Listed for:Listed Aug 31, 2026
$1,599,000

3686 Portage Bay Road

Ramara (Rural Ramara), ON L0K 2B0

Detached House For Sale
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Sale & Price History for 3686 Portage Bay Road, Ramara, Rural Ramara

No listing history available

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About 3686 Portage Bay Road, Ramara, Rural Ramara

Summarized Description

  • Stunning waterfront estate with 104 ft shoreline.
  • Expansive 6,700+ sq ft living space.
  • Multi-tiered balcony offers breathtaking views.
  • In-law suite potential in finished lower level.
  • Luxurious primary suite with 6-piece ensuite.
  • Updated features including windows and furnace.
  • Close proximity to local amenities and recreation.

COVETED PORTAGE BAY WATERFRONT ESTATE WITH 104 FT OF SANDY SHORELINE & 6,700+ SQ FT! Set along over 104 ft of northwest-facing shoreline in coveted Portage Bay, this Lake Couchiching residence pairs expansive open-water views with a sandy beach, boathouse, newer docks (2021) and a spectacular multi-tiered lakeside balcony with glass railings overlooking the water. Over 6,700 finished square feet is thoughtfully arranged around the waterfront setting, with multiple walkouts and lake views featured throughout the home. Hardwood flooring, soaring ceilings, crown moulding, detailed wood trim, wood doors and pot lights add architectural character. The grand living room draws the eye to the lake through floor-to-ceiling windows and a double garden door walkout to the elevated balcony, while the breakfast area opens to the same glass-railed outdoor retreat. Extensive wood cabinetry, a large centre island, pantry storage, tile backsplash and double sink anchor the kitchen, while the connected family room with a wood-burning fireplace offers a natural gathering place after a day on the water. A formal dining room and wet bar with a bar fridge provide an ideal setting for entertaining. The main level features three bedrooms plus an office, including a spacious primary bedroom with a walk-in closet and a 6-piece ensuite with dual vanities, a private water closet with sink, a soaker tub and separate shower, while two additional bedrooms share an ensuite. The finished walkout lower level offers in-law potential with a kitchen, rec room with fireplace, games room, two bedrooms, full bathroom, storage and direct outdoor access. Updated windows (2021), an updated propane furnace, manicured grounds, interlock walkways and driveway, and an attached double-car garage complete this exceptional #HomeToStay. Located just minutes from Casino Rama, marinas, parks, beaches and local amenities, with Orillia only 15 minutes away.

Key Facts & Features

Property Costs

Annual Property Tax Amount
$11,760
Land Transfer Tax Fee
$28,455

Rental Items

Rental Equipment
Propane Tanks.

Basement Type
Finished with Walk-Out

Interior Features

Laundry Level
Main Level
Interior Extras
Bar Fridge, In-Law Capability, Primary Bedroom - Main Floor, Sewage Pump, Sump Pump, Water Heater Owned, Water Treatment, Workbench
View
Lake
Fireplace/Stove
Yes
Fireplace Features
Family Room, Rec Room, Wood
Elevator
No

Exterior Features

Exterior Extras
Deck, Landscaped, Lighting, Patio, Porch, Recreational Area, Year Round Living
Pool
None
Property Features
Beach, Lake/Pond, Marina, Other, Waterfront
Accessibility Features
Multiple Entrances
Other Structures
Other

Building

Building Type
Detached
Building Style
Bungalow
Approx Age
31-50

Construction

Exterior Finish
Brick
Roof
Asphalt Shingle
Foundation Details
Concrete Block
Special Designation
Unknown

Lot

Lot Front
104.71 ft
Lot Depth
136.00 ft
Lot Size
0.36
Lot Shape
Irregular

Inclusions

Inclusions
Fridge, Stove, Dishwasher, Built-In Microwave, Washer, Dryer, Electric Light Fixtures, Bathroom Mirrors, Bar Fridge, Pool Table, Fridge & Stove In Basement, Composite Docks, TV Wall Mount.

Exclusions

Exclusions
None.

Parking & Garages

Garage Type
Attached
Garage Spaces
2
Parking Spaces
2
Total Garage And Parking Spaces
4

Heating & Cooling

Heat Source
Propane
Heat Type
Forced Air
Air Conditioning
Central Air
Water
Well
Sewers
Septic
Natural Gas
No
Hydro
Yes
Cable
Available
Telephone
Available

Bedrooms
3 + 2
Washrooms
4
Kitchens
2
Family / bonus room
Yes

Room sizes

  • Living Room—
    Basement level
  • Bedroom 2—
    Main level
  • Bedroom 4—
    Basement level, Walk-Out
  • Bedroom 3—
    Main level
  • Foyer—
    Main level, Tile Floor
  • Dining Room—
    Main level
  • Game Room—
    Basement level, Walk-Out, Tile Floor
  • Bedroom 5—
    Basement level
  • Laundry—
    Main level, Laundry Sink
  • Recreation—
    Basement level, Fireplace, Walk-Out
  • Kitchen—
    Main level
  • Other—
    Main level, Wet Bar
  • Primary Bedroom—
    Main level, 6 Pc Ensuite, W/O To Balcony, Walk-In Closet(s)
  • Living Room—
    Main level, W/O To Balcony
  • Breakfast—
    Main level, W/O To Balcony
  • Kitchen—
    Basement level
  • Family Room—
    Main level, Fireplace
  • Office—
    Main level

Washrooms

  • 3-piece, Main
  • 4-piece, Main
  • 6-piece, Main
  • 4-piece, Basement

Municipality
Ramara
Neighbourhood
Rural Ramara
Main cross streets
RAMA ROAD/PORTAGE BAY ROAD
Zoning
SR
Directions
RAMA ROAD/PORTAGE BAY ROAD
Waterfront
Direct

MLS® number
S13727432
Data source
Toronto Regional Real Estate Board
Listed on
2026-08-31
Updated on
2026-08-31
Days on market
48 days
Possession type
Flexible
Co-op commission
2.5% + HST
Seller
Listed by
RE/MAX HALLMARK PEGGY HILL GROUP REALTY

Home Market Value

Current home valuation for 3686 Portage Bay Road, Ramara, Rural Ramara, Ramara, ON. Listed for $1,599,000

HOMEH Estimate

?

$1,588,414

Estimated Sales Range

?

$953,048 - $2,223,780

HOMEH Estimate for 3686 Portage Bay Road, Ramara, Rural Ramara

Calculated with a real agent's CMA method — 45+ years of experience, codified. Not an AI guess.

$1,588,414Low confidence
Based on 13 comparable properties
+ $10,586 (1%) above our estimate
See the full analysisFree Every recent nearby sale behind this number

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Mortgage Payment Calculator

Compare up to 4 down payment scenarios

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Ramara, ON
Minimum Down Payment Required:20.0%

20% required for homes $1.5M or more

Minimum down payment

$319,800

Scenario 1 Scenario 2 Scenario 3 Scenario 4
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+CMHC insurance
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=Total mortgage
$1,279,200$1,199,250$1,119,300$1,039,350
Amortization
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Payment frequency
=Mortgage payment
$6,246monthly$5,855monthly$5,465monthly$5,075monthly
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Land Transfer Tax

Provincial

$28,455

Total Land Transfer Tax

$28,455

Around this home

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