3686 Portage Bay RD, Ramara, ON L0K 2B0
3686 Portage Bay RD , Ramara, ON L0K 2B0
-
Bed Rooms
3
Bath Rooms
4
--
Save
Request Showing
34 photos
Highlight
Year Built
--
Days of On-Site Use
--
Property Type
Single Family Home
Price per Sqft
--
Car Garage
2.0
Property Details
Key Details
Sub Type
Detached
Listing Status
Active
Purchase Type
For Sale
Approx. Sqft
3500-5000
Subdivision
Rural Ramara
MLS Listing ID
S13627064
Style
Bungalow
Bedrooms
3
Annual Tax Amount
$11,760
Tax Year
2025
Property Sub-Type
Detached
Location
Province
ON
County
Simcoe
Area
Simcoe
Zoning
SR
Body of Water
Lake Couchiching
Rooms
Family Room
Yes
Basement
Finished with Walk-Out
Kitchen
2
Separate Den/Office
2
Interior
Interior Features
Bar Fridge, In-Law Capability, Primary Bedroom - Main Floor, Sewage Pump, Sump Pump, Water Heater Owned, Water Treatment, Workbench
Cooling
Central Air
Fireplaces Number
2
Fireplaces Type
Family Room, Rec Room, Wood
Inclusions
Fridge, Stove, Dishwasher, Built-In Microwave, Washer, Dryer, Electric Light Fixtures, Bathroom Mirrors, Bar Fridge, Pool Table, Fridge & Stove InBasement, Composite Docks, TV Wall Mount.
Exterior
Exterior Feature
Deck, Landscaped, Lighting, Patio, Porch, Recreational Area, Year Round Living
Parking Features
Private Double
Pool
None
Waterfront Description
Boathouse,Dock,Trent System,Winterized
View
Lake
Roof Type
Asphalt Shingle
Road Frontage
Fees Apply, Private Road, R.O.W. (Deeded), Private Docking
Lot Frontage
104.71
Lot Depth
136.0
Total Parking Spaces
4
Building
Building Age
31-50
Foundation
Concrete Block
Others
Senior Community
Yes
ParcelsYN
No
Listed by RE/MAX HALLMARK PEGGY HILL GROUP REALTY
Residential financing tool — Navjot Singh

Residential mortgage & income qualification calculator

Ontario rules: minimum down payment tiers, CMHC/Sagen/Canada Guaranty insurance premiums, the federal stress test, GDS/TDS limits, and Ontario/Toronto land transfer tax. Enter the deal, see what income is required to qualify.

Purchase & mortgage inputs

Minimum required for this price: 5% on the first $500,000, 10% on the remainder.
Only 50% of condo fees count toward GDS/TDS.
Car loans, credit cards, student loans, other credit obligations.
Enter this to check pass/fail against required income. Leave at 0 to just see what's required.
Legal fees, title insurance, home inspection, adjustments.

Qualification & closing costs

Conventional (uninsured)
Loan amount
$0
Total mortgage (incl. premium)
$0
Monthly payment (contract rate)
$0
Monthly qualifying payment
$0
Stress-test qualifying rate (MQR)0.00%
GDS ratio (at qualifying rate)0.0%
TDS ratio (at qualifying rate)0.0%
Insurance premium rate—
Insurance premium$0
Ontario PST on premium (8%, cash)$0
Ontario land transfer tax$0
Ontario first-time buyer rebate$0
Toronto municipal land transfer tax$0
Toronto first-time buyer rebate$0
Total cash needed to close$0
For information purposes only. This calculator reflects publicly available federal and Ontario mortgage rules as of mid-2026 and does not constitute financial, legal, tax or mortgage advice. Confirm current rules and your actual qualification with a licensed mortgage professional or lender before making a decision.
  • Minimum down payment: 5% on the first $500,000, 10% on the portion from $500,000 to $1.5 million. Properties at or above $1.5 million require at least 20% down and cannot be insured.
  • Maximum insured amortization is 25 years, or 30 years if you are a first-time buyer or purchasing a new build. Insured mortgages also require a minimum credit score of 600 and a traditional (non-borrowed) down payment source.
  • The stress test qualifying rate is the greater of your contract rate + 2%, or the 5.25% regulatory floor.
  • GDS (39%) and TDS (44%) are standard insurer guidelines; individual lenders may apply different limits, especially for conventional (uninsured) mortgages.
  • Land transfer tax figures use current Ontario and Toronto marginal rate schedules and standard first-time buyer rebates. Other municipalities in Ontario do not currently levy a municipal land transfer tax.
Prepared by Navjot Singh.

Go tour this home

3686 Portage Bay RD

GET MORE INFORMATION

Navjot Singh
Navjot Singh

REALTOR® | License ID: 5027745

+1(519) 505-5832 | navjot@teammosaic.ca

Name
Phone*
Message

By checking this box, I agree by electronic signature to the Electronic Disclosure Consent Agreement; to receive recurring marketing communication from Navjot Singh, including auto-dialed calls, texts, and artificial/prerecorded voice messages (message frequency varies; data rates may apply; reply "STOP" to opt-out of texts or "HELP" for assistance); and to the Terms of Service and Privacy Policy of this website. Consent not required to make a purchase. I understand that I can call to obtain direct assistance.

Free Account Required

  • Instant access to listing photos & details
  • Save listings and searches
  • Access details for this property