Todd Adair* President Sales Representative
Welcome to Spring! As the snow melts and the ice finally loosens its grip on the lake, we’re looking forward to another record year at Cayman Marshall.
The boom in real estate, not just in Muskoka but right across Canada, has attracted a record number of new agents into the market. Some of these people are very good: they’re honest, they put their clients first and they’re ready to roll up their sleeves and get to work for you. Others – well, not so much.
So, in the style of David Letterman’s Top Ten List, I’ve compiled a list of “The Top 10 Warning Signs You Might Be Working With The Wrong Agent” (page 80). How does your agent stack up?
It’s all alongside a new crop of beautiful properties for sale in the region, many of them exclusive to Cayman Marshall. My thanks again to the team for another colourful issue, and here’s to the start of another great year!
JD Sterne Brand Partnership Executive/Editor
Welcome to the May 2023 edition of Cayman Marshall Magazine!
Since I started working with Cayman Marshall, I’ve had the pleasure of seeing many of the most gorgeous properties in cottage country, and the quality of work completed by my friends at Gilbert + Burke is no exception. In our cover story “Luxury Design-Build Firm Creates Lasting Legacies” on page 86, you’ll see what truly sets this unique firm apart.
Are you thinking that maybe, just maybe, this is the year that you finally buy a family cottage? Cayman Marshall Sales Representative, Steve Haddock is an expert
in cottage country real estate. He’s worked through many market cycles and has some down-to-earth advice I’m certain you’ll find useful. Steve’s story “What's Driving Waterfront Prices?” starts on page 34.
Part of the wonder of cottage living in Muskoka is the majesty of the forest all around us. Our resident tree expert, Tim Winegard of Muskoka Tree Solutions, lays out the essentials you must do to get your property ready for the season in “Your Guide to Spring Tree Care in Muskoka” on page 38.
We’ve got these stories and lots more in our May digital edition, so grab a cool drink, find a warm spot in the sun, and enjoy!
Moroccan 2 –Natural, ivory & black in pure wool
Moroccan 1 – Natural, ivory & black in pure wool
Moroccan 1 & 2: The Plush-pile rugs in our Moroccan Collection are the epitome of cozycomfort. Available in natural earth-tones, these rugs are hand-knotted using the Persian knot and natural un-dyed Australian wool. The modern geometric designs, inspired by 70’s fashion, can easily suit a minimalist aesthetic or lay the groundwork for busier décor.
Available in 2’x3’
8’x10’ 9’x12’ 10’x14’. Custom sizes are also available.
“A beautiful space starts from the ground up with a weavers art…”
– Michael Pourvakil
THE COLLECTION
MAY 2023
CAYMAN MARSHALL EDITORS
Todd Adair*
Lauren Lowe
JD Sterne
CREATIVE DIRECTOR
Kelsey Addison
GRAPHIC DESIGNER
Cathryn Haynes
PHOTOGRAPHERS
Andre Carriere
Peter Esteves
Mitchell Hubble
Micheal Muraz
Mark Wilson
ADVERTISING DIRECTOR
JD Sterne
CONTRIBUTORS
Todd Adair*
Martha Uniacke Breen
Steve Haddock*
Charlie-Ann McNair*
Tim Winegard
Published in Canada
FOR ADVERTISING INQUIRIES PLEASE EMAIL info@caymanmarshall.com
caymanmarshallmagazine.ca
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.
Cayman Marshall International Realty Inc., Brokerage www.caymanmarshall.com
Sales Representative* Broker & Broker of Record**
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If you're in the market for new kitchen appliances, Brown’s Appliances owner Jenn Veitch highly recommends one brand in particular, especially right now: Thermador.
Until June 30, the company is holding a rare promo event called the “Come Home To Luxury Promo.” It works this way: if you purchase a professional Thermador range, you can receive an Emerald dishwasher free. Add a 30” or 36” fridge or two Freedom refrigeration columns to your purchase, and you get your choice of a vent hood, built-in microwave, microwave drawer, a second Emerald dishwasher, or deeply discounted prices on on any Thermador undercounter refrigeration unit.
Need more? Upgrade your Emerald dishwasher to either of two Sapphire models at a nominal cost, then finish your Thermador suite purchase with a built-in coffee machine,
also at a discount. The whole promo could save you up to a cool $15,000-plus.
The American brand Thermador is one of the oldest and most respected names in the business, first opening its doors in 1916 as a maker of electric heaters – at a time when many homes didn’t have electricity. (Style, alongside innovation and quality, has always been a hallmark of the brand: Art Decoinspired Thermador heaters from the 1930s are prized collector’s items today.)
From the start, Thermador’s engineers conceived many of the most innovative advances in appliance design. Just a sampling of its many firsts include the first wall oven (1947); first commercial-style stainless steel range (1950); first self-cleaning oven (1963); first tempered-glass cooktop (1970); first steam/convection range (2011)… and many more now-familiar appliance features.
There’s never been a better time to buy Thermador appliances than right now – especially if you choose more than one.
Throughout Muskoka and beyond, Brown’s Appliances has developed an enviable reputation in its own right – not only for its knowledgeable sales personnel and comprehensive selection of the best highend appliance brands, but for its top-notch after-sales service. Owner Jenn Veitch has said that she won’t carry a brand that can’t provide technical service in the area; that's a particularly important consideration when many of your clients live in rural areas or on islands. We asked her to speak about what’s hot in appliance design right now.
“People are clearly coming up here for a view, so today’s kitchens have lots of windows,” she observes. “There’s a focus on beautiful millwork as well. So we want appliances to be hidden, built-in, or integrated with panels.” A pioneer in built-in technology (another Thermador innovation: the push-button downdraft ventilation system), the company offers a number of smaller units designed for undercounter or behind-the-island installation, including microwaves, coffee machines, wine cooler/drink fridges, as well as steam ovens and warming drawers.
Another Thermador invention that Veitch likes is the “column style” fridge: full-height, single-purpose all-refrigerators and allfreezers that can be applied in various widths side by side to fit your exact needs. “Often at the cottage you want to stock up on groceries, so you don’t have to go into town as often,” she points out, “or friends and family bring up a bunch of food when they visit. So having extra refrigerator capacity is very useful. And with the columnar style, you can organize it all on one side of the kitchen, so it looks great and uses space very efficiently.”
When many people think of Thermador, of course, they think of cooking. The “Come Home to Luxury Promo” covers virtually all of Thermador’s wide selection of ovens, ranges and cooktops.
Available in both induction and gas versions, surface-mounted cooktops come in 30” or 36” widths, with a choice of configurations and burners. With induction models, you can choose from round burners, “flex” burners (two can be conjoined to create a single
Style, alongside innovation and quality, has always been a hallmark of the brand.
rectangular burner or griddle), or the top-of-the line full-surface honeycomb cooktop, which allows you to place a pot (or multiple pots) anywhere on the top and have instant heat.
Some people prefer the look and cooking style of a rangetop, with control knobs along the front as with conventional ranges. Thermador’s models range from 30” to 48”; the larger sizes offer the option of adding a chargrill or electrical griddle in place of the two central burners.
But cool features and great looks aside, what Jenn Veitch likes most about Thermador has always been their reliability – not just the appliances themselves, but the company’s after-sales service and warranties. Especially during the pandemic, she found not every maker could make the same claim.
“We had a few problems with some of our brands – whether it was supply chain issues, a shortage of microchips, or even weather delays. But Thermador has always been extremely consistent.
“It’s just really nice to know they stand behind their product – especially in Muskoka, that’s extremely important.”
Gas stoves have been getting a lot of press lately, some of it unsettling. We asked Jenn what she thinks of the controversy, and what we should consider when choosing between the two.
"As far as emitting dangerous fumes, liquid propane has a distinct smell that you really notice, especially in a smaller space. So if you can smell it, call a technician right away.
“From a cooking standpoint, it really comes down to personal preference. Induction is light years better than the old-fashioned coil-type electric stove, but some people still prefer the instant flame of gas [or liquid propane, used in some gas stove conversions].
“But I find induction does have certain advantages: you can control the heat very precisely, to the exact degree. It’s also very even across the cooking surface, whereas with gas you tend to get a ‘ring’ of heat that you can see if you boil a pot of water. And finally, there’s inevitable heat loss with a gas burner – as anyone who’s tried to cook in a hot kitchen in July can tell you!”
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Starting at $9,311.20 for one week. Includes all fees, taxes and other charges for bookings between July 1 and August 31, 2023.
PORTSIDE: 4 BEDS, 3 BATHS – LAKE MUSKOKA
Starting at $11,639.00 for one week. Includes all fees, taxes and other charges for bookings between July 1 and August 31, 2023.
Starting at $11,639.00 for one week. Includes all fees, taxes and other charges for bookings between July 1 and August 31, 2023.
DRAGONFLY HILL: 4 BEDS , 4 BATHS – MUSKOKA RIVER
CUNNINGTON RETREAT: 3 BEDS, 3 BATHS – LAKE OF BAYS
The interactive nature tour is perfect for you if:
3 ) You’re open to deepening your spiritual connection with the natural world.
Elder Stock has been sharing his knowledge of Indigenous culture, history, and languages for over 30 years. But it was his battle with stage 4 cancer that gave him an experiential understanding of the true merit of his teachings. Through his cancer journey, he developed a deeper connection to his teachings and the natural world. His hope is that by taking a journey with him you will not only experience Muskoka’s rich history, but also leave with a new perspective on life.
Starting at $16,294.00 for one week. Includes all fees, taxes and other charges for bookings between July 1 and August 31, 2023.
Starting at $16,294.60 for one week. Includes all fees, taxes and other charges for bookings between July 1 and August 31, 2023.
ROSSEAU SUNSET: 4 BEDS, 3 BATHS – LAKE ROSSEAU
Starting at $16,294.60 for one week. Includes all fees, taxes and other charges for bookings between July 1 and August 31, 2023.
Starting at $16,876.55 for one week. Includes all fees, taxes and other charges for bookings between July 1 and August 31, 2023.
MUSKOKA’S DREAMCATCHER: 4 BEDS, 3 BATHS – LAKE MUSKOKA
GREENWOOD COTTAGE: 4 BEDS, 2.5 BATHS – LAKE MUSKOKA
MUSKOKA’S LUXURY PLATFORM
Northshore provides custom-designed, reliable and stunning platform and undermount hydraulic lifts for waterfront properties, helping people experience the ultimate waterfront lifestyle.
WHY CHOOSE A PLATFORM LIFT?
Transform your boathouse into a showroom or create useable floor space!
The platform makes it easy to clean and maintain your boat.
Protect your investment while securing your boathouse.
CURIOUS IF YOUR BOATHOUSE WOULD QUALIFY?
Contact us to learn more: 1-888-338-3035 or info@northshorewaterfront.ca
charges for bookings between July 1 and August 31, 2023.
Starting at $17,458.50 for one week. Includes all fees, taxes and other charges for bookings between July 1 and August 31, 2023.
EDGEWATER CHALET: 5 BEDS, 3+1 BATHS – SILVER LAKE
Starting at $18,622.40 for one week. Includes all fees, taxes and other charges for bookings between July 1 and August 31, 2023.
Starting at $18,622.40 for one week. Includes all fees, taxes and other charges for bookings between July 1 and August 31, 2023.
HEAVENLY HAVEN: 5 BEDS, 3 BATHS – LAKE ROSSEAU
WHITESIDE ESCAPE: 6 BEDS, 2+1 BATHS – LAKE MUSKOKA
After the winter we’ve just had, you deserve to do it in style. As you dust off the winter blues and open up the patio doors, let Southern Living Design help make your summer dreams a reality. With our new season stock arriving fast, we can help inspire everyone who stops by our showrooms, whether it’s your deck, front porch, or balcony, we offer stylish comfortable furniture for dining, entertaining, chatting, or relaxing. Come visit us to see our new arrivals from Gloster and other quality-made brands that will have you relaxed, soaking up the sun all summer long.
Starting at $19,786.30 for one week. Includes all fees, taxes and other charges for bookings between July 1 and August 31, 2023.
Starting at $22,696.05 for one week. Includes all fees, taxes and other charges for bookings between July 1 and August 31, 2023.
BEL AIR OF MUSKOKA: 8 BEDS, 6 BATHS – LAKE OF BAYS
ROCKLEA LODGE: 5 BEDS, 4 BATHS – PARRY SOUND
Starting at $23,278.00 for one week. Includes all fees, taxes and other charges for bookings between July 1 and August 31, 2023.
Starting at $23,278.00 for one week. Includes all fees, taxes and other charges for bookings between July 1 and August 31, 2023.
EXUMA BAHAMAS INTERNATIONAL: 5 BEDS, 5 BATHS – BAHAMAS
BRIGHTER DAYS: 5 BEDS, 5 BATHS – LAKE ROSSEAU
Fitzmaurice Brothers offers peace of mind by being the single point of contact for all aspects of a construction project, ensuring proper building, code compliance, insurance, and health and safety for employees.
We offer open communication during the construction process via images, text, and phone updates, so you can remotely monitor progress and prevent potential issues. See your creation come to life from breaking ground to completion.
Working with our team of highly skilled carpenters and tradesmen ensures that your construction project will be completed with the highest level of expertise and attention to detail, preventing any potential headaches that may arise from working with less experienced builders.
Our grandfather and his sons began building cottages on the north shore of Lake Muskoka in the 1940s. They constructed strong and appealing Muskoka cottages and boathouses to suit the needs of the Muskoka-bound cottager. They also provided prompt and efficient construction services.
We are honoured to carry on our grandfather’s vision and tradition and we look forward to providing you and your family with the same quality and service that our family has been proud of for generations.
Starting at $23,278.00 for one week. Includes all fees, taxes and other charges for bookings between July 1 and August 31, 2023.
Starting at $23,278.00 for one week. Includes all fees, taxes and other charges for bookings between July 1 and August 31, 2023.
LILYPAD COVE: 5 BEDS, 4 BATHS – LAKE MUSKOKA
TRADING BAY GETAWAY: 4 BEDS, 6 BATHS – LAKE OF BAYS
charges for bookings between July 1 and August 31, 2023.
Starting at $30,261.40 for one week. Includes all fees, taxes and other charges for bookings between July 1 and August 31, 2023.
CORNERSTONE: 5 BEDS, 4 BATHS – LAKE ROSSEAU
Starting at $37,244.80 for one week. Includes all fees, taxes and other charges for bookings between July 1 and August 31, 2023.
Starting at $37,244.80 for one week. Includes all fees, taxes and other charges for bookings between July 1 and August 31, 2023.
LODGE AT PORTAGE POINT: 5 BEDS, 5+2 BATHS – LAKE MUSKOKA
Starting at $52,375.50 for one week. Includes all fees, taxes and other charges for bookings between July 1 and August 31, 2023.
Starting at $52,375.50 for one week. Includes all fees, taxes and other charges for bookings between July 1 and August 31, 2023.
BEACHWOOD: 6 BEDS, 7 BATHS – LAKE ROSSEAU
Starting at $52,375.50 for one week. Includes all fees, taxes and other charges for bookings between July 1 and August 31, 2023.
Starting at $58,195.00 for one week. Includes all fees, taxes and other charges for bookings between July 1 and August 31, 2023.
IDYLWOOD: 7 BEDS, 7 BATHS – LAKE MUSKOKA
SUNSET BEACH: 5 BEDS, 5 BATHS – GEORGIAN BAY
So you’re interested in waterfront property, eh? Well, join the crowd. During the last few years, we’ve experienced an unprecedented rise in the cost of waterfront properties, as buyers have flocked to escape big cities. And, of course, the ability to work remotely greatly incentivized and commodified rural properties. This market – and the real estate market in general – was firing on all cylinders up until April 2022, when the party seemed to end. A rapid rise in interest rates caused many buyers to pause to see how it would affect the market.
Will this be the case going forward? Well, let’s have a closer look and see when the best time is for you to enter the market. Sales volumes were down significantly during the last year, as were listings, and while prices were down, they hadn’t dropped precipitously.
Rising interest rates are expected to stabilize early in 2023, with inflation coming down and putting rate increases off the table. TD expects both sales and average home prices to post gains this year once the economic picture clears, with prices expected to rise by 3.9% and sales growing 18.9%, on average, nationally.
The economy should also be growing again as high immigration levels fuel population growth, juicing demand for homes, which will help sales and lift prices. The challenge for
you in your search for the perfect home away from home is the lack of waterfront property on the market, especially quality waterfront. With up to 500,000 new immigrants to Canada, many lured by Toronto’s diversity and opportunity over the past year, the number of buyers in the market has grown. While many of them have to meet rigid financial qualifications, it should be noted that the recent ban on foreign buyers purchasing GTA properties does not include recreational properties. Additionally, increased wages and rising material costs have led to significant increases in construction budgets for lake houses, which has only helped justify the current cost of the properties.
Many buyers in the luxury waterfront segment are not necessarily interest rate-sensitive. However, many of these same buyers have sat on the sidelines, hopeful that prices will drop, which drastically slowed sales. Furthermore, sellers in this unique market don’t need to sell, which contributes to the shortage of inventory – which is propping up prices.
So should you get in now? Buyers who pull the trigger in the near future are far more likely to get a reasonable deal, and will avoid having to compete once the market stabilizes and rates start to go lower. With such a significant rise in prices during the last few years, many buyers are afraid of paying too much – and who can
blame them? But keep in mind that demographic trends are a tailwind for vacation properties.
Population growth, the lack of available waterfront, the drop in construction, the cost of labour and materials, a shift in flexible work locations, and the fact that a large percentage of affluent GTA buyers strive to own waterfront property, are all factors. A recent poll found that 3.2 million Baby Boomers are looking to move in the next five years, and 56% of them want to move to a recreational or rural property. It’s a trend that started in the mid-2010s due to rapid appreciation in cities.
Additionally, another poll indicates that 75% of Millennials strive to own a waterfront property in the not-too-distant future. So a lot of Millennials, a lot of Boomers, and not a lot of waterfront property all continue to challenge your ability to find waterfront property. At this moment, we are not seeing a lot of inventory coming on to the spring market, which will continue to mean a constrained market that should prop up prices.
If you see something that, for the most part, suits your family’s desires, then consider this: we can’t create additional waterfront here in Muskoka. We have low inventory and high demand for the prestige and fulfillment behind the Muskoka waterfront cottage dream.
Unless you’re willing to pay a premium and have an extra five to ten years to wait for a cottage that checks an extra box or two, then I suggest you jump at what you see!
I always like to say,
Life is short; buy a cottage.
Buyers who pull the trigger in the near future are far more likely to get a reasonable deal, and will avoid having to compete once the market stabilizes and rates start to go lower.
Tree-framed vistas across the lake are major selling features and highlights for owners in Muskoka. As real estate dynamics evolve in 2023 due to interest rate changes, curbs on international ownership, and pent-up demand, owners should be taking proactive approaches to preserving or increasing the value of their investments. Healthy, wellmaintained trees contribute to the value of your property by providing shade and privacy from neighbours, accentuating the natural beauty of your property’s views, and reducing overall risk. Maintained trees add the “wow factor” to your property’s curb appeal and ensure you enjoy a carefree summer at the cottage. Investing in the health and longevity of your trees starts with these tips for spring from Muskoka Tree Solutions.
Assess your property for damaged trunks and separated or stress-fractured branches. Winter snow and wind storms can weaken or break tree branches and tops, resulting in partially fallen “widow-makers” and other potential hazards above parking areas, buildings and utilities, as the stability of storm damage decreases over time.
Identify dying and diseased trees or branches near key cottage areas by looking for visible mushrooms, significant bark loss or recent pileated woodpecker activity. These early warning signs indicate comprised wood quality and are common sites for tree failures. Removing diseased branches from large hardwoods, pines and hemlocks helps to minimize risk and improve tree health.
Mulch recently planted trees to preserve soil moisture and reduce root zone competition. Recently planted trees are prone to drought stress because their root system is still developing, which can leave them susceptible to insects and
Have your property’s health and hazard risk assessed by professionals. To the trained eye, differences in the vibrancy of leaf colour, foliage density and the timing of leaf production provide clues to the health of your trees—and potential problems to come. Trees under stress or in decline can fail to produce leaves vigorously or may leaf out substantially earlier (or later) than nearby members of the same species. Arborists can help identify your short-and long-term priorities for your properties’ tree health and safety, ensuring the cottage season goes off without a hitch.`
Spring in Muskoka is heralded by the return of warmer and longer days, the call of loons across the lake, and the seasonal buzz of energy that fills the air as cottage country bounces back to life. Your trees and cottage landscaping set the stage for memorable experiences with friends and family. By following our spring care guide, Muskoka property owners can rest assured they are working with (not against) the flow of the natural landscape. If you are looking for help with your property’s spring tree care, or have questions about improving your views or the health of your cottage property—call Muskoka Tree Solutions to organize your spring assessment at 705-388-8733 (TREE).
For more information on Muskoka Tree Solutions Tree Care, check out our website at muskokasolutions.com.
Maintained trees add the “wow factor” to your property’s curb appeal and ensure you enjoy a carefree summer at the cottage.
This beautifully crafted armchair made from beech solids will elevate the look of any space.
An architectural statement piece, Millstone features an intersecting, half-round metal base with a gray and white Calcutta marble top.
Highly functional and with ample storage, Winston showcases an asymmetrical design and a free-floating effect. Polished Nickel accents and custom designed hardware accentuate the chic, elevated look of this Credenza.
Complete your dining room setup with this elegant armchair. Made from beech solids with a cerused
Giving a nod to the current popularity of geometric design styles, Whitby’s rectangular shape is accentuated by
THIS COTTAGE, SET ON ONE OF LAKE ROSSEAU’S MOST STORIED BAYS, IS PERFECTLY POSITIONED FOR A NEW GENERATION OF MUSKOKA COTTAGERS.
By Martha Uniacke Breen
There’s a saying that Lake Joseph is where people come to build their dream cottage, but Lake Rosseau is the place where longtime Muskoka cottagers’ hearts always return.
And in a sense, that’s the case with this gem of a family cottage, overlooking Rosseau’s Portage Bay. For some 60 years, the property’s previous owners had enjoyed cottage life here, raising several generations of kids on this sheltered and pristine bay. (One member of the family had even been the lockmaster for the Port Carling locks.)
When the last member of the family grew up and moved on, the land was purchased by the current owners, who updated the old, somewhat rustic cottage on the property with a luxurious new modern one, taking full advantage of western views directly
BEDROOMS: 4 | BATHROOMS: 3 | SQUARE FEET: 2,800
facing the bay, Florence Island across the water, and – most special – the magnificent Muskoka sunset. At a spacious 2,800 sq.ft. with four bedrooms and three baths, it’s the perfect place to start a brand-new family cottage tradition or to revive an old one.
According to Cayman Marshall’s Mike Arnold, the list of great things about this cottage starts with the property itself. “It’s a level lot, unlike many Muskoka properties that slope down to the water,” he observes. “There’s a big open lawn on the waterfront side that’s great for kids to play soccer or other games, or just run around burning off steam. That’s kind of a rarity for this area."
Serviced by a well-maintained local road, the location is excellent for year-round as well as seasonal use. Both Windermere and Port Carling are a short boat or car ride away; while Port Carling has great shopping and dining, Windermere is the home of the legendary
Windermere House, the oldest continuously operating inn in Muskoka, built in 1870. (There are also first-class golf courses in both Port Carling and Windermere.)
With its state-of-the-art amenities and energy-efficient features such as radiant in-floor heating, the cottage is designed for trouble-free, low-maintenance living. A two-sided wood-burning fireplace warms both the living room and the enhanced, modern Muskoka room on the other side – with vinyl window panels that slide to the top or bottom to give you unobstructed views, with screens to let you enjoy the evening breeze, while keeping the bugs away.
The chef’s kitchen is a stunner, with a genuine La Cornue stove – known as the Rolls-Royce of ranges – and a secret butler’s pantry tucked behind a cupboard door. Open the door and you discover a whole other room, with plenty of extra storage, a wine fridge, prep counters and even a window.
Head up the stairs to a comfortable seating area, with its own balcony and a ringside view of the lake. It’s already wired for entertainment equipment, should you choose to mount a TV or movie screen there, or simply relax and enjoy the ever-changing view beyond the windows.
The private principal suite has a cozy seating area of its own – great for enjoying morning coffee, or a quiet chat as the sun sinks into the bay –and features a remarkably expansive ensuite with separate shower and soaker tub.
One other delightful perk: a former dryland boathouse right at the
water’s edge has been beautifully renovated into a cozy bunkie/ guesthouse – a comfortable and private suite for guests, or a place where teenagers can get away from those annoying parents for a while.
But of all its assets – the amazing kitchen, the big beautiful Muskoka room, that adorable bunkie – there’s one feature that for Mike, stands out above all.
“It’s the view. The cottage faces directly west over the water, so you get those amazing sunsets night after night. Those views – they are simply unforgettable.”
1.6 ACRES, WEST EXPOSURE, 3 BEDS, 1 BATH, 3-SEASON BUNGALOW - LAKE BERNARD
$899,000
A TURN-KEY PROPERTY WITH 93 ACRES, 2 BEDS, 1 BATH, AND PLENTY INVESTMENT OPPORTUNITY – BONFIELD
STUNNING 2 STOREY CONDO, 1,300 SQ.FT., 2+1 BEDS, 3 BATHS, LUXURY LIVING AT IT’S FINEST – PENINSULA LAKE
SANDY SHORELINE, QUIET BAY, 3 BEDS, 2 BATHS – LAKE COUCHICHING $1,650,000
Our OneTek team members are driving by your home or cottage daily as members of the Muskoka community. We’re always prepared to act fast on your unwanted pest pop-ups!
Our lead Muskoka technician, Nathan Kaye, and his team are a joy to work with. We arrive with the tools and
comprehensive strategies to control a wide variety of pests in a professional and friendly manner.
We’re not just here to remove your pest problems, but also to inspect and protect your property from future invasions. Feel empowered knowing that we will give you the knowledge you need to prevent future pest infestations.
POINT: $995,000
$2,895,000
ON TOP OF THE WORLD WITH 3,290 SQ.FT., 4 BEDS, 5 BATHS – CITY OF TORONTO
there are Watercraft and Recreational Vehicles
WATERCRAFT: If you own a boat you may need a separate boat or marine policy if the boat exceeds a stated size, value and power restrictions on your homeowner’s policy. Boat policies typically include coverage for the personal liability of the owner.
PROTECTION FOR EVERY TERRAIN: Whether you snowmobile through covered fields or venture out into the backwoods’ trails on your ATV, quad, or UTV… wherever you are at play, we have your ride covered.
If you’re looking to insure a second home such as a cottage or vacation home, your insurance needs are unique. Did you know that you can get insurance for your second home under your primary home insurance policy?
At a minimum, your lender will require that you carry insurance to protect your property against damage from theft, fire, flooding and windstorms. It’s also a good idea to add liability insurance—which covers you and members of your household for accidental injuries to your visitors. For an extra layer of protection, a personal umbrella liability policy extends your liability coverage for properties named in the policy.
Since most homeowner policies require occupancy as a condition of insurance, the fact that you visit infrequently may preclude you from obtaining full homeowners coverage. Dwelling fire insurance is an alternate coverage option utilized in insuring residential rental or non-owner occupancy property, including vacant property.
The policy offers coverage for a home and other structures (e.g., detached sheds or garages) for perils named in the policy. For more coverage, consider adding personal property protection and liability
You will have little control over the physical damage that can occur. To mitigate risk, tenant-occupied dwelling insurance will cover costs incurred by damage, including fire, storms, burglary and vandalism. It doesn’t cover your tenant’s personal property.
can advise you on the best coverage options and find a policy that works for you, specifically designed for you. We’re flexible... we’re ready to talk when you are including virtual meetings and texts.
444.5 FT. FRONTAGE, 4.69 ACRES, 5,812 SQ.FT., 5 BEDS, 4+ BATHS – LAKE JOSEPH
Most brokerages advise you to put your property into the Multiple Listing Service (MLS) system, in order to get it in front of the greatest number of prospective buyers possible. But when it comes to Muskoka property – especially in the current market – that may not be the best, or even most desirable, route for you.
Cayman Marshall has a better way to market your property, which not only ensures that only serious, wellqualified buyers view your property, but allows you to maintain your privacy and avoid the stress and hustle of listing with MLS.
With a Cayman Marshall exclusive listing, your property will only be visible to members of our proprietary database. Personal viewing appointments are only scheduled after our agents have taken prospective buyers through a careful pre-screening process.
Our system works equally well for buyers. Rather than enduring the “feeding frenzy,” panic-bidding and sometimes, disappointment that accompanies desirable MLS properties, you have the assurance of knowing the property is only being seen by serious, well-qualified prospects like you, and managed exclusively through Cayman Marshall’s offices.
The success of our system speaks for itself: since last August, we’ve sold well over $133 million in exclusive sales alone. Allow us to show you the better way to sell your Muskoka property!
MORE EXCLUSIVELY SOLD PROPERTIES WITH CAYMAN MARSHALL:
LAKEMUSKOKA LISTED AT$7,995,000
LAKEJOSEPH LISTED AT$6,995,000
• LAKE JOSEPH LISTED AT $13,995,000 1,000 FT. FRONTAGE SW EXPOSURE
• LAKE OF BAYS LISTED AT $7,995,000 800 FT. FRONTAGE
• LAKE MUSKOKA LISTED AT $6,995,000
• LAKE JOSEPH LISTED AT $6,995,000 59 ACRES
• LAKE ROSSEAU LISTED AT $5,500,000
• LAKE JOSEPH LISTED AT $5,490,000
• LAKE MUSKOKA LISTED AT $5,200,000
• LAKE MUSKOKA LISTED AT $3,980,000
• LAKE ROSSEAU LISTED AT $3,795,000
• LAKE ROSSEAU LISTED AT $2,995,000
• LAKE ROSSEAU LISTED AT $1,800,000
• 11 LOTS IN HUNTSVILLE LISTED AT $1,000,000+
• NEW BUILD SOLD ON LAKE JOSEPH
SINCE LAST AUGUST, WE’VE SOLD WELL OVER $133 MILLION IN EXCLUSIVE SALES ALONE.
Connect with a Cayman Marshall Agent to stay completely in the KNOW of our listings!
A local agent who knows the area where you are buying (or selling) has a unique advantage over the outof-towner, especially when it comes to country properties. They’re intimately familiar with the area, and can tip you off about a seemingly quiet road (or lake channel) that clogs with traffic at rush hour, or where there’s great shopping nearby. The right agent will have that information at their fingertips.
By the same token, an agent who may be an expert at selling condos in Toronto has no business trying to sell a cottage in Muskoka. A Muskoka specialist will be familiar with how to work within the idiosyncrasies of the area, including local bylaws, “riparian rights,” hidden weaknesses in the construction or condition of the house, and other nuances that an out-of-towner won’t. You want someone working for you who knows the product. When we see an out-oftown agent rolling in with a buyer in Muskoka, we hold our breath, just waiting for the negligence that’s about to ensue. What’s worse, many of these errors won’t be picked up until the client goes to try and sell this property down the road. The list is long in almost every specialty of real estate – don’t kid yourself, it’s complex.
I’d like to offer some important ways of navigating how to choose a realtor that’s right for you. So, in the style of David Letterman’s Top Ten Lists, I’ve put together the Top 10 Warning Signs You Might Be Working With The Wrong Agent.
Setting the price of a property is a complicated and technical task that’s a necessary evil in this profession. Ask your realtor to explain exactly how they arrived at the selling price for your property because, make no mistake, when the negotiations begin they’ll have to look the buyer in the eye and justify your price. If they can’t convince you, how can they convince others?
You are totally dependent on the agent to have the infrastructure to facilitate a sale, but almost always, I’ve found a single agent or a small team has fewer resources. With no support or emotional infrastructure behind them, the chances of being able to offer added value are reduced. Even if they are affiliated with a big-name broker, that’s not always an indication that they have big-name support behind them.
I almost never hire experienced agents. I’ve found that many of them are just looking for the next hot lead, and won’t do the extra work required to close a complicated deal. They can be too easily dragged into the gamesmanship plaguing our business, and skip the handholding most clients need that won’t earn extra commission, but makes a world of difference to the client. I’d rather hire someone who shows that they really care about their clients, not just landing the big deal.
Selling a property is a complicated transaction. Before you hire an agent, interview several and have them explain in detail how they plan to sell your home. Do they offer anything special? Do they have a comprehensive and creative marketing plan that brings your home in front of as many of the right demographic of buyers as possible? Or is it just basically pretty pictures, staging, and MLS?
Studies have shown that 96% of all buyers find properties initially from the web. So how does your agent fare in the high-tech game? Do they have a website (and is it attractive and easy to navigate)? Do they have a good supply of listings, especially homes in your price range? Hiring an agent is a job interview, so don’t be afraid to ask the tough questions and don’t accept loose answers about their technology. Ask questions like: What do you have that others don’t? What does your marketing bring to me specifically? Can you show me real stats to support your big claims?
I consider MLS a supplement to a larger marketing plan. Yet far too many agents make it the central basis of their marketing plan. That’s not good enough in today’s competitive market.
Single agents and small teams are starting to realize they are at a huge disadvantage by not having additional marketing services beyond MLS, so they have started offering what they call an “exclusive listing.” Make sure you ask the agent what precisely “exclusive listing” means: It often amounts to little more than spam-emailing every agent on their board with the listing… not very exclusive! You might have been better off to just go on ML.S in the first place.
Beware of the “suck and blow” or “buy the listing” technique. Agents who have very little to offer other than price and MLS often come to the interview with an inflated price, and will play off the ego of the homeowner by telling them that their home is worth significantly more than it really is. Then, shortly after getting the job, suddenly “the market has changed,” or “things are slowing down and we really need to reduce the price.”
If an agent spends most of their time discussing price, that’s likely their whole game plan. Who are they working for: you, or themselves?
I’m going to have a little fun with this one, but make no mistake: my number-one point illustrates what’s wrong with this industry in a funny way.
I’ll start by saying I wonder who the first agent was who plastered their own face all over their signs, pictures and marketing. What was their rationale? It’s one of those examples of unsophisticated marketing that kinda just stuck for some reason. Just like people stopped selling vacuum cleaners door to door in a three-piece suit 20 years ago, I know this practice will die once marketing and advertising catches up with modern-day business minds.
Any competent marketing firm has a checklist of rules when running an ad, with points like: “What is our message?” or “What is the clear call for action on this ad?”
So, what’s the message when you post a glamour shot of yourself followed by your phone number?
“I’m beautiful?" “Sexy?“ Or “(you fill in the blank)?” It's entertaining just going through all the possible message/call for action scenarios, but the most important take-home message is “Call me.”
Does this person know and understand what a real marketing effort is? Is this person a sophisticated business mind that can create effective advertising for your most valuable asset? Are they working for you, or themselves? Or are they simply doing what every other agent has done before – without question – because that’s the current standard in the industry?
Of all the points I’ve given here, this last one illustrates better than any other what I’ve been saying all along: the traditional real estate model is broken.
For over 20 years, Gilbert + Burke has built some of the most luxurious homes and cottages throughout Ontario’s cottage country. Looking to the future, the design-build firm looks to expand its geographical coverage to become the builder of choice for anyone looking to create a truly unique property.
Their team consists of gifted designers and construction experts who have completed stunning projects on some of the most difficult terrains. Gilbert + Burke remains committed to developing lasting relationships and exceeding expectations through quality craftsmanship, proactive communication, and efficient processes. This dedication to excellence is why so many of their clients come back to build something new or remodel an existing property.
When building a custom luxury home or cottage, every design element must be carefully considered to ensure it matches perfectly with your vision. Gilbert + Burke’s signature approach ensures the finished product is visually stunning, highly functional, and uniquely you. When you walk through it for the first time, you just feel the originality. Here’s how they do it.
Personalized approach: Their team will have many conversations with you to understand your needs, style, and preferences. What sets Gilbert + Burke apart from other design-build firms is their ability to match design concepts with your vision. You’re only bound by the limits of your creativity and the practical constraints of materials, technology, and building processes. This gives you a level of customization that will make your custom home a true singularity.
Proactive problem-solving: There will always be challenges in the building process. Gilbert + Burke is proactive in identifying these problems quickly, communicating them to you, and providing efficient solutions.
Exceptional communication: At Gilbert + Burke, clear communication and transparency are the cornerstones of their successful design-build process. They take pride in being a builder you can depend on and trust.
Proven systems: Gilbert + Burke has refined their processes over the past 20+ years. Their strong relationships with local subcontractors and efficient coordination of all the moving parts provide you with a seamless building process from start to finish.
Sustainable building practices: Gilbert + Burke makes it a priority to stay on the leading edge of sustainable construction practices. These practices can reduce the environmental impact of your project and provide the opportunity to increase energy efficiency in your home.
With a custom build from Gilbert + Burke, you can experience a level of comfort and luxury that simply can't be found in a pre-built home.
A custom luxury home allows you to reflect your personal style with selected finishes, unique design options, and features to align with your lifestyle. This can include home theatres, wine cellars, waterfall bathroom fixtures, saunas, outdoor sports courts, custom boathouses, and much more.
Custom homes and cottages also allow you to implement more energyefficient and eco-friendly features than standard homes. These features can have a higher upfront cost but may result in cost savings over time.
With a custom build from Gilbert + Burke, you can experience a level of comfort and luxury that simply can't be found in a pre-built home. The result is a space where you are proud to bring family, friends, or business associates to create timeless memories.
Muskoka Cottage in the Pines: Nestled in the lush pine forest of Muskoka, this bespoke cottage by Gilbert + Burke is a true work of art. The design showcases the breathtaking views of the rockscape and landscaped surroundings, blending contemporary finishes with natural rustic touches.
The western red cedar ceilings and Douglas Fir timber-frame structure complement the exterior, while the
stone and wood interior creates a warm and inviting atmosphere. The custommade wine fridge and the barrelceiling entry add a touch of luxury and elegance.
The centrepiece of the great room is a four-sided fireplace, and each octagon porch features its own fireplace. With functional timber frames, custommade furniture, and a movie room, this cottage offers a next-level experience that truly reflects a signature Peter Groza original design.
Haliburton Lake House Rebuild: Gilbert + Burke was tasked with building a lakeside family cottage on a tiny lot with a rich family history. The project aimed to create a spacious retreat that could accommodate multiple families and aging parents while also
was built on steel posts over the water and tied back to the rocky shoreline to ensure stability without damaging the surroundings.
Gilbert + Burke used thermally treated ash lumber for the boathouse decking, steps, and lower deck for a natural, weatherresistant material. The boathouse features enthralling design choices, such as underwater LED lighting, clear-view glass railings, and glass garage doors that open up to the lake.
Despite the challenges presented by the rocky landscape, the result is a sleek architectural marvel highlighting the beauty of Muskoka's lakeshore and providing executive-level space for relaxation, dining, and entertaining.
With a focus on customized utility and quality craftsmanship, Gilbert + Burke builds homes designed to match the lifestyle of sophisticated clientele. From cutting-edge design concepts to using premium materials to sustainable building practices, their design-build firm can construct a generational masterpiece for you and your family.
telling a new story. The new build was constructed on the site of a familyowned cottage from the 1950s and featured large, lake-level windows and natural touches.
One of the most important aspects of the build was to continue the family legacy and create a multi-generational home. An interesting challenge was the location of the property. It required measures to direct melting snow and rainwater to the lake, including the implementation of a french drain and additional measures in the crawl space.
Muskoka Boathouse Retreat: Gilbert + Burke designed and built a unique, eco-friendly boathouse off of Lake Muskoka, which complements the natural environment and maximizes space for entertainment. The structure
Anyone building a custom luxury home deserves a builder whose process and experience deliver a rock-solid foundation on which to build their legacy. Get in touch with them today to learn more about how they can turn your vision into a reality.
1.866.846.9254
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 multi-billion-dollar mark, we’ve secured our position as a leader in luxury real estate. We also offer a complete selection of luxury cottage rental properties.
We have offices in Port Carling, Toronto, and our all-new location in Huntsville, which also serves the Lake of Bays area. 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.
We currently print eight issues of our Cayman Marshall magazine per year, with an annual distribution of 250,000. Each magazine is delivered to the front door of homes and cottages of high-net-worth clientele throughout Ontario.
We are proud to mention that the Cayman Marshall Port Carling brokerage was voted by a panel of international
judges to be the “Best Real Estate Agency in Canada,” two years in a row – a title that we cherish! Cayman Marshall was also named one of “Canada’s Fastest Growing Companies” by Maclean’s magazine for three years (2018, 2019 & 2022). We have also been named one of Canada’s fastest growing companies by the Globe and Mail. We expect to keep our title as the disrupter in luxury real estate.
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!
“Become so skilled, so vigilant, so flat-out fantastic at what you do that your talent cannot be dismissed.” – Oprah WinfreyTodd Adair The Cayman Marshall team celebrating 2018 sales in Montego Bay Jamaica.
KRISTIN
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.
Licensed Assistant
Charlie made the move over 8 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.
Sales Representative
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.
Designer
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.
Sales Representative
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.
Sales Representative
Mark Payne is new sales representative here at Cayman Marshall. Mark comes to the real estate world after selling an awardwinning marina on Georgian Bay which he owned for 25 plus years. Mark has a passion for customer excellence in which is one of the main things he attitudes his success to. Mark both lives and cottages in the Parry Sound/Pointe au Baril area where he enjoys boating and cottage time with his wife and daughter.
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. 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.
JOEL ADAIR* father to his two children.
Neil gravitated to the shorelines of Muskoka in 2000 pursuing a passion for watersports. His background as an athlete and affinity for coaching lead to a successful 20-year career in the luxury boat industry, where he was able to gain a deep understanding of the Muskoka cottage lifestyle. “Working with Todd and his team as clients over the years, I knew I had to be part of Cayman Marshall's unique approach and culture.”
JD is a proud product of Muskoka and joins our team as a commerce grad from uOttawa and its Management Consulting Program. Over a decade of competitive hockey on several teams has equipped JD with grit and sparked a passion for connecting with new people and learning what makes them tick. He is a problem solver, a perpetual learner, and is excited to promote the growth of the Cayman Marshall Magazine.
Kareina spent summers of her childhood at cottages in the Mactier and Nobel Area. She lived in Alberta for a couple years and loved the mountain views but really missed the lakes and maple trees and could not wait to get back to the peace that is Muskoka. She has been an educator for several years and has worked in customer service. Kareina is excited to be a part of 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”.
understanding for Muskoka is what helps her succeed in making the real estate transaction successful and enjoyable for all her clients.
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.
Jackie grew up at her cottage in Muskoka and knows the region well. She is a Ryerson business graduate with experience working in media for top ad agencies, City TV, and Much Music. Her creativity and passion for the cottage lifestyle will be apparent when helping to sell your home or find your dream property. Jackie is a mother and a yoga enthusiast and is thrilled to be aligned with the prestigious Cayman Marshall brand.
HEAD OFFICE:
202-97B Joseph St, Port Carling, ON P0B 1J0 705-765-5759
BRANCH OFFICE: 20 Main St. W., Huntsville, ON P1H 2C3 705-765-5759
TORONTO OFFICE: 200-99 Yorkville Ave, Toronto, ON M5R 3K5 647-696-4733
Stay at a true Island Resort in Muskoka, and Play one of Canada’s most picturesque and top-rated golf courses
