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1091 MCARTHUR POINT ROAD
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Beds
5
Baths
2
Sqft
—
Year
—
Type
Single Family
On market
110d
A Hidden Gem & Turn-Key Muskoka Waterfront Retreat. Welcome to a true hidden gem on the tranquil shores of Ril Lake in the heart of Lake of Bays, Muskoka. From the road, it may appear to be a modest bungalow, but step inside and discover a beautifully expanded, thoughtfully renovated two-story retreat that effortlessly combines rustic Muskoka charm with modern comfort and elegance. This fully furnished, four-season home offers over 83 feet of private, sandy-bottom shoreline with a rare boathouse at the waterline, perfect for storing water toys or casting a line right from shore. Whether you're searching for a family sanctuary, an income-ready investment, or a peaceful year-round residence, this property invites you to step out of the ordinary and into your own Muskoka story. Inside, the open-concept main floor welcomes you with a sunlit living room centered around a gas fireplace, flowing into a dining area, sitting nook, and work space all wrapped in stunning views of the trees and lake. Downstairs, a spacious family room with a wood-burning fireplace sets the stage for cozy nights, while the bright sunroom offers the perfect place for games, reading, or afternoon naps. There's also a roughed-in sauna room, waiting to become your personalized wellness space. Step outside and the magic continues. A hot tub tucked beneath the trees, a gazebo with a propane fire table, Muskoka chairs perfectly placed for sunset watching, and a private dock with a canoe, kayaks, and SUP. Everything is here and ready to enjoy! This is more than a cottage. It's a ready-made experience. Whether you're roasting marshmallows under starlit skies, hosting a family get-together, fishing from your dock, or simply sipping coffee in the sunroom, every moment here feels intentional and full of heart. Just bring your people, your provisions, and your love for the Muskoka lifestyle. The rest is already here, waiting for you. Wow, the seller is offering Vendor Take-Back at just 2%. (id:65958)
Lower level
| Room | Dimensions | Features |
|---|---|---|
| Bedroom 4 | 2.99 × 2.62 meters | |
| Bedroom 5 | 3.56 × 2.99 meters | |
| Bathroom | 1.96 × 1.88 meters | |
| Laundry room | 2.36 × 1.45 meters | |
| Sunroom | 9.42 × 2.24 meters | |
| Family room | 5.23 × 5.21 meters |
Main level
| Room | Dimensions | Features |
|---|---|---|
| Living room | 6.75 × 6.8 meters | |
| Dining room | 2.41 × 2.54 meters | |
| Sitting room | 2.82 × 2.08 meters | |
| Kitchen | 2.84 × 2.28 meters | |
| Bathroom | 2.64 × 1.5 meters | |
| Primary Bedroom | 3.66 × 2.72 meters | |
| Bedroom 2 | 3.56 × 2.72 meters | |
| Bedroom 3 | 2.64 × 2.52 meters |
10-item due-diligence checklist. We can pre-flight most of these for you on a CMA call.
Comparable sales
Ask for 3–5 recent solds within ~1 km and the same beds/baths so the list price has context.
Property condition
Roof age, furnace age, hot-water tank age, electrical panel size, windows. Cosmetic vs structural.
Zoning
Confirm zoning matches your intent (single-family vs duplex vs secondary suite vs commercial).
Suite legality / potential
If suited or being marketed as suited: confirm permits, separate entrance, ceiling height, egress windows.
Monthly carrying cost
Mortgage + property tax + insurance + condo fee (if any) + utilities. Compare to your max budget.
Property taxes
Confirm the annual tax amount on the current assessment — and whether a reassessment is pending.
Insurance estimate
Get a same-day quote. Older homes, knob-and-tube wiring, polybutylene plumbing, flood plains all change the number.
Commute
Drive it (or transit it) at the actual time of day you'd commute. Map ETA lies during peak hours.
Deposit and financing conditions
Deposit size, financing condition window, condition removal date, possession date — all negotiable.
Inspection considerations
Budget for a home inspector ($500–700) and any specialty inspections (sewer scope, mould, asbestos for pre-1990 builds).
Rough ballpark only. Pick a down-payment option, then tap any underlined number below to plug in your real numbers — tax, condo fee, insurance, utilities. Total updates live. Confirm with a mortgage broker before writing an offer.
Cost lines (tax, condo, insurance, utilities) are editable inline above. These two control the mortgage payment math.
Approximation only. CMHC default insurance is included when down payment is under 20%. Property tax and condo fees come from MLS when listed and may not reflect the current billing year. Suite rental income depends on permits, market rent, and vacancy — confirm with a property manager. Always validate your scenario with a mortgage broker and your insurance provider before writing an offer.
We'll reply by text within a few hours. Comparable sales, condition flags, things worth checking — sent before you book a showing.
Listing brokerage
Listing brokerage on file
Listing data via CREA DDF®. Information is deemed reliable but not guaranteed accurate by CREA. Last updated May 12, 2026.
Nearby school, halal, mosque, grocery, park, and transit layers are still being built for Lake of Bays (Ridout). The listing facts above are live; the neighborhood-intelligence layer needs POI coverage before it can score this address properly.