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Price Change$528,000

3965 Hilltop Road

Rural Ramara, Ramara

$578,000

Detached|Bungalow
3 | 1 | 6
About this home

Affordable Lake Simcoe Living! Welcome to 3965 Hilltop Rd in the beautiful community of Ramara, just walking minutes fromthe shores of Lake Simcoe. This charming 3-bedroom bungalow sits on a generous 60 x 200 ft lot, offering plenty of outdoor space andparking for up to 6 vehicles. Perfect for first-time buyers, weekend cottage seekers, or investors, this property provides a rare opportunity to live near Lake Simcoe at an affordable price. Enjoy easy access to nearby beaches, boating, fishing, and year-round outdoor recreation, all within approximately 90 minutes from Toronto. Brandnew updates with Kitchen, Washroom, Floor, New painting (2026/8), updated septic system, new Raisers(2026/10) , sumppump (2019),Furnace(2019) making this home move-in ready with great potential. Whether you're looking for a peaceful retreat, starter home, or weekend escape from the city, this property offers incredible value in one of Ontario's most desirable lakefront regions.

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agent
Ephy Bookbinder
(416) 838-4804
TypeDetached
StyleBungalow
Approx. AgeNot available
Size700-1100 sq. ft.
Property Tax$1,635
Lot Size60 ft x 200 ft
mls© NumberS13877862
Listed ByMASTER`S TRUST REALTY INC.

Listing History

  • No recent sale history for this listing.
  • No recent lease history for this listing.

Could you afford this home?

What the bank counts

This home's actual carrying costs, payment stress-tested at 6%

Mortgage, tested at 6%
$2,958
Property tax
$136
Heat allowance
$150
Housing costs
$3,245 / mo

Lenders cap these at 39% of gross income — that sets the number.

Down payment20% · $115,600
25-yr amortization

Income needed

$100,000

gross annual household income

Payment at 4%
$2,432 / mo
Cash down
$115,600

Assumes no other monthly debts · 25-yr amortization

Full affordability check

Values and trends

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