Listed for:Listed Jul 14, 2026
$1,198,000

4298 Plum Point Road W

Ramara (Rural Ramara), ON L3V 0P8

Detached House For Sale
Down Payment AssistanceGet Best Mortgage Rates

Sale & Price History for 4298 Plum Point Road W, Ramara, Rural Ramara

No listing history available

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About 4298 Plum Point Road W, Ramara, Rural Ramara

Summarized Description

  • Stunning waterfront home with 100 feet of shoreline.
  • Extensively renovated with modern upgrades throughout.
  • Spacious open-concept living with lake views.
  • Features two kitchens for entertaining flexibility.
  • Includes six bedrooms and updated bathrooms.
  • Outdoor space with semi-wraparound deck and dock.
  • Beautifully landscaped grounds with mature trees.
  • Ideal for year-round living or seasonal retreats.

WELCOME TO YOUR PRIVATE LAKE SIMCOE RETREAT! Set on approx.100 feet of beautifully rebuilt granite-boulder shoreline, this extensively renovated waterfront home offers approximately 3,500 sq. ft. of bright, open-concept living space with breathtaking lake views and exceptional flexibility for family living, entertaining & hosting guests. Expansive windows and sliding patio doors fill the home with natural light, creating a seamless connection to the outdoors. The thoughtfully designed layout features 6 bedrooms, 2 kitchens, and 3 bathrooms. The main level offers a spacious living area, a full kitchen with new stainless steel appliances, an oversized bedroom for two queen beds, and an updated 3-piece bath. Upstairs, the quartz kitchen with new appliances opens to a sun-filled dining area surrounded by windows, a generous living room overlooking the lake, three king-sized bedrooms, and an updated 4-piece bath. The third level features two additional bedrooms, a powder room, and a private balcony with spectacular waterfront views. Step outside to your lakeside paradise featuring an approx. 500 sq.ft. semi-wraparound deck, a sheltered outdoor living area, a 30-foot aluminum dock with cedar decking, a stone fire pit, mature trees, and landscaped grounds extending to the water's edge. Extensively renovated throughout in 2025/2026, the home features new windows and doors, updated electrical & plumbing, modern trim, pot lights, a refreshed exterior, a paved driveway, new fencing, a retaining wall, granite pavers, and a covered front porch. This waterfront home offers multiple entrances, abundant space, and potential for licensed seasonal rental use. Whether you're searching for a year-round waterfront home or a four-season family cottage, this exceptional Lake Simcoe retreat is just 1 hour and 20 minutes from Toronto, offering the perfect escape without the long drive & a lifestyle where every sunrise, every sunset, and every season becomes a memory worth sharing.

Key Facts & Features

Property Costs

Annual Property Tax Amount
$4,159
Land Transfer Tax Fee
$20,435

Rental Items

Under Contract
None

Basement Type
None

Interior Features

Laundry Level
Main Level
Interior Extras
Carpet Free, Guest Accommodations, Other, Primary Bedroom - Main Floor, Propane Tank, Storage, Storage Area Lockers, Water Heater Owned, Water Purifier, Water Treatment
Security Features
Carbon Monoxide Detectors, Smoke Detector
Fireplace/Stove
Yes
Fireplace Features
Propane
Elevator
No

Exterior Features

Exterior Extras
Deck, Fishing, Landscaped, Lighting, Patio, Paved Yard, Privacy, Porch, Year Round Living
Pool
None
Property Features
Cul de Sac/Dead End, Fenced Yard, Hospital, Marina, School, Waterfront
Accessibility Features
32 Inch Min Doors, Fire Escape, Level Entrance, Lever Door Handles, Lever Faucets, Multiple Entrances, Open Floor Plan, Parking
Other Structures
Fence - Partial, Shed, Storage

Building

Building Type
Detached
Building Style
2 1/2 Storey

Construction

Exterior Finish
Aluminum Siding, Brick
Roof
Asphalt Shingle
Foundation Details
Concrete, Slab
Special Designation
Other

Lot

Lot Front
103.07 ft
Lot Depth
67.00 ft
Lot Shape
Irregular

Inclusions

Inclusions
Fridge, Stove, Dishwasher, Washer, Dryer

Parking & Garages

Garage Type
None
Garage Spaces
0
Parking Spaces
6
Total Garage And Parking Spaces
6

Heating & Cooling

Heat Source
Propane
Heat Type
Forced Air
Air Conditioning
Central Air
Water
Well
Sewers
Septic
Natural Gas
Yes
Hydro
Yes
Cable
Yes
Telephone
Yes

Bedrooms
5 + 1
Washrooms
3
Kitchens
2
Family / bonus room
Yes

Room sizes

  • Den—
    Third level, Window, Laminate
  • Kitchen—
    Second level, Combined w/Dining, Backsplash, Laminate
  • Bedroom 5—
    Third level, Closet Organizers, Window, Laminate
  • Laundry—
    Flat level, B/I Shelves
  • Bedroom 2—
    Second level, Closet Organizers, Window, Laminate
  • Living Room—
    Flat level, Combined w/Dining, Window, Tile Floor
  • Kitchen—
    Flat level, Combined w/Dining, Backsplash, Tile Floor
  • Bedroom 3—
    Second level, Closet Organizers, Window, Laminate
  • Living Room—
    Second level, Fireplace, Window, Laminate
  • Primary Bedroom—
    Flat level, Closet Organizers, Window, Laminate
  • Bedroom 4—
    Second level, Closet Organizers, Window, Laminate

Washrooms

  • 3-piece, Main
  • 4-piece, Second
  • 2-piece, Third

Municipality
Ramara
Neighbourhood
Rural Ramara
Main cross streets
HWY12 & PLUM POINT RD
Directions
HWY12 & PLUM POINT RD
Waterfront
Direct

MLS® number
S13562824
Data source
Toronto Regional Real Estate Board
Listed on
2026-07-14
Updated on
2026-09-01
Days on market
95 days
Possession type
Flexible
Co-op commission
2.5+HST
Seller
Listed by
RE/MAX PRIME PROPERTIES

Home Market Value

Current home valuation for 4298 Plum Point Road W, Ramara, Rural Ramara, Ramara, ON. Listed for $1,198,000

HOMEH Estimate

?

$1,257,900

Estimated Sales Range

?

$979,098 - $1,775,676

HOMEH Estimate for 4298 Plum Point Road W, Ramara, Rural Ramara

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

$1,257,900Low confidence
Based on 12 comparable properties
− $59,900 (5%) below our estimate — Good deal!
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

$
Ramara, ON
Minimum Down Payment Required:7.9%

5% on first $500K + 10% on $698,000 over $500K

Minimum down payment

$94,800

Scenario 1 Scenario 2 Scenario 3 Scenario 4
−Down payment
%
$
%
$
%
$
%
$
+CMHC insurance
$44,086$33,424$28,512$0
=Total mortgage
$1,146,246$1,111,624$1,046,812$958,400
Amortization
Mortgage rate
%
%
%
%
Payment frequency
=Mortgage payment
$5,597monthly$5,428monthly$5,111monthly$4,679monthly
Are you a first time home buyer?

Land Transfer Tax

Provincial

$20,435

Total Land Transfer Tax

$20,435

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