMS, 5+2 BATHS – LAKE ROSSEAU

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$8,995,000

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EXCLUSIVE 300 FT., 2.27 ACRES, 5,958 SQ.FT., 6 BEDROOMS, 5 BATHS – LAKE JOSEPH

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$9,950,000

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EXCLUSIVE 497 FT., 6.5 ACRES, WEST EXPOSURE, 6,000 SQ.FT., 5 BEDROOMS, 6 BATHS – LAKE ROSSEAU RENDERED PHOTOS

$10,995,000

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EXCLUSIVE 1,092 FT., 40 ACRES, DEVELOPMENT PROPERTY, SOUTHWEST EXPOSURE, LOCATED ON PRIME – LAKE JOSEPH

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$13,995,000

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CONTINUED ON NEXT PAGE

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EXCLUSIVE STUNNING 470 FT., 9,000 SQ.FT., 6.22 ACRES, 5 BEDROOMS, 8 BATHS – LAKE JOSEPH

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$23,795,000

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CONTINUED FROM PREVIOUS PAGE

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EXCLUSIVE STUNNING 470 FT., 9,000 SQ.FT., 6.22 ACRES, 5 BEDROOMS, 8 BATHS – LAKE JOSEPH

Cayman Marshall International Realty Inc., Brokerage m.searchmuskokarealestate.com/search or Find us on Instagram

$23,795,000

Hidden

COMFORT: Why Insulation is Your Best Investment By David Lasker

You may not think much about insulation unless you are building or renovating. But it’s the only barrier between you and Muskoka’s harshest elements. That’s why, as BASK Insulation and Drywall's Simone Marsden explains, getting it right the first time is worth the investment.

68 MARCH 2021 ■

“How fathomless the mystery of the Unseen,” wrote Guy de Maupassant, master of the 19thcentury short story. For most of us, no aspect of homeownership is as unseen and mysterious as insulation. Yet getting it right will make a huge difference in comfort and lowering your heating and cooling costs; getting it wrong can prove costly to fix once the home is finished. “In our northern Muskoka climate, it’s important to keep condensation out and to regulate the temperature difference between inside and outside,” says Simone Marsden, general manager at BASK and an acting director on the Muskoka Builders’ Association Board. She is the “S” in the family-owned, Port Carling-based BASK Insulation and Drywall. BASK specializes in services to islands. “We have our own barge and tugboat, and that helps tremendously with scheduling and completing jobs on time,” she explains. “Our average spray-foam truck, a Ford F-550 with a 16-foot box on the back, costs over two hundred thousand dollars with equipment. When you have that going across a body of water that’s 250 feet deep at five knots, there’s a lot of liability and risk. You have to know what you’re doing. You have to watch the weather. You have to have a good team to support you.”

“In our northern Muskoka climate, it’s important to keep condensation out and to regulate the temperature difference between inside and outside.”

- Simone Marsden BASK GENERAL MANAGER

BASK also offers drywalling services like boarding and taping. “Contractors and homeowners are excited that we are doing drywall because it is naturally something that comes after insulation,” she says, pointing out it’s one less phone call and one less thing to think about logistically for the customer. Simone and her team decide how much insulation a project needs, depending on where it’s located – township bylaws vary – and whether the dwelling will be seasonal (meaning summer use only), three seasons (spring, summer and fall), or four seasons. Construction drawings will also specify required R-values. BASK’s in-house estimator ensures that

the buildings are insulated according to bylaws and construction documents, while also fullfilling the customer’s desired insulation requirements.

The higher the R-value, the greater the insulating effectiveness. The R-value depends on the type of insulation, its thickness and density.

Some seasonal dwellings may not call for insulation. “However,” she says, “we recommend always insulating for controlling moisture penetration into the building envelope. A four-season dwelling requires R60 insulation over a flat ceiling, R31 minimum over a vault or cathedral ceiling and R22 in walls; a three-season structure, with the water shut off in winter, falls somewhere in between.” Remember, insulation helps keep a cottage cool in summer as well as warm in winter. Insulation also helps save on energy costs. The “R” refers to R-value, a rating of an insulating material’s resistance to conductive heat flow.

Remember, insulation helps keep a cottage cool in the summer as well as warm in the winter. Insulation also helps save on energy costs. Ventilation is another factor in a wellinsulated home. “All these parts have to work together,” she says. “If you have an under-rated HVAC [heating, ventilation

and air-conditioning] system, then, yes, you’ll have condensation problems from cooking, doing laundry and even just from your breathing because the house is so tight. You need air exchange, even in your attic, for insulation to work properly.” There are three choices of insulation material, Simone explains. “Spray foam does it best. It makes the tightest seal.” The process combines two chemicals at the tip of a spray gun to create polyurethane foam that expands and solidifies in place. It insulates and seals gaps, and acts as a vapour barrier. The material sticks to concrete, wood and other surfaces and is sprayed into wall cavities, crawl spaces, onto roof tiles, under basement slabs, around footings and even around heating equipment such as duct work. “Spray foam is installed at 120 degrees under high pressure. We will only install it

in two-inch passes which allows it to cool properly.” All of BASK’s spray foam installers are licensed through a body called UFC, Urethane Foam Consultants, and are trained in how to install spray foam properly. Elastochem, BASK’s local chemical supplier out of Brantford, also ensures the products that BASK is installing are of the highest quality. As Simone says, “Between the guys at UFC, our supplier, Elastochem, and the guys working for us that are spraying foam, BASK really does have a great team to deliver an amazing product. We are proud to have a made-in-Canada solution.” For flat attics and cathedral ceilings, she often recommends the blownin-blanket system (BIBS), a method that blows loose-fill fibreglass insulation through a hose and out a nozzle into the cavity, behind fibre mesh netting attached to the studs, resulting in a seamless blanket of insulation. Both methods – spray foam and BIBS – are acceptable for use in Muskoka, as they both fill voids and air gaps around wiring, fixtures, and plumbing. That attribute is lacking with fibreglass batts, the third and cheapest method of insulation. (If you feel a cold draft in winter near your electric outlet covers, chances are your home was insulated with fibreglass batts.) In autumn, cottage owners are often plagued by invasive wildlife. Here, spray foam helps compensate for its higher initial cost by being mostly

critter-proof. “There’s nowhere for mice or squirrels to burrow in spray foam, because it cures to a hard, plastic-like material,” she says. On the other hand, “Fibreglass in BIBS or batts is like a mouse hotel.”

Surprisingly, despite the multimillion-dollar cost of high-end Muskoka homes, most of them stop short of insulation nirvana. “They’re not perfect, but 90 per cent is still good,” she says. Simone’s ideal is double-wall construction, because it eliminates thermal bridging, or breaks in insulation over the studs. Thermal camera imagery in a typical 2 X 6 wall shows the telltale signs of this effect: warm orange colours between stud cavities, but cold blue colours over the studs themselves. With a double wall system, you completely eliminate the cold blue colours that indicate heat loss. “This year, we saw a double wall on just two projects,” she says.

The energy and environmental benefits of a properly insulated home are proven. Therein lies another of BASK’s services: removal of insulation that has been disturbed, or prior to a renovation. BASK will come in with a very powerful vacuum system and clean out the attic space, providing a clean space ready for re-construction.

She points out another advantage to the method: “With a continuous sealed building envelope across the entire wall, you can run your electrical and plumbing on the interior wall when you use spray foam. You don’t have any heat loss because there’s insulation over everything.” Sure, investing in top-grade insulation when you build (especially a year-round cottage) may not seem as glamorous as the things you can see, such as cedar shingles or a great architectural design. But of all the elements that go into your new cottage, it may well provide the best return. The energy and environmental benefits of a properly insulated home are proven. And here in Muskoka, where the temperature can range from minus 30 in winter to plus 30 in summer, nothing will keep you as comfortable – no matter what the time of year.

For more information on insulation, and spray foam in particular, visit baskinsualtion.ca or elastochem-ca.com.

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CAYMAN MARSHALL ADVANTAGE “Become so skilled, so vigilant, so flat-out fantastic at what you do that your talent cannot be dismissed.” – Oprah Winfrey When we opened the doors of Cayman Marshall International Realty Inc. as a small boutique brokerage firm to serve the Muskoka real estate market in 2012, we did so with the intention of redefining the level of service that clients could expect from our real estate professionals. Since then, we have grown into an impressive team of top-producing realtors and brokers committed to ensuring our clients receive the highest level of service when buying or selling property in one of Canada’s most sought-after luxury destinations. We at Cayman Marshall have been entrusted with the most prestigious waterfront properties in Muskoka. As leaders in luxury and waterfront real estate, we have had record sales on many of Muskoka’s finest lakes with sales now surpassing the billion-dollar mark we’ve secured our position as a leader in luxury real estate. We have offices in Port Carling, Huntsville/Lake Of Bays and Toronto. Our in-house IT professionals have developed proprietary online tools and software, interactive and intuitive websites, lifestyle tours, stunning photography and an astonishing network of over 400 local and international referral partners to ensure our clients’ listings get the exposure they need to attract the most discerning local and international buyers.

The Cayman Marshall team celebrating 2018 sales in Montego Bay Jamaica.

Cayman Marshall was named one of “Canada’s Fastest Growing Companies” by McLean’s Magazine two years in a row (2018 & 2019). We have also been named one of Canada’s fastest growing companies by the Globe and Mail this past Fall. We expect to keep our title as the disrupter in luxury real estate.

We now print four issues per year, with an annual distribution of 200,000. Each magazine is delivered to the front door of homes and cottages of highnet-worth clientele throughout Ontario.

Founded on the principles of teamwork, service and value, Cayman Marshall is the best advantage for buyers and sellers alike in Ontario. If you’re looking for a real estate solution that’s undeniably different, please reach out to myself or one of my teammates and start experiencing the advantage!

We are proud to mention that the Cayman Marshall Port Carling brokerage was just voted (by a large panel of international judges) to be the “Best Real Estate Agency in Canada”, two years in a row – a title that we cherish!

Todd Adair

Cayman Marshall International Realty Inc., Brokerage caymanmarshall.com ■ Sales Representative* Broker & Broker of Record**

MARCH 2021 73 ■

MEET THE TEAM...

RAY DICKSON**

TODD ADAIR*

President/Sales Representative Todd became the President of Cayman Marshall International Realty in 2012. He then became the majority shareholder and recently purchased the entire company. In Todd’s downtime, you will ﬁnd him buying, building or renovating his own real estate projects, on the water wakeboarding and kite surﬁng, or hacking up the fairways of a local golf course. However, Todd’s most important job is being a husband and father to his family of four.

KALLAN KOCH

JEFF LIDDLE*

Chief Editor

Sales Representative

Kallan is originally from Ottawa but has called Muskoka her home for the past three years. Kallan is an outdoors enthusiast and enjoys all that Muskoka has to offer. With many years of experience in customer service, we are delighted to have her on our Cayman Marshall team!

Jeff entered into real estate in 2008 facing a down market and a recession. Overcoming the odds, Jeff has now become a “top producer” in his industry. Working and living in Muskoka comes with a deep appreciation; it is this appreciation that Jeff portrays to his clients every day.

74 MARCH 2021 ■

JOEL ADAIR*

MIKE ARNOLD*

Broker of Record

Sales Representative

Ray has been enjoying Muskoka for the past 40+ years and is happy to call it home with his wife Johanna and their two boys. His passion for Muskoka is equally shared with everything real estate and his “this is what I do because I love it” approach.

Growing up on the lakes gave Joel a passion for water sports and the outdoors. Toronto has been home for the past ten years, but Joel will always feel at home on the Big 3. Whether trading residential or commercial real estate, Joel’s nearly 15 years in the business gives his clients a wealth of knowledge they can depend on. He is best known for helping clients build strong real estate portfolios and finding exceptional spaces to call home.

With 25 years’ experience in sales and marketing, joining the Cayman Marshall team was a great fit for Michael. His “customer first” dedication to his clients has always resulted in successful long-term relationships. With a passion for boating and water sports, Michael looks forward to enjoying all that the Muskoka Lakes has to offer.

KRISTIN McCREA

MEREDITH PARSONS

SARAH POUNTNEY*

Office Manager/Personal Assistant to Todd Adair

Kristin and her family enjoy calling Muskoka home. In 2015 Kristin began her career with Cayman Marshall and has been lucky to work alongside some of the most talented agents in the business. During her spare time you can find Kristin and her family experiencing all the outdoor activities that Muskoka has to offer.

Designer/Stylist

Sales Representative

Meredith was born and raised in Mississauga and spent her summers as a child exploring Muskoka. Meredith developed a love for architecture and design at a young age and was able to turn her passion into a career after completing her education in Interior Design at Ryerson University. With over 5 years of experience in the design industry, Meredith is developing her craft while creating beautiful and timeless interiors.

Sarah was born and raised just North of Muskoka. She enjoys the outdoors on the lakes of Muskoka, and islands of Georgian Bay. Sarah is passionate about travel. She has just returned home from Turks and Caicos Islands where she worked in Private International Banking. With over thirteen years of experience in customer relationship building, she is an excellent addition to the Cayman Marshall Team.

Cayman Marshall International Realty Inc., Brokerage caymanmarshall.com ■ Sales Representative* Broker & Broker of Record**

DAVID BEMMANN**

Broker

With over 16 years of experience, Dave has become a top selling agent of luxury waterfront property in Muskoka. Dave lives on Lake Rosseau and spends much of his time on the water. His commitment to customer service, professionalism and honesty provides his clients with an enjoyable and successful real estate experience.

CLAUDIA SPAHR-KAYE

CAT BROWN*

STEVE HADDOCK* AMANDA HOOKINGS*

Sales Representative

Growing up in Waterloo, Cat was fortunate enough to spend all of her summers at her family cottage on Lake of Bays. Cayman Marshall sought after Cat for her enthusiastic, positive attitude and Cat is now thrilled to be building a career in Sales with the Cayman Marshall Team.

Steve is a strong relationship builder, honest and dedicated to Customer Service. This combined with his intimate knowledge of Muskoka lakes and area has made him a consistent top producer. Steve is an avid cyclist and golfer and maintains residences in Toronto and Muskoka and ties to both communities. His mantra and favourite quote is to “get up, dress up, show up, and never give up”.

MICHELLE STILLAR*

CHARLIE VANDERPOL*

Rental Manager

Sales Representative

Licensed Assistant

Claudia was born in Toronto and grew up in the Durham area. She relocated to Huntsville with her family 6 years ago. She has travelled around the world during her 20 year career in aviation. Working as a corporate flight attendant for ONEX, she perfected her customer service and culinary skills while working for some of the world’s most influential people.

Michelle being born and raised on the northern shores of Georgian Bay loves being on the water and being involved in the real estate market. Her love for renos gives her an inside scoop in the world of home and cottage ownership and being the newest member, looks forward to being a valuable asset to the team!

Charlie made the move over 6 years ago to beautiful Muskoka where she spent time growing up on the lake and always wanting to make Muskoka part of her roots and pursue her career. With many years of experience in customer service and relations, Charlie is determined and focused on customers and the team members of Cayman Marshall, making her a great addition and asset to our team.

Cayman Marshall International Realty Inc., Brokerage caymanmarshall.com ■ Sales Representative* Broker & Broker of Record**

Licensed Assistant Growing up in Toronto, Amanda spent summers going to camp in Muskoka and always enjoyed the atmosphere and beauty the area had to offer. With over six years of experience in customer relations, Amanda is an ideal fit for the Cayman Marshall team.

JESSICA KAYE*

Sales Representative

Jess prides herself on being born and raised in Muskoka, spending summers on the lakes and winters on the snowmobile trails. Jess’ understanding for Muskoka is what helps her succeed in making the real estate transaction successful and enjoyable for all her clients.

CAYMANMARSHALL.COM HEAD OFFICE: 202-97B Joseph Street Port Carling, ON P0B 1J0 705-765-5759 BRANCH OFFICE: 20 Main St. W. Huntsville, ON P1H 2C3 705-765-5759 TORONTO OFFICE: 99 Yorkville Avenue, Suite 200 Toronto, ON M5R 3K5 647-696-4733

MARCH 2021 75 ■

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