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Rural Ramara, Ramara
$578,000
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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| Type | Detached |
| Style | Bungalow |
| Approx. Age | Not available |
| Size | 700-1100 sq. ft. |
| Property Tax | $1,635 |
| Lot Size | 60 ft x 200 ft |
| mls© Number | S13877862 |
| Listed By | MASTER`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.
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 checkValues and trends
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