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640 TINY BEACHES ROAD N
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Beds
6
Baths
2 full + 1 half
Sqft
—
Year
—
Type
Single Family
On market
31d
Rare Georgian Bay Opportunity on Nearly 1 Acre - Steps to the Beach!Welcome to this charming and incredibly spacious family retreat situated on an exceptionally rare nearly 1-acre lot (190 ft x 208 ft) just steps from the sparkling waters and beautiful sandy beaches of Georgian Bay.Offering approximately 2,874 sq ft of living space, this inviting home features 6 bedrooms and endless room for large families, weekend guests, or multi-generational living. From the moment you arrive, you'll appreciate the warmth, character, and peaceful setting this unique property has to offer.The main floor features a bright eat-in kitchen that flows into a large living area, convenient main floor laundry, an oversized bedroom, and a huge bonus room with outstanding potential for additional living space, games room, guest suite, studio, or entertaining area. The attached rear workshop with rough-in opens the door to even more future possibilities.Upstairs, you'll find 5 additional spacious bedrooms, providing plenty of room for family and friends to relax and unwind after long summer days by the water.Outside is where this property truly shines. The massive paved driveway easily accommodates 15+ vehicles and leads to an oversized garage with ample room for boats, snowmobiles, ATVs, and all your summer and winter toys. The beautifully treed yard feels like your own private park, complete with mature trees, apple trees, garden beds, a peaceful creek running along the edge of the property, and a bonfire pit perfect for unforgettable evenings under the stars.Whether you're searching for a year-round home, family getaway, or an incredible Airbnb/investment opportunity, this property offers endless possibilities in one of Georgian Bay's most sought-after beachside locations.Rare oversized parcel for the area may offer future severance/development potential. Create lifelong family memories in a setting you'll never want to leave. (id:65958)
Main level
| Room | Dimensions | Features |
|---|---|---|
| Workshop | 5.44 × 3.61 meters | |
| Games room | 6.58 × 3.53 meters | |
| Laundry room | 1.93 × 2.46 meters | |
| Bathroom | — | |
| Bedroom | 5.54 × 2.84 meters | |
| Living room | 5.28 × 4.65 meters | |
| Kitchen | 5.08 × 4.65 meters |
Second level
| Room | Dimensions | Features |
|---|---|---|
| Bedroom | 3.45 × 3.4 meters | |
| Bedroom | 3.38 × 2.46 meters | |
| Bedroom | 4.14 × 3.53 meters | |
| Bedroom | 4.14 × 3.51 meters | |
| Bathroom | — | |
| Bedroom | 4.19 × 3.53 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).
Cash on cash
-6.76%
Cap rate
3.51%
GRM
16.7
Break-even rent
$4,330
Financing
Operating expenses (monthly)
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Approximation only. Actual cash flow depends on financing terms, condition reports, current market rents, property tax assessment, condo fees, and tenant quality. Defaults: 4.5% rate, 30-year amortization, 5% vacancy, 1%/yr maintenance, 0.5%/yr CapEx reserve, $80/mo insurance. Property tax estimated at 0.55%/yr where not provided. Talk to a mortgage broker before relying on these numbers.
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 Tiny. The listing facts above are live; the neighborhood-intelligence layer needs POI coverage before it can score this address properly.