1040 Echo Bay Road, Lake of Bays, ON

$2,595,000
MLS#:X13831384
3 beds
1 baths
1100-1500 sqft
10.0 parking
Residential Freehold
Residential Freehold for sale - 3 Bed, 1 Bath Home at 1040 Echo Bay Road Lake of Bays ON listed at $2,595,000 (MLS# X13831384) - Main View
For Sale
Added:Sep 25, 2026(1 day ago)
Updated:Sep 26, 2026(today)
Last Checked:13 minutes ago

Property Highlights

Welcome to this remarkable Bungalow detached located in the coveted neighborhood of Franklin. Expertly crafted featuring premium wood construction, this residence presents an exceptional opportunity offered at $2,595,000 to acquire a beautiful home in a highly sought-after setting. Designed for both comfortable daily living and elegant entertaining, the layout maximizes natural light, functional flow, and lifestyle utility.

  • 3 Bedrooms and 1 Bathroom
  • Generous living space spanning 1100-1500 sqft on a premium 274 x 427411 ft lot
  • 10.0 total parking spaces available
  • Notable attributes: Water Heater Owned, Primary Bedroom - Main Floor
  • Efficient baseboard heating via electric

Description

Welcome to Portage Trail, a cherished Lake of Bays property that has been loved by the same family since the early 1950s. Meticulously maintained through generations, this special offering combines exceptional privacy, beautiful land and a remarkable connection to the water on the coveted south shore of Ten Mile Bay. Set on over 2 acres with an impressive 274 feet of frontage, the property enjoys wonderful, gentle topography and a natural rock shoreline with both shallow and deep water. The year-round, three-bedroom, one-bathroom Pan-Abode cottage sits remarkably close to the lake with grandfathered setbacks, capturing stunning long lake views and creating an intimate connection to the waterfront-almost like living from a boathouse. A newer two-slip boathouse provides excellent docking and waterfront enjoyment, while an adorable Bunkie just steps from the boathouse offers additional space for family and guests. Mature surroundings, generous frontage and the property's gentle terrain provide exceptional privacy and easy enjoyment of the entire waterfront. Year-round access on a municipally maintained road makes this an effortless four-season Muskoka retreat. Enjoy this adorable cottage exactly as generations of this family have, or consider the outstanding possibilities for future redevelopment. With over two acres, substantial frontage and a number of impressive new builds already established throughout this highly desirable neighbourhood, the property presents an exciting opportunity to create a new family legacy on Lake of Bays. A rare combination of privacy, gentle land, generous frontage, year-round access and exceptional proximity to the water in one of Lake of Bays' most sought-after settings.

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Property Summary

This detached home located at 1040 Echo Bay Road, Lake of Bays is currently for sale and has been available on SousaSells for 1 day. This property is listed at $2,595,000 with an estimated mortgage of $8,638* per month. It has 3 beds, 1 bathroom, and is 1100-1500 square feet. 1040 Echo Bay Road, Lake of Bays is in the Franklin neighborhood.

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* Estimated mortgage assumes a 30% down payment, 4.00% interest rate, and 30-year amortization.
Is this a Good Home for Families?

Yes! Featuring 3 bedrooms and 1 bathroom, this home offers ample space and comfort for growing families in Franklin, Lake of Bays.

Highly Recommended for Families
What We Love About This Home
  • •3 spacious bedroom layout offering versatile living space
  • •1 well-appointed bathroom
  • •1100-1500 sqft of generous functional square footage
Standout Features & Layout
Who Should Buy This Home?

Families, couples, or downsizers looking for a well-proportioned home in Lake of Bays.

Target Buyer Match

Key Features

Bedrooms
3
Bathrooms
1
Kitchens
1
Living Area
1100-1500 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
Price$2,595,000
AddedSep 25, 2026 (1 day ago)
UpdatedSep 26, 2026 (today)
Last Checked13 minutes ago
Transaction TypeFor Sale
List Office NameChestnut Park Real Estate

Property Details

Property Sub-TypeDetached
Architectural StyleBungalow
ConstructionWood
BasementNone
Lot Size274 Ă— 427411 Feet
CountyMuskoka
Annual Tax$7,971
Legal DescriptionPCL 9844 SEC MUSKOKA; LT 1 PL M141 FRANKLIN; LAKE OF BAYS ; THE DISTRICT MUNICIPALITY OF MUSKOKA

Parking & Garage

Parking Total10.0
Parking Space10
Garage TypeNone

Heating & Cooling

Heat SourceElectric
Heat TypeBaseboard
CoolingNone

Features

Property Features

None listed

Interior Features

  • Water Heater Owned
  • Primary Bedroom - Main Floor

Security Features

None listed

Community Features

None listed

Property History

No historical data available for this property.

This could be the first listing for this address.

Lake of Bays Home Buyer Advisory & Market HubActive MLS® Listing in Lake of Bays, Ontario

Looking to Buy a Home in Lake of Bays?

If you are looking for a house in Lake of Bays or researching Lake of Bays real estate for sale, this 3-bedroom detached at 1040 Echo Bay Road, Lake of Bays, ON offers an exceptional opportunity to buy a home in Lake of Bays, Ontario. Whether you are a first-time Lake of Bays home buyer or comparing active Lake of Bays MLS® homes for sale, working with a dedicated Lake of Bays buyer agent ensures you receive priority showing access, unrepresented buyer protection, and aggressive price negotiation.

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Dedicated Lake of Bays Buyer Agent

Under Ontario REBBA/TRESA regulations, the listing brokerage is legally bound to the seller's financial interests. Work with an experienced Lake of Bays realtor & real estate broker who represents you 100%—at zero cost to you as a buyer.

Lake of Bays Buyer Budget & Costs

Estimated mortgage: $8,638*/month*. Estimated Ontario Land Transfer Tax: $51,350. First-time Lake of Bays home buyers may qualify for up to $8,475 in rebates.

Frequently Asked Questions: Buying a Home in Lake of Bays

Frequently Asked Questions about 1040 Echo Bay Road, Lake of Bays, ON

Q.What is the asking price for 1040 Echo Bay Road, Lake of Bays, ON ?

The current listing price for 1040 Echo Bay Road, Lake of Bays, ON in Franklin, Lake of Bays is $2,595,000.

Q.How many bedrooms and bathrooms does this property have?

This property features 3 bedrooms and 1 bathroom across approximately 1100-1500 sqft.

Q.What property type and architectural style is 1040 Echo Bay Road, Lake of Bays, ON ?

1040 Echo Bay Road, Lake of Bays, ON is a Detached (Bungalow) featuring a None basement.

Q.What interior features are included in this home?

Interior highlights include: Water Heater Owned, Primary Bedroom - Main Floor.

Q.Is parking available at this property?

Yes, this property offers parking space for 10.0 vehicles (None).

Q.What heating and cooling systems are installed?

Heating is provided via Electric and cooling via None.

Location

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1040 Echo Bay Road, Lake of Bays, ON

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Neighborhood Safety Index

Neighborhood Safety & Crime Analytics

Franklin, Lake of Bays

SAFETY RATING9.4 / 10
Low Incident Area
Total Annual Incidents35 incidents / yr
Average Per Month2.9 incidents / mo
Population BenchmarkArea Average residents
Personal Safety
Very Low

8 assaults (30.0/100k)

Property Security
Very Low

8 B&E (30.0/100k)

Auto Theft Risk
Low Risk

10 thefts (35.0/100k)

1-Year Trend
â–Ľ 6%

Improving vs previous year

How Per-Capita Rate (Per 100,000 Residents) Is Calculated:

Formula: (Annual Occurrences / Population) Ă— 100,000. This standard policing calculation normalizes incident frequencies across different population sizes, allowing accurate safety comparisons between quiet residential pockets and dense urban centres.

Source: Official Police Services ArcGIS Open Data
Halton & GTA Police Network

Disclaimer: Crime and safety analytics are compiled from official municipal and regional police open data records for general consumer informational and demographic research purposes only. Data is deemed reliable but is not guaranteed and does not constitute a legal representation or guarantee of future safety.

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Pricing & Value Insights

Data-driven valuation for 1040 Echo Bay Road, Lake of Bays, ON P0B 1A0

Estimated Sales Range
$2,465,000 - $2,543,000

Based on 0 recent similar sales in the pocket.

Market Speed
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Properties in this area are selling at a steady pace.

Market Trend
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Mortgage & Affordability Audit

Calculate your monthly payment, minimum downpayment, and land transfer taxes for this home in Lake of Bays.

Configure Loan Settings

Interest Rate4.00%
Down Payment$778,500 (30.0%)
* Minimum Canadian down payment required for this price is $519,000.
Amortization Period30 Years
Estimated Monthly Payment$8,638Based on a loan of $1,816,500 over 30 years.
Purchase Price$2,595,000
Loan Amount$1,816,500
Provincial Land Transfer Tax:$51,350
Total Estimated Closing Taxes:$51,350

About Purchasing a Home in Lake of Bays, ON

For a property listed at $2,595,000 in Lake of Bays, the legal minimum down payment is $519,000 under current Canadian banking regulations. This calculation applies a 5% requirement on the first $500,000, 10% on the next $499,999, and a flat 20% on any amount exceeding $1,000,000.

Additionally, buyers in Ontario must budget for the Provincial Land Transfer Tax, which is estimated at $51,350 for this transaction. As this listing is in Lake of Bays (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $51,350.

Similar Listings in Franklin, Lake of Bays

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Franklin, Lake of Bays Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for Franklin, Lake of Bays.

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$4,051,633

People & Families

Age Distribution

Household Composition

One-person households
25%
Families with children
50%
Couples without children
24%
Other households
0%

Top Ethnic Origins

Chinese11%
English9%
Indian9%
Irish8%

Best Schools in Franklin, Lake of Bays

Elementary Schools

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Secondary Schools

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Franklin, Lake of Bays Demographic Home information

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied65%
Rented35%

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Notice: Market Insights are generated by analyzing real-time data and should be used for informational purposes only. Consult with a licensed professional for exact valuations.

Disclaimer: AI Insights are generated by an automated system and should be used for informational purposes only. While we strive for accuracy using current market data and deep-learning models, these assessments do not constitute professional real estate, legal, or financial advice. All property values, predictions, and scores are estimates. We strongly recommend verifying all property details and conducting independent due diligence with a licensed professional before making any purchase decisions.

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