Muskoka 13 11ebook

Page 1

Muskoka, Haliburton & Parry Sound HOME & LIFESTYLE GUIDE Volume 13, Issue 11

Beautiful Sand Lake See page 6 for more details

R al Re RealEstateBook.com a Estat a eB at e ook o .com ok om om

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87830.13.11.001 1

Mary Cook, Sales Representative Royal LePage Lakes of Muskoka Realty Bus: 705-789-7677 • Cell: 705-783-5316 marycook@vianet.ca www.marycooksellsmuskoka.com www.muskokahomesandcottages.ca www.marycook.REALTOR

5/3/18 9:47 AM


266' SW exposure on pristine Lake of Bays $2,100,000

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Pen Lake 217' Lakefront 7+ Acres Renovated Cottages $999,000

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Muskoka Bay Residence 2018

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Muskoka Bay Upscale Upgraded Residence $959,000

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Three Mile Lake 250' SW Lakefront Recreational Residence $569,000

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Peninsula Lake Affordable and Adorable Cottage $479,500

Lovely Log Sided on 5 acres with Garage $529,000

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Upscale Skyhills Rd - 2 bdrm, 2 bathrm, 2 acres - $399,900

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Huntsville in town 134 Acres Residential Development Property Now $1,500,000 Reduced $700,000!

Motivations Fitness Busy Huntsville Gym is a Money Maker $399,000

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87830

Tom Harsanyi Sales Rep North Country Realty, Inc., Brokerage

Direct: 800-249-1583 harsanyi@vianet.ca

Independently Owned and Operated

www.MuskokaRealEstateInfo.com

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Text R710303 to 52187 THIS COTTAGE HAS IT ALL!! Unbelievable pristine privacy. Hundreds of Thousands of acres of Crown land surround this magnificent luxurious, "cutting edge" but rustic and charming lakeside retreat. 5 bedroom, 4 bath plus guest cottage, double car garage. West facing lot and postcard perfect view of miles of Crown land. Second to none sand beach. $1,940,000

Text P639314 to 52187 DEERHURST RESORT - HUNTSVILLE Beautifully, completely renovated 2 bedroom condo unit in fabulous world class Deerhurst resort. All upgrades to Deerhurst specifications. Excellent rental income or fabulous personal use with all the amenities this superb resort has to offer. Listed fully furnished and equipped for $234,900

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101-29 Main St. East Huntsville, ON P1H 2C6

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Text R680990 to 52187 LAKE OF BAYS - UNBELIEVABLE PRIVACY Modern, bright & spacious 4 bdrm, 3 bath Viceroy style cottage. Open concept principal rooms with high vaulted ceiling. Full finished, walk out bsmt. Large deck & patio. 12 acres of Muskoka property with the coveted rocks & pines. Over 800 ft, mostly deep frontage on Lake of Bays. Long South view over 10 mile bay. Value priced at $949,000

Text R754276 to 52187 CUSTOM BUILT IN 2012 this 4 season cottage or home has 286' of western exposure along the Muskoka River. Less than a 10 minute boat ride into Mary Lake, & easy access to the whole 40 mile waterway as well as downtown Huntsville. Open concept modern, nearly brand new 3 bedroom , 2 bath wellappointed fully winterized cottage. Full basement, ready to be finished. Oversized double car garage. Listed at $799,000

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Text R399333 to 52187 MAGNIFICENT CRAFTSMANSHIP, intricate detailing and a charming ambiance. New custom-built 8100 sq.ft. cottage/ country home. Spacious & gracious define the open concept living with soaring ceilings, walls of windows and a fabulous easy flow of space throughout. Designed with luxury in mind to entertain family and friends, this concept is only upstaged by the breathtaking views of Peninsula lake. $2,499,000

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Text R761602 to 52187 48 ACRES OF GORGEOUS FORESTED LAND within 10 minutes of downtown Huntsville. Beautiful pine reforested land with large enough pine trees to build a log cabin. Trout creek dissecting the property. Great recreational spot. Walking distance to the river with access to it. Great value at $79,900

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87830.13.11.005_0600 5/9/18 10:53 AM Page 1

Sandy Tyers,

Dawn Mashinter,

SRES, ABR®, SRS, BROKER

ABR®, SRS, Sales Representative

705.788.4492 | sales@sandytyers.com

705.571.2534 | dawnmash@vianet.ca

muskokahuntsvillerealestate.com

$409,000

EXCLUSIVE

TURN KEY & OFF THE GRID! 2012 modern, yet rustic, custom built cottage. frontage with over 8+ acres & no neighbours in sight! Wooded natural property gently sloped & landscaped to the clean deep shoreline. Two bdrm, one full bath, with a large Muskoka Room overlooking the lake. Propane appliances, propane furnace, hot water on demand & all powered by solar with generator as back up. Year round access & the cost to maintain is minimal. www.solarcottageforsale.com Text R754158 to 52187

$199,000

www.sandytyers.com

$139,000

NEW LISTING

THREE MILE LAKE (KATRINE) - WATERFRONT BUILDING

LOT 166’ frontage with northwest exposure, 5 min to Hwy 11 & 20 min to Hunstville or 5 min to Burks Falls. Well treed lot slopes down to the waterfront. Great open lake views with sandy shoreline & hard packed sand bottom. 1.3 acres on a year round municipal Road. Text R796295 to 52187

$490,000 NOT included

Future Lot 8

Lot 6

Future Lot 7

severed

LAKE BERNARD - WATERFRONT BUILDING LOT Rare find on this popular large deep water lake! 3 hrs north of Toronto & 10 min to Hwy 11. Amenities are within 10 min either to Sundridge or Burk’s Falls. 185’ of frontage with northwest exposure on 2+ acres with wide open lake views. Well treed lot with a gentle slope to the shoreline & on a year round municipal road. www.lakebernardforsale.com Text R683417 to 52187

KEARNEY -9 ACRES ON 3 LAKE SYSTEM - 2 ½ hrs North of Vaughan. 3.6 Acre (severed) lot PLUS 5.4 acres which the Seller will pay to sever into 2 additional lots if a Buyer prefers. 900’ shoreline with mature trees and privacy. A short drive to Algonquin Park. MLS®521580174

$275,000

$849,000

SUNDRIDGE - an active community of growing families and retirees. This main street location features 2 upper apartments. Main floor for retail, pizza, sub or coffee shop and eatery. Fully equipped kitchen, 2 washrooms and seating for 30. Park and Bernard Lake across the street. MLS® 121706

WASI LAKE Custom built with family and entertaining as it’s top priority. Spacious open plan with full finished lower level & 4 walkouts to the lake. Pine cathedral ceiling in kitchen-family room, master wing with private sunroom, custom hardwood floors and 215’ of waterfront. Private beach, double lot, Bunkie. Oversized detached garage. MLS® 491489034


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Page 6 - Moving? For a Free Book Call 1-800-841-3401 - Vol. 13, No. 11

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Muskoka, Haliburton, Parry Sound, ON Contact:

Brian Mayo Publisher Phone: (705)

796-6343

Fax: (705) 726-4123 Email: muskokaTREB@rogers.com

Quality Custom Built

3 bedroom, 3 bath waterfront cottage located on beautiful Sand Lake. Featuring a floor to ceiling stone fireplace, closed in Muskoka room with weather wall windows, double attached garage and fully automatic generator and forced air propane furnace and central air. New floating Nydock and landscaping, custom furnishings, exterior wood finishing and West exposure. So much more. Text R796273 to 52187 For additional information on this home or other listings contact:

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Mary Cook Sales Representative Office 705-789-9677 • Cell 705-783-5316 marycook@vianet.ca www.marycooksellsmuskoka.com www.cottage-real-estate.com www.muskokahomesandcottages.ca www.marycook.REALTOR

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JEREMY

JENNY LEE ADAMS

ALLDRED-HUGHES SALES REPRESENTATIVE

Direct: 705-380-4357 jeremy@remax-muskoka.com

SALES REPRESENTATIVE

North Country Realty Inc., Brokerage*

Direct: 705-787-5633 jen_adams@hotmail.com

101-29 Main Street East Huntsville, ON P1H 2C6 Independently Owned and Operated

Let Us Help You from Listed to SOLD! FEATURE LISTING LAKE ROSSEAU

Stunning 116 feet of waterfront on prestigious Lake Rosseau with North West exposure. Everything Muskoka should be is nestled on this .75 private acres boasting a three bedroom cottage, with a family room, woodstove and decks to enjoy the sun. Only 5 minutes to the quaint village of Rosseau this rare opportunity wont last long! Offered Exclusively at $895,700

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Perfect for large families, this beautiful 4 bedroom home with private inlaw suite is carved into a stunning 100 acre parcel of Northern Muskoka. Many out buildings through out the property including a 30 x 60 workshop sugar shack, and storage. Private ponds, maple bush, and nature trails are just a few things this property bring to the table. Offered at $559,700

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Curl up by the fire in this cozy, elegant one-bedroom lower level condo steps from the Grandview golf course. Some features include the private balcony, newer flooring through out, and gas forced air furnace. $199,700

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OUTDOORSMAN'S DREAM Amazing recreational 99 acres, with 750 feet of water frontage on two lakes makes this the perfect Hunt Camp, naturalist Retreat, and cottage property. Private and secluded to unwind, relax, and take in Muskoka. Offered at $289,700

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Enjoy family time with your little piece of heaven. This quaint one bedroom cottage sits in a park like setting with manicured grounds and ample parking for guests. Entertain on long weekends next to the bon fire, and watch the stars, minutes to down town Huntsville with the atmosphere of peace and tranquility. Listed at $159,700

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Offered for the first time a waterfront Gem with 4 bedrooms, 3 bathrooms, walk out basement, access to the four lake system and a location close to all your amenities down town Huntsville. Relax and enjoy Hunters Bay offered at $649,700

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On the door steps of renowned Algonquin Park this 3 bed 1 bath family home sits among 12 acres on the Oxtongue River with 790' of river frontage and a view of your own island. Close to recreation trails, and minutes to Dwight this property has much to offer. Listed at $449,700

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For those of you who experience a Canadian winter, heading into spring can bring some unexpected problems in and around your home. After months of snow, sleet, freezing rain and wet snow, at the very least our gardens and walkways will need some damage-control.

Spring Cleanup After a Harsh Winter

Once the last of the snow and ice has melted, take a tour around the outside of your home to survey any damage or areas for improvement. If there has been a basement or roof leak, be sure to call a professional for an assessment. For yard cleanup, here are five key areas to focus on:

By Julie Achtermeier

1

Clean up De-Icing Salt

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Rake Your Lawn

Many of us use de-icing products to help prevent slips and falls during the winter, but they can also wreak havoc on our lawns. Once the snow has melted, use a broom to remove excess rock salt from the edges of your lawn where it meets the driveway and sidewalk. Apply gypsum (a soft white or gray mineral fertilizer consisting of hydrated calcium sulfate) to any damaged patches of grass and allow time for the area to regrow.

While it may seem obvious to clean up the old, dead leaves and grass from an aesthetics point of view, what many homeowners aren’t aware of is a fungal mold that can live under unraked leaves throughout the winter. In the early spring, as the snow begins to melt, you may notice white or pink patches on your lawn. If the weather stays damp and cool, these patches can persist. It’s important to remove leaves and debris as soon as possible to let the warmer air and sun dry out the area. Fungal spots are unsightly but are not very serious and will often disappear when the lawn dries out. To rid your lawn of snow mold, gently rake the lawn to aerate the grass. Carefully remove any thatch layer once the lawn has dried out and has already been cut once or twice. If the damage is severe, try over-seeding the bare spots. Do not fertilize as it can cause the mold to grow and stay around longer. To avoid this in subsequent years, ensure you rake and remove leaves in fall and do not apply nitrogen to your lawn before winter.

3

Clean up Flower Beds

up any garbage that has blown onto your property. Remove dead leaves, weeds and last year’s annuals from your flower bed, and gently turn over the soil with a garden rake. Cut back any perennials that were neglected in the fall cleanup before they begin to grow again. Add some new garden soil and keep an eye out for weeds that will quickly find a home in fresh, nutrient soil. Once the frost warnings are behind you, visit your local nursery and get planting!

4

Prune Trees and Shrubs

Whether you’ve protected your shrubs with burlap, or let them fend for themselves, winter storms may have damaged the shrubs or trees in your yard. Prune dead branches so that new growth can occur. When to prune healthy wood can be a tricky question but keep this in mind: Shrubs that bloom in spring should be pruned in the fall. Shrubs that bloom later in the season can be pruned in spring. The key is not to prune while they are budding or flowering.

5

Avoid Garden Pest

During the winter, most non-domesticated animals are hibernating, but when spring arrives these little creatures will be quite ravenous. It’s not uncommon to see your perfect crocuses popping their heads up one day, only to be lopped off the next by a hungry rabbit or squirrel. If you struggle with pests, you may need to install a rabbit-proof or deer-proof fence. You can also plant pet-resistant plants in between your favourites to help deter them.

One of the unpleasant side effects of snow coverage during the winter is that unwanted litter can accumulate and hide in the flower beds. Arm yourself with some heavy work gloves and a garbage bag and start by picking

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Linda Baumgartner &

The Haliburton Real Estate Team www.haliburtonrealestate.on.ca • contact@haliburtonrealestate.on.ca Mobile: 705-457-6508 • Office: 705-457-1011 • Toll Free: 1-800-465-2984 191 Highland St, Ste 201, Box 330 • Haliburton ON K0M 1S0

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Broker

LITTLE KENNISIS LAKE 4 season enjoyment. Open concept. Sunken livingroom. Bunkie over large garage. Large sitting deck at water's edge, extensive docking system. Nice clean shoreline has shallow to deep water. Drilled well and septic. $769,000

GULL LAKE 185ft of flat rock & sand shoreline. 2yrs young, quality custom home or cottage. Beautiful views from all levels. Features include Haliburton Room, corner stone fireplace, copper accents & hand carved timbers. 2 adjacent properties also for sale if you are looking for a large family compound with huge frontage & acreage. $1,300,000

KENNISIS LAKE, ELMHURST LANE Spectacular Normerica Timberframe home/cottage. Open lake S/W view from every room. 3BR/3baths incl a fully fin w/o lower level. 2BR guest cabin close to the lake brings sleeping capacity to 18! 280ft shoreline, private & stunning with both shallow pebble beach & deep water ledge. Granite stairs & patios. $2,257,500

SOYERS LAKE, CELESTIAL DRIVE Warm welcoming home/cottage with Timberframe architecture on 2.5 acres. Cavernous ceilings, loft getaway, 3 season sunroom with fantastic view. Hickory floors, wood fireplace, central dining & kitchen with huge island. Double garage, decks & patios. Majestic pines & landscaping make this property a showpiece. $2,199,000

SOYERS LAKE, GRACE ROAD Stunning Timberframe 4BR waterfront cottage or home. Quality finishing inside and out. Oversized insulated double detached garage. Enjoy peace & quiet in this tranquil bay with little boat traffic and easy access to the 5 lake chain! $2,150,000

KASHAGAWIGAMOG LAKE 2800sf custom designed Viceroy. 3BR waterfront home or cottage. Spacious loft & custom copper fireplace. Double attached & insul garage. Perfectly level lot, sunset west exposure & excellent sand beach. 5 minutes to Haliburton village by boat or car! $1,290,000

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MUSKOKA, ON phone: 877-788-1809 OntarioCottageRentals.com

WHY SHOULD I CHOOSE AN AGENCY OVER AIRBNB? There are a lot of benefits to renting your property through an experienced agency. Yet, it seems that many owners are opting to do-it-themselves through advertising websites such as AirBnB – This isn’t always as easy as it seems. Here’s why: 1. SCREENING GUESTS – rental agencies like OntarioCottageRentals.com are trained extensively in screening techniques which allow them to gain all the appropriate information to guarantee a safe rental. Many horror stories from AirBnB have arisen due to unfit groups entering properties and disrespecting the space, often resulting in costly repairs. 2. RENTAL INSURANCE – many insurance companies are not willing to take the risk associated with covering a property rented through AirBnB. Rental management agencies have a good reputation and insurance companies are often more comfortable covering these professionally managed properties. 3. ERRATIC BOOKINGS – Advertising websites like AirBnB are generally used for shorter stays than rental agencies. You may have reservations for 2 nights each with AirBnB, whereas an agency like OntarioCottageRentals.com can line up many weekly rentals which bring in more revenue. Longer stays are also a great way to weed out the partiers! Managing your cottage can soon turn into a full-time job. In most cases, it is sensible to recruit an agency to manage your cottage, rather than relying on websites like AirBnB.

If you are looking to rent your property – contact ONTARIO COTTAGE RENTALS :

877-788-1809 OntarioCottageRentals.com Sheila Givens, MBA MANAGING DIRECTOR

OntarioCottageRentals.com

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2+1 BEDROOM, 2 bathroom home/cottage on the Magnetawan River with easy access into the Doe Lake system. Great swimming and very private with 289 feet of waterfront and 1.79 acres. $249,900 MLS #120834

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NICE IN TOWN HOME with new furnace, gas fireplace, updated kitchen, 2 bedrooms, 2 bathrooms, main floor den that could be a third bedroom and a 20' x 18' garage. $279,900 MLS #124936

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CONVERTED CHURCH with drilled well, propane furnace, lovely loft and plenty of charm. A nice place to live or use as a cottage with snowmobile/atv/ walking trails close by as well as lakes and other recreational activities. $149,000 MLS #108231

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FOUR, 2 bedroom, 2 bathroom homes to be completed by the fall 2018. Slab on grade with infloor heat, attached garage and cathedral ceilings in living room and dining room. $385,000 MLS #114792 and $395,000 MLS #114791

Call, text or email Wyatt for more info on these or any other listing.

THOMPSON REAL ESTATE BROKERAGE Independently Owned & Operated

Downtown Huntsville Office Number: (705) 789-4957 x111

Call/Text 705-783-1061 wyattw@vianet.ca

View all my listings at

WyattWilliamson.com

TERRY PILGER

SUSAN LINK

Sales Representative

DIR: 705-644-1195

E: tpilger@remax-muskoka.com www.terrysellmuskoka.com

Sales Representative

Independently Owned and Operated

405 Muskoka Rd. S. Unit B, Gravenhurst

DIR: 705-646-5352

E:susanl@remax-muskoka.com www.susanlink.ca

SERVICING SOUTHERN MUSKOKA & NORTHERN SIMCOE AREA

$1,259,900

EXECUTIVE WATERFRONT HOME WITH 385 FT OF WATERFRONT Surrounded by tall pines this 2,300 sq ft, 4 bedrm, 2 bath, home was built to embrace nature. Water views from nearly every room. 1.6 acre lot with sand beach & dock. 3 car garage. 10 min. from Bala. 90 min from the GTA Text R798512 to 52187

$269,900

101 ACES OF PARADISE with a Private Pond & Cabin. Borders by Crown Land, this property offers thousands of trails & acres to explore. Ideal for a hunt camp or just hiking & enjoying Nature. Very Private setting. Cabin sleeps 6. 2 hrs from the GTA. Text R719530 to 52187

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$299,900

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2+1 BEDROOM BUNGALOW ON 1.86 ACRES Featuring almost 2,000 sq ft of living space. Lg living room, separate dining room, 3 baths, huge recroom, 2nd staircase to basement - great for kids or turning into in-law suite. Text R719430 to 52187

$399,900

BRICK COUNTRY HOME WITH STEEL SHAKE ROOF! Open concept 2 + 1 bed, 3 bath & double car garage. Walk out basement, Muskoka room for private year-round enjoyment, 1488 sq ft, on 3 acres, 20 min from down town Gravenhurst!

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705.789.4957

info@muskokapropertyteam.com www.muskokapropertyteam.com

BEAUTIFUL FAMILY HOME Sunfilled home features a spacious living rm, good size kit with SS appl, dining area + den off the main foyer. 4 BR, 3 baths, master with ensuite, attached dbl car garage + fully finished lower level, in-law suite potential.

SPACIOUS HOME ACROSS FROM RIVER Square Timber log home offers an impressive Great rm, updated kit, din rm, huge master with ensuite, 4 BR, 3 Baths, games rm with wet bar, hot tub rm, attached dbl car garage + detached garage/workshop.

IMMACULATE HOME IN PORT SYDNEY Fantastic entertaining space offers a sunfilled living rm, open concept kit/din with large island & fireplace, 3 BR, 2 Baths, W/O family rm in lower level. Detached dbl car garage (man cave) 2.71 acre level lot + more!

COUNTRY HOME CLOSE TO BAY LAKE Raised bungalow with unfinished W/O basement on 3.8 acres. 1000 sf on main floor, 3 BR, 1 Bath, open concept plan with lots of natural light. Attached garage. Snowmobile trails & lake access close by.

LAKE ROSSEAU CONDOS Two 1 bedroom, 1 Bath fully equipped studio condo suites offer beautiful living space, complete with fireplace & kitchenette. Enjoy 9 weeks of usage, world class amenities.

WHALLEY LAKE Cute as a button starter cottage has been well kept and offers 3 bedrooms, 1 Bath + W/O to deck. Gentle sloping lot to 102 ft. of waterfront. NW exposure, includes furnishings/contents.

LAKE CECEBE Spectacular turnkey residence offers 4 BR, 2 Baths, hardwood & tile flrs, bright kit, large dining area & beautiful liv rm with wall of windows. Finished lower level, dbl slip boathouse & 3-car garage w/living qrtrs.

LAKE OF BAYS This 3 BR, 2 Bath home offers 265' of shoreline, breathtaking views, SW exposure, dbl car garage, 2 BR, 1 Bath guest cabin. Upgrades include F/A propane furnace, C/A, woodstove, generator, porch & roof.

WILLIAMSPORT RD ACREAGE 4 parcels offered off of Williamsport Rd, just 15 min from Huntsville. Varying terrain, some wetlands, all logged in 2004. 2 100 acre parcels, 200 acres and 295 acres available.

$369,900

$309,900

$999,900

$579,900

$200,000

$1,195,000

$559,900

$279,900

$99,900 - $299,900

Brent Stapleton*** 705-783-4483 Scott Morrison** 705-783-8199 Brandon Stapleton* 705-783-0218 Sue Kirkby* 705-783-1646 ***Broker of Record ** Broker *Sales Rep

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THOMPSON REAL ESTATE BROKERAGE

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K A Y L E Y S A L E S

WOODLAND HEIGHTS

S P A L D I N G

R E P R E S E N T A T I V E

$814,900

Executive 3 bedroom home resting on over 1 acre, landscaped grounds, hardwood ßooring, Muskoka Room, attention to detail and pride in ownership throughout.!

$869,900

WOODLAND HEIGHTS

Upscale home features tons of high end Þnishes, cathedral ceiling, oak ßooring, master retreat, stone Þreplace, new kitchen, in-law suite, and so much more!!

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WOODLAND HEIGHTS

$895,000

LAKE OF BAYS

$1,425,000

Custom home resting atop prestigious Woodland Heights subdivision. Expansive glass from living room to loft with views of Deerhurst Golf Course and Peninsula Lake.

210 feet of frontage, with eastern exposure. 5 bed 3 bath, gourmet kitchen, custom deck w/ motorized screening, guest bunkie, sand beach level lot, made for entertaining!!

PENINSULA LAKE

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$ 2,950,000

Brand new luxury home/cottage on Peninsula Lake! 204.ft.frontage, open lake views in a quiet Bay. Construction tour. has already started. Call now for your personal tour.

EMAIL: KSPALDING@VIANET.CA DIRECT: 705.380.2760 OFFICE: 705.788.2959 WEBSITE: KAYLEYSPALDING.COM

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$1,099,000

Gorgeous Estate w/ views reaching Fairy Lake. Quality craftsmanship, Chefs Kitchen, 5 bed / 5 bath home, Library, Muskoka Room, walkout basement and more!!

T H O M P S O N

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B R O K E R A G E

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Home Improvement Loan Options In Canada There are various ways to fi nance a home renovation depending on the size and estimated cost of the project. Before you start looking into fi nancing options, take a moment to investigate whether you qualify for an energy-savings grant. There are some renovation grants and rebates available across Canada at both the federal and provincial levels. Some are offered by local utility companies so be sure to check online for any that apply to your area. While establishing a budget for your renovation, it may be worth speaking to a fi nancial advisor who can help determine how much you can afford so you can plan realistically. Also consider how handy you are and how much work, if any, you are willing to do yourself to save labour costs.

Personal Loan

A personal loan is a set borrowed amount with a variable or fixed interest rate and a structured repayment schedule. Once the loan is repaid, you must reapply to your lender if you require new funds in the future.

Personal Line of Credit

A line of credit is a popular choice for financing renovations, and many homeowners already have one at their disposal. It is an ideal option for ongoing or long-term home improvements since it lets you access your funds at any time and lets you decide how much to pay back each month. A line of credit will always offer a lower interest rate than credit cards and charges interest only on funds used each month. As your balance is paid off, you can access any remaining funds (up to the limit) without reapplying.

Secured Lines of Credit/Home Equity Loans

Just like a personal line of credit, this option allows you to borrow and repay funds based on your schedule, and your home equity secures the funds. A home equity loan typically has a fixed interest rate while a home equity line of credit typically has a variable rate. Both offer preferred interest rates and are easy to set up. However, initial set-up costs including legal and appraisal fees usually apply, and loan amounts are often limited to 80 percent of your home’s value.

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Mortgage Refinancing

If your mortgage is due for renewal, refinancing your mortgage lets you spread repayment over a longer period at mortgage interest rates, which are usually much lower than credit card or personal loan rates. As with secured lines of credit and home equity loans, this type of financing can allow you to borrow up to 80 percent of your home’s appraised value (less any outstanding mortgage balance). In some cases, you may need to pay initial set-up costs including legal and appraisal fees. Financing improvements at the time of purchase: If you’re purchasing a home and planning improvements right away, it may be worth including the estimated costs of your new mortgage. CMHC Mortgage Loan Insurance can help you obtain financing for both the purchase of your home and the renovations with a minimum down payment starting at 5 percent.

Canadian Grants and Rebates for EnergySaving Renovations Canada Mortgage and Housing Corporation (CMHC) – Mortgage Loan Insurance for EnergyEfficient Homes: https://www.cmhc-schl.gc.ca/en/co/ moloin/moloin_008.cfm Government of Canada Financial Incentives by Province: http://www.nrcan.gc.ca/energy/funding/ efficiency/4947 Government of Canada Rebates and Incentives for Qualified Products: http://www.nrcan.gc.ca/ node/14136

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LUXURY MUSKOKA REAL ESTATE

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Direct: 705-845-0369 OfямБce: 705-789-9677 nicolamackay@royallepage.ca

NICOLAMACKAY.COM 87830.13.11 - Muskoka.indd 15

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8783

Front Porches With More Than Just Curb Appeal

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By Julie Achtermeier There's a lot to be said about having great curb appeal but it's a bonus when you can make your front porch, and yard, more functional as well. Following some basic guidelines can make it a more palatable task and ensure the results are stunning.

The first step is to assess your porch's potential, and limitations. While having a full seating area on your porch may sound tempting if yours is small and confined, too much seating may not be possible. You want your porch to be inviting and look like an extension of your home and gardens.

Establish a Connection Between Make the Front Door a Focal Your Porch and Yard. While a specific Point. The trend these days is to showcase

theme is not necessary, a consistent look will create a beautiful flow from your walkway to your front door. Before tackling the porch itself, trim overgrown shrubs and ensure the pathway is tidy and easy to navigate. An abrupt change from your yard to your porch can create harsh lines and look disorganized. An easy first step for blending the porch into the gardens is to use potted plants which give a seamless flow and adds a punch of colour to your front entrance. For homes with rocks, stone or bricks instead of gardens, use window boxes to add depth and pizzazz to your windows and place tall urns with cascading flowers on either side of your front door. Longer walkways can be edged in hostas or low-lying shrubs to add texture while shorter ones should be kept clean and simple.

Be Unique. If you’re searching for a unique feature to add to your front entrance, consider adding an arbour to the walkway, a handpainted welcome sign, a macramé plant holder or wall art. Adding your own unique touches brings a personalized feel and creates a great topic of conversation.

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vibrant doors painted a different colour than the garage or shutters. Don’t be confined to the tried and true “safe” colour theme of a white garage door and white front door, or likewise in black or beige. If you have a white garage door and flecks of red in the brick, try a red door. Choose a colour that corresponds with the brick colour while enhancing the existing doors and windows. If a coloured front door is a bit too much change, try adding new wall sconces or an overhead chandelier.

B o m g

Include a Seating Area. No matter the size of your porch, designers agree that including an area of seating immediately draws a connection between the inside and outside of your home. For a small porch, place a rocking chair with a colourful cushion beside the door. A wide porch on an older house could showcase an old-fashioned looking bench, or a modern set of two chairs and a table can enhance a newer home. Seating is also a great way to encourage you to spend more time outside engaging with your neighbours, or people-watching over a cup of coffee.

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8783


87830.13.11.Drane_0600 5/9/18 10:41 AM Page 1

Cindy Albrecht Sales Representative

Direct

705.727.2240

Monique Heemskerk

305 Centre St. North, Suite 100 Huntsville, ON • P1H 2P5

Incentive Realty Inc., Brokerage Independently Owned & Operated

Sales Representative

LAKES of MUSKOKA *Realty

realestatemuskoka@gmail.com www.muskokacottages4sale.com

705 739.1300

cindy.albrecht@rogers.com • wwwcindyalbrecht.com $874,900

Cell 705.787.6594

* Brokerage, Independently Owned and Operated

“Turn your dreams into a Muskoka address” $369,000

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BRACEBRIDGE - 1.7 acres and 240’ on Bird Lake. First time offered for sale. 4 season home or luxury cottage (year round municipal road access). 3 Bedrooms and 2 bath. Detached garage with loft. MLS# 30644034 / x4116985 / 124091

BEAUTIFUL LAKE OF BAYS! Porcupine lake is a beautiful quiet lake and this 5+ acre level lot with 1340 ft of frontage could be your dream start for a Muskoka lifestyle.

April Drane, Sales Rep 181 Bay st Gravenhurst • Open by appt.

705- 684-9087 Or Call/Text 416-617-3733 aprilgadsbydrane@sympatico.ca

Cottage Waterfront/Residential/Vacant land $955,000

$629,000

STUNNING, UNIQUE TOPOGRAPHY! Rd access on Kahshe Lake w/ 129' prime SW frontage. 4.7 acres, includes renovated, historic, furnished, 4bd/2bth farmhouse cottage, gourmet kitchen, fp, pine interior 2000+sq & 2bd bunkie, wd fp,dbl garage.

BEACH COTTAGE GETAWAY! All day sun/sunsets. Cape cod style 3bd/3bth, modern finishes, hot tub, bunkie, tiki bar, wd fp, bright, open cottage right on the beach! It's 5 o clock all the time here on Kahshe!

$415,000

$359,000

HUDSON’ S BAY GEM ON KAHSHE LAKE, Kluey’ s Bay. Historic, log cabin with summer porch, kitchen, 3bd/1bth add on, classic Muskoka setting with 150’ beach & sun! Waterside bunkie is perfect hang out spot!

FABULOUSLY PRIVATE 1.9 ACRE LOT w/ deeded access to Kahshe lk, All season 3bd/2bth family cottage. Woodstove LR/DR great room with deck access, Wood finishes, rustic decor touches, comes furnished for family fun!

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5/9/18 5/9/18 12:51:49 11:00 PM AM


Happy New Year!

Understanding why the Canadian Housing Market Has Changed

By Julie Achtermeier

Since the spring of 2017, Canada, and specifically Ontario has seen a dramatic change in the real estate market. With over-inflated prices and bidding wars once the norm, the market appeared to come to a grinding halt over the course of a few summer months last year. While buyers and sellers may have been shocked, experts had been anticipating the change for some time considering the sudden influx of homes for sale as homeowners tried to cash in on the record-high prices, as well as the introduction of several new regulations. To help demystify the curse of 2017 here’s what happened to the housing market.

Stress Test

In October 2017, the Office of the Superintendent of Financial Institutions (OSFI) announced that beginning January 1, 2018, a new minimum qualifying rate would apply to uninsured mortgages, known in layman's terms as the "Stress Test." This change makes it harder for Canadians to qualify for uninsured mortgages and affects consumers with down payments of 20% or more. All federally regulated Financial institutions are now required to qualify your mortgage based on the contractual rate of the mortgage + 2%. (e.g., a 5yr fixed rate mortgage offered at 3.39% would have to qualify at 5.39%. In simple terms, the average Canadian will be eligible for 17-20% less per mortgage approval, and this could mean the difference between living in the town or neighborhood you desire and having to move into other parts of the province that have a lower purchase price.

foreign buyers tax

A foreign buyers tax has been implemented in recent years and months in two of Canada’s largest cities. We saw it first in Vancouver, British Colombia in 2016, and most recently in Toronto, Ontario in 2017. Known as the Non-Resident Speculation Tax (NRST), the new law imposes a 15-percent tax on the purchase or acquisition of an interest in the residential property by individuals who are not citizens or permanent residents of Canada or by foreign corporations (foreign entities) and taxable trustees. Following the new law, purchases of Toronto homes by foreign buyers dropped over the summer of 2017, falling from 7.2 percent to 5.6 percent between May and August. Sales continued to decline throughout the remainder of 2017, specifically in Toronto and York Region. According to the Ontario government, this was the effect they were looking for to create more affordable housing for Ontarians as part of the Fair Housing Plan.

rising interest rates

In July 2017, the Bank of Canada delivered its first increase in interest rates in seven years. In September 2017, they did it again, adding another quarter percentage point, bringing the rate to 1 percent with warnings that more increases were coming over the coming months. Their data showed the Canadian economy had strengthened in the second quarter of 2017 with core inflation measures beginning to edge higher. In January 2018, the Bank of Canada indicated continued strong economic growth as indicators for a further increase to 1.25 percent. The bank did not mention when, or if, more increases can be expected but did state it would remain cautious and continue to assess incoming data such as the economy’s sensitivity to the higher borrowing rates.

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4/24/18 10:13 PM AM 5/9/18 12:51:50


Gerry Zwaal

Sales Representative

Patricia Zwaal Broker

705.787.7888 I pgzwaal@gmail.com I Office: 705.766.2400 CLASSIC HOME ON LAKE OF BAYS - 190 FEET WATERFRONT

$839,000

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This 5 bedroom home, together with a water's edge, 2 bedroom guest cottage with kitchen, dining and washroom facilities offers outstanding value. This is an amazing family friendly retreat, with towering pine trees, 2 docks and beach for watersports, and family fun. Sought after Lake of Bays location, on a level 1.5 acre lot with western exposure is zoned both residential & commercial. This ultimate Muskoka package is also an ideal location for an art studio, or B & B with childrens' play area. Come and enjoy the friendly community of Dorset. Text R297704 to 52187

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87830.13.11.020_0800 5/9/18 10:51 AM Page 1


$369,900

$359,900

BRACEBRIDGE 3 bedrooms, 2 baths in this private home in McCrank Subdivision. Spacious principle rooms, wood burning fireplace. Open concept living/dining/kitchen. Fully fenced backyard with large deck. Side split with partially finished basement. Call today for details.

GRAVENHURST 3 bedrooms, 2 baths on 3/4 acre intown lot. Full unfinished basement waiting for your finishing touches. Double car garage with access to house. Drive to back door with easy ramp entry.

$734,900

$375,000

BEAUTIFULLY MAINTAINED YEAR ROUND 2 bedroom cottage. Fully updated with captivating south west Lake Muskoka views. Well built steps lead down to a solid waterside deck.

BIG CEDAR ESTATES 55+ park just outside of Orillia. Royal home, 2 bed, 2 bath 1275 sq. ft. of bungalow living. All grass cutting, snow removal, water and common element maintenance included in low fees of $230.00 per month. This park has an active community centre and it's own private beach with docks.

$189,000

$289,000

GULL LAKE ACREAGE Water access lot on Gull lake in Gravenhurst, over 11 acres and 541' of Southwest facing frontage. Unspoiled tranquility, build your hideaway this summer.

BIG CEDAR ESTATES 2 bed, 1 bath w/jacuzzi tub in an updated mobile home. Open concept living, kitchen, dining room. Extra space in this unit has an office, and boasts a large sunroom with w/o to back deck. This unit features natural gas furnace w/central air. Brand new reinforced roof & shingles, new vinyl siding, soffit and fascia complete the package.

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Ellen Wiley

Terri Brown

Broker

Sales Rep

cell: 705-788-4060

cell: 705-788-4399

Robertson Real Estate Dorset Brokerage

SOLD SOUTH SHORE DEVELOPMENT OPPORTUNITY $799,000 LAKE OF BAYS 210 FT. OF FRONTAGE, 144 SQ. FT., 0.45 ACRES Text R560894 to 52187

TURNKEY HOME - GARAGE - BOATHOUSE & MARINE RAIL $797,000 KAWAGAMA LAKE 145 FT. OF FRONTAGE, 3,148 SQ. FT., 1.07 ACRES Text R719806 to 52187

4 SEASON VICEROY ROCKWOOD $550,000 KAWAGAMA LAKE 125 FT. OF FRONTAGE, 1,508 SQ. FT., 0.55 ACRES Text R725367 to 52187

635 FT. & ALMOST 4 ACRES $465,000 KAWAGAMA LAKE 635 FT. OF FRONTAGE, 1,237 SQ. FT., 3.95 ACRES Text R719805 to 52187

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3 SEASON STARTER COTTAGE $399,000 KAWAGAMA LAKE 187 FT. OF FRONTAGE, 745 SQ. FT., 0.87 ACRES Text R752631 to 52187

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A TERRIFIC STARTER $375,000 LOWER FLETCHER LAKE 245 FT. OF FRONTAGE, 800 SQ. FT., 1.36 ACRES Text R752634 to 52187

Serving Dorset, Lake of Bays, An Office of 55+ Years Experience

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www.TeamWiley.ca

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Team Wiley

Robertson Real Estate Dorset Brokerage

www.TeamWiley.ca

RARE FIND INDEED! $689,000 ST. NORA LAKE 111 FT. OF FRONTAGE, 2,400 SQ. FT., 0.82 ACRES Text R725354 to 52187

YEAR-ROUND ACCESS $600,000 KAWAGAMA LAKE 825 FT. OF FRONTAGE, 1.92 ACRES Text R734539 to 52187

MODERN RUSTIC PLEASURE $425,000 LIVINGSTONE LAKE 318 FT. OF FRONTAGE, 850 SQ. FT., 0.69 ACRES Text R725369 to 52187

COUNTRY HOME ACROSS FROM PUBLIC ACCESS TO $425,000 KAWAGAMA LAKE 3,500 SQ. FT., 51.3 ACRES Text R539100 to 52187

ROOM WITH A VIEW $295,000 KAWAGAMA LAKE 146 FT. OF FRONTAGE, 650 SQ. FT., 1.01 ACRES Text R719807 to 52187

WELL KEPT COTTAGE $275,000 WREN LAKE 98 FT. OF FRONTAGE, 804 SQ. FT., 0.96 ACRES Text R725392 to 52187

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Kawagama Lake and North Haliburton Premier Office Since 1998

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Main Street - Dorset (Beside LCBO) 87830.13.11 - Muskoka.indd 23

5/9/18 12:51:54 PM


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Professional Realtors of Muskoka

Independently Owned and Operated

Sales Representative

ABR, SRES, Sales Representative

Bonnie Passmore

Dan Pinckard

Direct: (705)783-9066

Direct: (705)787-5404

Direct: (705)787-5300

Frank van der Staay frank@frankvanderstaay.com www.frankvanderstaay.com Text R801181 to 52187

BRACEBRIDGE - Ideal for the first time buyer. Large private & fully fenced yard, above ground pool, large shed with Hydro & huge deck. The main floor is well laid-out and updated. Upstairs is a huge Master bedroom and office with large walk-in closet. The basement has loads of space and is clean and bright. Heating is via economical Natural Gas boiler and radiator system. $237,700

Text R687528 to 52187

bonnie@wesellmuskoka.com www.youronlineagents.com/bonniepassmore

Text R720969 to 52187

2 FOR 1!!! 2 cottages on 1 lot with 350 feet on Lake of Bays! Both cottages are close to the water's edge and the docks supply almost all day sun. Multi family or use one and rent out the other! With TLC, paradise can be found here!! $450,000

I NEED YOUR LISTINGS!!! DEERHURST CONDOS: MUSKOKA COTTAGE WITHOUT THE HASSLE! * Enjoy The Muskoka Resort Lifestyle! * 1 to 3 bedroom suites available * Starting at $144,900

Text R721068 to 52187

Inventory is extremely low so now is the time to sell your home/cottage for top dollar!! Please contact me for a FREE market evaluation!!

Broker

sold@danpinckard.com www.danpinckard.com Text R803074 to 52187

IN-TOWN INVESTMENT OPPORTUNITY on main artery into the downtown core. Over 4 acres of total land zoned with "Mixed Use Residential/ Commercial" & "R4-H: Multiple Residential Zone". Existing buildings include a converted residence with approx 3571 sq ft above grade; incl a 2nd level 3 bdrm owners apt. A must see! $799,900

Text R779980 to 52187

ESCAPE TO THE COUNTRY 3 bdrm, 2 bath brick bungalow set upon 92 wooded acres with rolling hills & seasonal water views. Open concept living, dining, & kitchen areas, a double attached & insulated garage, main floor laundry, rich wood flooring in most areas, & large deck off the solarium. $465,000

Text R703530 to 52187 FAMILY COMPOUND ON LAKE CECEBE with 400 ft of waterfront and 1.61 acres, this family cottage has two docks and three additional cabins which you could rent out. $749,900

FREE TRAILER available for buyers and sellers.

CALL FOR DETAILS

87830.13.11 - Muskoka.indd 24

LD O S ULTIMATE COUNTRY RETREAT! 5800+ sq. ft. home in Port Sydney. 4-5 bdrms, 5 baths, open concept, main floor master w/ensuite & gas FP. In-ground swimming pool & hot tub, on over 2 acres. Detached triple car heated garage w/loft & bathrm & deeded access to the Muskoka River. $679,000

IMMACULATE IN TOWN HOME with seasonal river views. Lots of natural light through large windows, 2 bdrms incl the large master with 4 pce ensuite & private access to the rear yard & deck. 3 full baths & a lower level office/bdrm. Walking trails & amenities close by. $285,900

5/9/18 12:51:55 PM


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