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$9,850,000
Muskoka Lakes · Ontario P1P 1R2
144 days on market
Welcome to 1158 Pine Needle Point Road. Set along over 200 feet of prized, southwest facing shoreline on Lake Muskoka, this Pine Needle Point property offers a striking, design-forward interpretation of lakeside living. Defined by clean architectural lines, soaring ceilings, and expansive glazing, the residence is thoughtfully composed to invite natural light while framing long lake views and Muskoka's iconic sunsets. The waterfront experience is equally compelling - anchored by a beautifully ex…
Could save you thousands on this purchase — closing strategy, negotiation & rebate.
Insufficient comparable sales to generate an estimate. Boost accuracy on MyStreetValue →
Seller signals
Motivated SellerWhy this label
Labels reflect MLS fields and listing history in our database — not an opinion on fair market value.
Property history
Comparable sales
Brokered by: Chestnut Park Real Estate
Source: TRREB/PROPTX · MLS® X13236310
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20%+ required — no CMHC insurance on $1.5M+ homes
≈ $0.07/ft² × ~3,250 ft² · ON avg ~$228/mo
Typical ON gas-heated home · ~$125/mo
ON municipal avg ~$60/mo
ON internet/TV avg ~$70/mo
1% of value/yr — standard reserve
Landscaping & snow removal · $0 default
$100/mo default · adjust for your home
Optional monitoring · $0 default
Cost composition
Mortgage is 55% of your true cost of ownership. The other 45% surprises most first-time buyers.
Full breakdown
| Mortgage & financing | ||
| Mortgage (P+I) | $448,414 | $37,368/mo |
| Government & taxes | ||
| Property tax | $17,862 | $1,489/mo |
| Land transfer tax(closing) | $232,725 | $19,394/mo |
| Insurance & protection | ||
| Home insurance | $1,200 | $100/mo |
| Title insurance(closing) | $400 | $33/mo |
| Utilities | ||
| Hydro / electricity | $2,730 | $228/mo |
| Propane | $1,500 | $125/mo |
| Water & sewer | $720 | $60/mo |
| Internet / TV / phone | $840 | $70/mo |
| Maintenance & upkeep | ||
| Maintenance reserve (1.0%) | $98,500 | $8,208/mo |
| Closing costs (one-time) | ||
| Legal / lawyer(closing) | $2,500 | $208/mo |
| Home inspection(closing) | $600 | $50/mo |
| Moving costs(closing) | $2,000 | $167/mo |
| Total | $809,991 | $67,499/mo |
Listing facts below · Ontario averages for utilities — drag sliders to match your home. CMHC added to loan principal only — not double-counted in chart.