1118 Pine Lake Shores, Bracebridge

$799,999
1118 Pine Lake Shores

$799,999

New
21d
DetachedBungalow

1118 Pine Lake Shores, Bracebridge

Total Monthly Obligation $3,988

Beds
4
Baths
1
Park
6
Sqft
700-1100
DOM
21d
Score
16
Yield
3.8%
Cash on Cash
-8.0%
Cap Rate
2.9%
5Y IRR
9.3%
10Y IRR
9.7%
Property Type-Detached
MLS® Number-X13853588
Beds-4
Bathrooms-1
Size-700-1100 sqft
Lot Size-129.43 × 499.95 ft
Listed on site-Oct 2, 2026
Style-Bungalow
Building Type-Detached
Taxes-$4,633.94 (2025)
Parking-6 - None
Basement-None
Heating-Baseboard (Electric)
Brokerage-KELLER WILLIAMS REFERRED URBAN REALTY
Cooling-None
Laundry-No
Fireplace-Yes
Pool-None
Facing-North
Exterior-Vinyl Siding
Roof-Shingles
Foundation-Piers
Sewer-Septic
Possession-TBD
Neighbourhood-Oakley
Title-Residential Freehold

No agent assigned

Pine Lake, just outside Bracebridge, two hours from the GTA - 129 feet of water frontage on just over two acres, southern exposure, & a quiet bay set on a spring-fed lake over 40 feet deep. The two acres are bordered by roughly 200 additional protected acres the surrounding owners hold shares in; a scale of protected land rarely paired with a Muskoka waterfront property. The shore road allowance is owned too, giving flexibility to build toward the water that most lots on this lake don't have. The bay is set apart from the main body of the lake, so boat traffic barely reaches it - mornings & evenings stay genuinely quiet. A private dock and a sandy, gently sloping entry make it an easy walk-in for kids or anyone who'd rather avoid a steep or rocky approach. Neighbours & visitors often say this is the best view of the lake, & once you see it, it's not hard to see why. The access road is private and maintained year-round, so there are no winter access issues. The cottage itself is move-in ready, with amenities buyers don't expect in a cottage - high-speed internet, cell service, a full laundry hookup, potable well water, garbage pickup, and updated kitchen appliances. Add a wood stove, a rebuilt Muskoka room that pushes living space past 1,300 sq ft, and a separate bunkie for guests, and it's set up for real use well beyond the short summer window. A future four-season conversion is available for a buyer who wants to take it further, but nothing here needs that to be enjoyed as-is.At this price point on Pine Lake, the combination of protected acreage, pristine water, and year-round road access is hard to replicate - worth seeing in person before comparing it to anything else on the market.

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$
%
%
$
$
$
(utilities, internet...)
$
%
%

Closing Costs

Mortgage Amount
$639,999
Land Transfer Taxes$12,475
Legal Fees (Est.)
$
Total cash required for closing$173,975

Total Monthly Obligation

$3,988/mo
Mortgage $3,227
Monthly Loss $3,139
Principal$849
Interest$2,378
Property Tax$386
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
2.2%13
Cash-on-Cash
-12.1%0
5-Year IRR
6.1%15
10-Year IRR
7.6%
Returns Index
8.6/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
16/ 100
Avoid•Pass

Strategy: Buy & Hold — Weights: CFI 35% · RI 25%
RKI 20% · GI 20%

Assumptions & Inputs
$/mo
%
$
yr
%
Cash Flow
Weight: 35%
Gross Rent
$30,000/yr
NOI
$17,866/yr
Net Cash Flow
-$1,738/mo
Cash Margin
-69.5%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.464
LTV Ratio
80.0%18
Vacancy Buffer
2.4 mo39
Risk Index
20.4/ 100

*This analysis is independently generated NOT provided by TREB or CREA.

Comparables

Properties near 1118 Pine Lake Shores

Time

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