Muskoka Cottage Real Estate Market Update for 2014/2015

SPRING MUSKOKA NEWSLETTER 2015 THE GARDINER TEAM

The recreational resale market started rela- Both in Lake of Bays and the Haliburton tively slowly in the spring of 2014. Although Highlands sales activity declined in 2014. weather conditions were not as extreme On Lake of Bays there were 84 MLS® this year as last, they were severe enough reported sales in 2014, down from the that they negatively impacted the early 89 reported in 2013. In the Haliburton market. However as the year progressed Highlands there were 246 sales, also a the number of available properties for sale decline from the 250 achieved in 2013. increased and with an increase in inventory, These results are somewhat surprising sales also increased. Overall, 2014’s predic- given the fact that price points in these tions proved to be wrong in that year-end areas are substantially lower than on the results exceeded forecasts. This is due Muskoka Lakes. primarily to the strength of the region’s Jim & Iris Gardiner The explanation no doubt rests in the most expensive area, the Muskoka Big fact that with an economy that sputtered Brokers Lakes. In 2014 overall recreational property 705.646.7358/6367 in 2014, the economic sector of our soci- sales for the Muskoka-Haliburton-Orillia ety with less discretionary money simply region increased by more than 10 percent was not buying. It should be noted that Lesley-Anne Goodfellow compared to 2013. In 2013 there were 794 Sales Representative Huntsville showed an increase of 15 reported sales. That number increased to 705.787.6110 percent in sales, but modest in actual 892 recreational property sales in 2014. numbers: 26 sales in 2013, up to 30 sales The increase was primarily due to the in 2014. sales activity on Muskoka’s Big Lakes, In the Muskoka and area market place, Rosseau, Joseph, and Lake Muskoka. unlike a large metropolitan urban market Over the last three years that region has place, it is very difficult to determine shown strong growth, and given that increases or decreases in average sale it is the most expensive area to buy a prices year-over-year. There are so many recreational property, surprising growth. variables involved in recreational prop- For example in 2012 there were 205 erty prices – location, exposure, water www.chestnutpark.com reported sales on the Muskoka Lakes. depth and access to name of few, that That number increased to 223 in 2013. it is almost impossible to create a com- 110 Medora Street In 2014, 266 recreational properties were parable universe of properties. Some P.O. Box 444 reported sold, a startling increase of comparables are, however, possible. Port Carling, Ontario almost 20 percent, dramatically exceed- In the most expensive and active recreational P0B 1J0 ing the results achieved in other areas market place there was some startling data where Chestnut Park represents buyers and sellers of recreational real estate. Continued on page 4

COTTAGESINMUSKOKA.COM What’s Been Happening in

The winter of 2013/2014 was another hours of hair dryer warming of engines, their Muskoka real estate needs. This prolonged affair, lasting into early May and lots of jump-starting before we referral component of our business in some areas. With over 20 feet of had all machines running. Even then continues to grow year over year. snowfall over the course of the winter it we could only travel at slow speeds Our Team relies on many other profes- was a constant battle to keep driveways as the wind chill was below -50°C. A sionals to complete a real estate trans- and sidewalks open. For the first time in one-hour trip to a restaurant was all the action. A special thank you goes out quite a few years, many cottage owners gang could endure. While warming up to all the lawyers, bankers/mortgage and local residents felt the need to have (thawing out?) in the hot tub after our brokers, appraisers, advertisers, sign their roofs shovelled off, in order to return, Iris and I decided that perhaps makers, home inspector, website gurus, minimize the potential for serious dam- less snowmobiling and more golf in Real Estate Board staff, insurers, and co- age from the weight of the snow itself, warmer climes was in order. operating real estate agents, brokers and the possibility of rainfall adding During our slower paced time over the and staff who all contribute to bring our to that weight. Fortunately, we didn’t winter we were able to spend some time real estate transactions to a successful have the “perfect storm” conditions in Florida, visit Zihuatanejo, Mexico and efficient conclusion. Thank You!!! of frozen ground, high temperatures and enjoy a European River Cruise. and torrential downpours of rain like Once again, our travels reminded us Our licenced assistant, Lesley-Anne we experienced the year before. When how fortunate we are to be able to live Goodfellow, had an outstanding year of melting conditions did finally arrive, in and enjoy such a diverse, beautiful, condominium sales in both Bracebridge they did so in a somewhat controlled ever-changing and safe region of the and Huntsville. With her background as manner, keeping the flooding and high world called Muskoka. Current events the builder’s sales representative for her lake levels well below last spring’s levels. unfolding around the world as I write father’s many condominium projects, The long drawn-out winter resulted in a this newsletter just reinforce this belief Lesley-Anne has an intimate knowledge seriously delayed start to the cottage even further. of the various condominium projects in real estate selling season, but when it Muskoka, and is well positioned to assist did start, it did so with gusto! This year, 2014, was another inter- both local residents, retirees and cot- esting and rewarding year for the tagers who are selling their recreational Along with the unusual amount of snow Gardiner Team. We would like to thank properties but still want to maintain a we experienced, we also had many our many Seller and Buyer clients who presence in Muskoka. incredibly cold nights. Iris and I were have contributed to making 2014 such away on our annual “Bride Ride” snow- an enjoyable and successful year. We Our daughter Amanda’s real estate mobile trip with 3 other couples in late sincerely thank you for your business career continues to progress nicely. In January, when we awoke one morning and your referrals of family members, 2014, she joined the Heaps-Estrin team, to -38°C temperatures. It took over 2 friends and business associates for one of Canada’s top performing real

2 estate teams at Royal LePage. In her Freed Development announced that off. It’s a beautiful property and should new position, Amanda is the licenced it was partnering with Touchstone and not remain in its current state. assistant for Cailey Heaps Estrin, the would oversee the second and third As I’m writing this part of the newslet- team principal and will also assist her phases of development at the resort. ter, I have just heard that Taboo Resort own Buyer and Seller clients with their Once complete, this effort will result is shut down indefinitely, possibly for real estate needs in the central Toronto in 66 new 1 to 4 bedroom freehold all of 2015, as a result of an electrical market area. Amanda is still extoling condominiums being added to the fire in October. Further investigation the virtues of downtown Toronto’s many existing 33 fractional units. Freed is the after the fire has apparently revealed attractions and resides there with her developer behind the Muskoka Bay serious deficiencies in the electrical fiancée Billy. If you or anyone you know, Club in Gravenhurst and should add work done during the most recent have need for top flight real estate ser- the necessary experience and capabili- renovations. Where were the local vices in the finer areas of Toronto, please ties required for Touchstone to finally municipal building inspectors and the give Amanda a call at (647) 923-2238. achieve its full potential. I expect that the existing unit holders will be quite Ontario Electrical Safety Authority Our son Shawn continues to expand pleased with this announcement. when this work was undertaken? his cabinet and fine furniture making skills at Lakehouse Cabinetry in Port On other resort fronts, Lake Muskoka’s Muskoka’s Restaurant Carling. It seems he can’t get enough Patterson-Kaye Lodge is now under Scene Continues to of working with wood at his day job, Power of Sale, after the new owners so he has started a hobby business invested over $2M in renovations and Evolve of making beautiful wooden trays expansion. Very sad! Deerhurst Resort Every year there are many changes to and boxes, using re-claimed antique in Huntsville is facing opposition from the range of restaurants operating in woods and logo-stamped wooden neighbours to its $400M expansion Muskoka, and 2014 was no exception. plans for new condos, cottages and a wine crates. Check out his website at As is often the case, Port Carling is village centre, modeled after the Village www.BespokeYourWood.com to see the area where most changes in dining samples of his work. of Blue Mountain in Collingwood. The new owners of the Riverside Inn in options occurred this past year. Rebecca’s Resort and Commercial Bracebridge have recently completed Fine Dining has now become Medora, a major renovation of the building, under new ownership. Medora’s focus Development including the restaurant, which was cer- is casual fine dining and they have mas- Simon Hirsh’s residential/commer- tainly needed. At the old Bangor Lodge saged their menu during their inaugural cial project beside the locks in Port property on Lake Muskoka, almost all season, having listened to the input from Carling has made a great leap forward the resort buildings have been demol- their dining clients. It’s a restaurant well during 2014. The main residential ished, and the waterfront has now been worth a visit. As mentioned earlier in townhouse structure is fully closed in broken up into cottage building lots, this newsletter, there will be a new café and interior finishing is underway. The which are now for sale. On Lake of located in the log cabin that has been Scandinavian log building at the road Bays, the old Britannia Resort property erected on Simon Hirsh’s Edgewater side, which will become a café, is also has been sold for $8M and is rumoured site beside the locks. We’ve heard that fully enclosed with interior finishing to have been purchased by a neigh- Ella’s Restaurant is for sale but for the underway. The excavating work for bour. Sherwood Inn on Lake Joseph moment, it continues to be business as the residential/commercial building is celebrating its 75th anniversary and usual – which is a good thing. The Black is now complete. Once fully finished, 15 years of ownership by Clublink. It’s Olive restaurant, located across the I believe this development will be an a great place to spend a day or two, street from the Chestnut Park offices, has attractive addition to the Port Carling especially if you can get a Travelzoo or been sold and significantly renovated waterfront and business community. WagJag coupon. by the new owners. Unfortunately, the The unfinished Green Slate Inn proj- renovations were not completed in time In Bracebridge, the Waterways devel- ect remains in a dormant state, which for a re-opening in 2014. opment located beside the bridge is a shame as I feel it could be quite over the Muskoka River remains in In Bracebridge, the Main Street Deli on attractive if the developers could ever receivership. Nothing appears to Manitoba Street is gaining a loyal fol- get it finished and sold. have changed over the last year, but lowing. It’s the kind of place that people The development of Touchstone hopefully there are things happening go back to time and time again, as the Resort, the fractional ownership behind the scenes that will result in this food is always delicious, and the prices resort operation located on Hwy very visible project being completed. reasonable. A new, very large, restaurant 118 west of Bracebridge, continues There are rumours the unfinished named Cabana, has opened in the old to evolve. In recent press releases, property elements will be auctioned Field’s property, across from Shopper’s

3 What’s Been Happening in (continued)

Drug Mart. If you’re in the mood for a having now launched stage two of its including, but not limited to: the Caribbean setting, complete with sand design consultation process by form- incorporation of educational elements beach, this is the place to go. ing the Bala Design Committee. and a lookout; possible exterior clad- ding options; making the facility a In Huntsville the biggest news is Stage one of this process was com- that the Cottage Restaurant on the pleted earlier in 2014, when SREL “destination” for Bala; respecting that waterfront has ceased operation launched its design concept survey, the north face will likely be a backdrop and a Boston Pizza will open on the accessed through the project website for future weddings and other photos site in the near future. In Rosseau, and advertised in local newspapers taken from Margaret Burgess Park; Crossroads Restaurant has greatly and through social media. and size, location and orientation of expanded its outdoor patio area on the building. Updates on the progress Stage two is the meeting with the to the old gas bar area. This is a very of the Bala Design Committee will be Bala design committee to review the popular place in the summer, with posted on www.balafalls.ca under the results of the stage one survey and to diners arriving by both car and boat. Design Consultation button. provide specific design input to the project architect, who will ultimately One final comment on this project – Bala Falls Hydro Project develop the exterior design for the given that the voters of Muskoka Lakes Update facility. According to a release from Township have replaced Alice Murphy According to an article in the Examiner- SREL, the committee members have with Don Furniss as Mayor, it is antici- Banner, Swift River Energy Ltd (SREL) shared design ideas they would like pated that this project will progress in continues to move this project along, to see incorporated in the design, a less confrontational manner.

Muskoka Cottage Real Estate Market Update (continued) when 2013 is compared to 2014. In 2013, advocates of island cottage living but percent in the last quarter of 2014. 30 properties were reported sold having the attractive pricing of entry-level Unfortunately this increase in average a sale price of $ 2 Million or more on the mainland properties present strong sale prices was not in tandem with three big Muskoka Lakes. In 2014 that competition. There were very few substantial increases in sale numbers. number increased by 66 percent to 50 waterfront condominium or fractional Chestnut Park and its sales representa- properties reported sold. In 2013 there recreational sales this year. were no properties reported sold having tives were responsible for almost $ 250 a sale price of $ 6 Million or more. In Another change that occurred in 2014 is Million in property value sales. This 2014, 3 properties were reported sold in the narrowing of the difference between exceeds the firm’s next best year which this price category, one of them having a the sale price of high-end properties and was 2007 by more than 11 percent. In sale price of more than $ 7 Million. These their list price. On average the sale price 2007 Chestnut Park’s agents engaged numbers do not necessarily indicate that to final list price ratio was approximately in more than $ 220 Million in recre- average sale prices increased, but they 94 percent. In 2013 and earlier the sale ational property sales. Chestnut Park’s do indicate that buyers had an appetite price to list ratio was less than this. In Port Carling office sales exceeded its for more expensive recreational proper- 2014 the average sale price to original next closest competitor brokerage ties, something that has not occurred list price ratio was 85 percent, while in office by almost 120 percent. prior years it was less than that. If noth- since before the last recession in 2008. Looking forward, and barring any ing else this demonstrates that in 2014 We also know that there are a number unforeseen shocks to the economy – buyers’ expectations were more closely of “spec-built” projects underway which the recent meltdown of the stock aligned with what sellers and their sales will have price tags exceeding $ 6 Million. market, the dramatic drop in oil prices, representatives believed their properties In 2014 there were 2 properties on the and the recent exchange rate changes were worth. No doubt this was a major market with asking prices exceeding $ 10 for the Canadian dollar are disconcert- contributing factor to the strong sales Million, both of which failed to sell. ing – 2015 should be a year similar numbers for recreational properties on to 2014. Assuming inventory levels Newer or well-renovated cottages on the Muskoka Lakes. smaller lakes and rivers remain popu- remain high, anticipate an increase in lar due to their price point. Island With respect to the rest of the recre- sales volume by about 3 to 5 percent. property sales were a challenge this ational market place, data obtained As always, it is fundamental that Sellers year, with only 14 of the 45 available from Muskoka-Haliburton-Orillia, The price their properties realistically. Any properties finding new owners – 6 Lakelands Association of REALTORS® undue exuberance in pricing will result of which the Gardiner Team helped indicates that the average sale price for in properties lagging on the market, facilitate the sale. We remain strong recreational properties increased by 12 often beyond one season.

4 OPP Policing Costs to Jump in Muskoka Hanna’s OPP costs are about to rise in many municipalities across Ontario, including Landing Update Muskoka. The new billing model will take effect Jan 1, 2015, and according to Julie Stevens, the District’s commissioner of finance and corporate ser- According to an article in the vices, Muskoka will see a rise in costs of about 45 percent for police services. Bracebridge Examiner, the end Municipalities are looking at a cost split of 60/40 between a base cost and calls appears to be near for the controversy for service. All municipalities across Ontario will pay the same $203 for base over the planned subdivision located costs, per property. Calls for service will obviously vary from municipality to on the old Glenwood Trailer Park municipality, and year to year. Properties will include residential, both permanent site with frontage on the Indian River and seasonal, and commercial. The new billing will transition in over 5 years, with and Mirror Lake. On September 22, annual increase capped at $40 per property. Of note is the fact that any future the Ontario Municipal Board (OMB) salary increases will additionally affect the billing, and will be equitably split ratified a zoning agreement that was between the two main cost catalogues. Expect higher tax increases for these reached between Hanna’s Landing Inc services as the years roll by. and the Township. Unfortunately, it cost the Township an expensive OMB hearing, as the Township Council Making the Search for a new demonstrated neither the inclination nor the competence to deal with the Muskoka Cottage EASY! zoning application within the existing regulations and consistently ignored If you, a family member or a business colleague are in the market for a Muskoka the advice of their own Planning cottage property, or just want to keep tabs on what’s happening in the Muskoka Director to circulate the application cottage real estate market, please let us know and we will be happy to set you to area stakeholders and the public, up on our automated cottage listing service, called PROSPECTOR. This FREE according to Jeff Goldman, principle service will email you MLS® listings for newly listed properties, or currently listed of Hanna’s Landing Inc. According to properties that have just had a price reduction, that match your custom search Hanna’s Landing press release, the criteria up to 24 hours before they appear on REALTOR.ca zoning decision for the property con- firms that it may contain up to 321 res- If you would like to be added to this service, please give us a call or let us idential units and 3,982 sq. ft. of dock know by email at [email protected], with the subject line “Prospector area on the Indian River. Once built, Service”. Please include your basic search criteria, such as desired investment at least 15 percent of the units will be range, desired lakes, number of bedrooms, boathouse, etc. and we will tailor classified as attainable in accordance your search to these criteria as much as our system will allow. with the criteria determined by the District of Muskoka. The Gardiner Team’s New Website

We have now implemented the 4th revision of our website www.CottagesInMuskoka.com Our fundamental objective was to make our Free Monthly website one that current and aspiring cottage owners could turn to on a regular basis for a wealth of useful information, both real estate related, and otherwise. Newsletter! The highlights of our revised website are as follows: We produce a free monthly • The website is now mobile compatible newsletter that is emailed to • Cottage real estate performance charts updated monthly subscribers. This newsletter features articles of current interest • A constantly updated directory of service providers endorsed by ourselves to home and cottage owners. If and/or our clients (please feel free to contribute) you would like to subscribe to • Advice for both potential Buyers and Sellers this newsletter, free of charge, please send us an email to • Regularly updated calendar of events in Muskoka (please feel free to contrib- [email protected] with ute by sending us an email if you know of an interesting upcoming event) “Monthly Newsletter” in the • Regular blog with cottage life related subjects subject line. Note that under our privacy policy we will not sell You can also “Like” our 2 Facebook pages - Cottages In Muskoka and 365 Things or otherwise provide your email To Do In Muskoka. If you know of a Muskoka event please post and we will re-post. address to third parties, and you We continue to strive to make our website relevant and useful to you, the cottage can unsubscribe at any time. owner. Please let us know of any further improvements you would like to see us make.

5 Muskoka Cottage Market Watch Listings and Sales by the Numbers Unit Sales Volume – Summary of Waterfront Cottage MLS Listings and Solds for the last 4 years by area as reported by The Lakelands Association of Realtors and the Parry Sound Real Estate Board. # of Waterfront Cottage Listings # of Waterfront Cottage SOLDS Area/Type 2011 2012 2013 2014 2011 2012 2013 2014 Muskoka Lakes Twp 548 525 571 651 210 206 221 267 Bracebridge 100 81 92 109 40 37 34 49 Gravenhurst 158 188 137 169 53 72 51 68 Seguin 146 120 114 117 40 44 42 33 Total Muskoka Lakes 946 914 910 1046 336 358 347 417 Lake Joseph 93 77 77 68 34 29 23 32 Lake Rosseau 80 88 93 77 34 35 40 37 Lake Muskoka 239 237 205 200 94 91 76 99 Lake of Bays 77 81 72 72 28 33 27 25

Sales by Dollar Volume – Summary of Waterfront Cottage MLS Listings and Solds for the last 4 years by area and price range as reported by the Muskoka and Haliburton Real Estate Board and the Parry Sound board # of Listings # of SOLDS Area/Type 2011 2012 2013 2014 2011 2012 2013 2014 Muskoka Lakes Twp Over $3M 43 53 61 53 11 10 13 18 $1M-$3M 181 165 167 155 63 62 55 64 Under $1M 327 316 340 439 137 136 152 184 Bracebridge Over $3M 2 0 2 2 0 0 1 0 $1M-$3M 6 8 9 6 1 2 3 3 Under $1M 90 73 79 95 38 33 30 44 Gravenhurst Over $3M 0 0 0 2 0 0 0 0 $1M-$3M 27 22 16 27 5 6 1 8 Under $1M 127 157 122 127 47 65 50 59 Seguin Over $3M 1 0 0 0 0 0 0 0 $1M-$3M 3 5 7 3 1 1 0 1 Under $1M 144 115 107 108 47 43 42 32 Total Muskoka Lakes Over $3M 46 53 63 57 11 10 14 18 $1M-$3M 217 200 199 191 70 71 59 76 Under $1M 688 661 648 769 267 269 274 319 Huntsville/Lake of Bays Over $3M 4 5 4 5 1 0 0 2 $1M-$3M 40 48 36 47 11 12 11 6 Under $1M 275 263 260 261 92 103 103 107

6 Township of Lakes Muskoka, Rosseau and Joseph, over $500,000 Muskoka Lakes 95 92 94 Zoning Bylaw

71 As discussed in last year’s newsletter, the Township has undergone a 48 complete review and update to its Comprehensive Zoning Bylaw 87-87. 36 33 35 This proposed bylaw is pretty well cast in stone and is expected to be 19 approved soon by the newly elected 14 11 11 Council. In last year’s newsletter I summarized the major changes being 2011 2012 2013 2014 made to this bylaw. For a more detailed description of the changes, a copy of .5M – 1.5 M 1.5M – 3M 3M the Citizen’s Guide to Zoning Bylaws Average Price of Lakes Muskoka, Joseph and Rosseau Sales Over $500,000 and instructions on how to check your own property’s zoning, I suggest you $1,900,000 go to www.MuskokaLakes.ca and click $1,845,255 $1,800,000 $1,807,034 on “Zoning By-law 2014-14” and then scroll down to the document of inter- $1,700,000 $1,684,205 $1,668,563 $1,686,543 est. It’s well worth the journey to bet-

$1,600,000 $1,611,711 ter understand what you will and will $1,579,729 $1,578,285 $1,560,050 not be able to do with your property, $1,510,708 $1,500,000 in the near future.

$1,408,718 $1,443,905 $1,400,000 $1,418,249

$1,337,374 $1,300,000 $1,327,543 Selected Sales From Average Original List Price $1,200,000 Average Final List Price the 30 Properties Average Sale Price $1,100,000 Valued at over $34

$1,000,000 Million The Gardiner 2010 2011 2012 2013 2014 Team Sold in 2014 Real Estate Brokerage Performance in 2014

Muskoka Haliburton Orillia – The Lakelands 6,250,000 A breathtaking point on Lake 2014* Rosseau 140000000 3,250,000 CHESTNUT PARK 120000000 MUSKOKA Close to perfect point and cove ROYAL LEPAGE on Lake Muskoka PT CARLING 100000000 HARVEY KALLES PT CARLING 999,999 RE/MAX HALLMARK Heaven on Earth-Bruce Lake PT CARLING 80000000 CAYMAN MARSHALL PT CARLING 829,000 FOREST HILL PT CARLING Well maintained `Olde` Lk 60000000 SOTHEBY’S Muskoka cottage PT CARLING RICHARD WALLACE R.E. 40000000 PT CARLING 599,000 BOSLEY Birch Island Lake Muskoka PT CARLING cottage 20000000 449,900 0 Spacious Bracebridge Legends *Chestnut Park CHESTNUT ROYAL HARVEY RE/MAX CAYMAN FOREST HILL SOTHEBY’S RICHARD BOSLEY total includes PARK LEPAGE KALLES HALLMARK MARSHALL PT CARLING PT CARLING WALLACE R.E. PT CARLING MLS and Condo Exclusive sales MUSKOKA PT CARLING PT CARLING PT CARLING PT CARLING PT CARLING

7 JIM AND IRIS’S BEST SPRING PICKS

are only a short golf cart ride away. This exquisitely built 5 bedroom, 5 bath cottage is fully winterized and features spacious rooms, ideal for guests, children, and extended family, as well as a 2 storey river rock fireplace, chef’s dream kitchen with pantry, 2 Muskoka rooms – the list goes on…. Land your plane on Cassidy Lake, Lake Muskoka, Walker’s Point Lake Muskoka, Exceptional! – wake board from the dock, go fishing, Area – $1,495,000 Beautifully reno- Coming soon (stay tuned) Exquisite or just enjoy the peace and quiet of vated, winterized, 4 bedroom, 2 bath design and finishing details! Imagine this very private and serene setting. cottage, with boathouse and 2 car yourself at this new custom built garage with attached 2 bedroom cottage, located on one of Lake Bunkie. Outstanding NW sunset Muskoka’s finest lots with 900 feet exposure and view. Over 300 feet of of south facing waterfront and miles bylaw waterfront offers 2-storey boat- long view down the lake. The point house potential. Very private setting. of land ensures your complete privacy. The more than 5,000 sq.ft. cottage Wanted by Active Buyers features 5 bedrooms, 6 washrooms and the finest of materials and fin- — 2015 ishes. A heated 2 car garage, a 3 slip, Lake Muskoka, Bracebridge Area 1. Bracebridge or Port Carling area, 2 storey boathouse with accommoda- – $2,095,000 Outstanding sunset up to $5 million, year round home, gently sloped lot, great view. tions above and beautifully executed view and unprecedented privacy with granite landscaping complete this 350 feet of waterfront. This uniquely 2. Lake Muskoka island property, up exceptional estate package. Close to architecturally designed , custom to $450K, 3 bedroom, boathouse all of Muskoka’s popular amenities. built, cottage features 5 bedrooms, 3 potential baths, a massive stone fireplace along 3. Big Lake building lot, up to $2 mil- with finely crafted finishings in glass, lion, easy year round road access, oak and cedar. The master suite is gentle to moderate slope, good well away from the main living area neighbourhood. allowing quiet privacy and features a 4. Big Lake, up to $1.5 M, 3+ bedroom, lovely ensuite with separate tub and winterized cottage, boathouse, year large walk-in shower. The Enviroshake round access. shingled roof on the cottage and Oviinbyrd Golf Club, Cassidy Lake – heated oversized 2 car garage, plus 5. Lake Muskoka, under $1 million, $2,595,000 Become a member of the the newer wood siding, ensures low solid winterized family cottage, year exclusive Oviinbyrd community, and exterior maintenance for years to round access, moderately sloped lot. reside in the small enclave of upscale come. Extensive granite and interlock- 6. Big Lake, $3-4 million, mainland or cottages on Cassidy Lake. The first ing stone walkways lead to a double island, upscale cottage, boathouse tee, fabulous dining and Lake Joseph, wide boat port with a sundeck above. and garage.

If undeliverable, return to: Publications Mail Agreement P.O. Box 93 No. 40791034 Port Carling, ON P0B 1J0