7478 Baldwin Lane, Ramara

$1,399,000
7478 Baldwin Lane

$1,399,000

New
15d
Detached1 1/2 Storey

7478 Baldwin Lane, Ramara

Total Monthly Obligation $6,602

Beds
6
Baths
2
Park
6
Sqft
1500-2000
DOM
15d
Score
14
Yield
2.4%
Cash on Cash
-13.1%
Cap Rate
1.8%
5Y IRR
5.4%
10Y IRR
6.7%
Property Type-Detached
MLS® Number-S13875050
Beds-6
Bathrooms-2
Size-1500-2000 sqft
Lot Size-74.08 × 265 ft
Listed on site-Oct 8, 2026
Style-1 1/2 Storey
Building Type-Detached
Taxes-$7,009 (2025)
Parking-7 - Detached
Basement-Crawl Space
Heating-Other (Propane)
Brokerage-Century 21 B.J. Roth Realty Ltd.
Cooling-None
Laundry-No
Fireplace-Propane
Pool-None
Facing-West
Exterior-Vinyl Siding
Roof-Shingles
Foundation-Other
Sewer-Septic
Possession-flexible
Neighbourhood-Rural Ramara
Title-Residential Freehold

No agent assigned

TWO SEPARATELY TITLED WATERFRONT PARCELS BEING SOLD TOGETHER! A rare opportunity to own an extraordinary stretch of shoreline on Lake Couchiching. Comprised of two properties, each with its own cottage, this offering features just under 2 acres and approximately 430 feet of combined private waterfront. With west-facing exposure, sweeping 180-degree views to the south, west and north, and spectacular sunsets, this is an exceptional waterfront opportunity. The two separately titled parcels offer flexibility for extended family, multi-generational living, a private family compound or those seeking the versatility of owning two waterfront properties side by side. The four-season home features a flexible 2-3 bedroom layout, a newly renovated bathroom and a walkout to beautiful lake views. The charming three-season cottage offers four bedrooms, a raised cathedral-ceiling living room and its own walkout overlooking the water. Both properties have UV filtration/water treatment systems. Outside, multiple decks provide spaces to gather, entertain and soak in the views, while the expansive shoreline and private dock offer opportunities for swimming, fishing, boating and direct access to the Trent-Severn Waterway. A detached single garage and multiple storage sheds provide space for boats, water toys and cottage essentials. What sets this offering apart is the opportunity to acquire TWO SEPARATELY TITLED WATERFRONT PARCELS in one spectacular location. Enjoy both cottages as they are, create a multi-generational retreat, or explore the possibilities of owning two distinct parcels, including potential to build new, subject to applicable approvals. Nearly two acres, approximately 430 feet of combined waterfront, two separate properties, two cottages and breathtaking panoramic views. Opportunities to acquire this much waterfront with this flexibility are rare on Lake Couchiching. Two parcels. One extraordinary waterfront opportunity. Be sure to check out the video!

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(utilities, internet...)
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%
%

Closing Costs

Mortgage Amount
$1,119,200
Land Transfer Taxes$24,455
Legal Fees (Est.)
$
Total cash required for closing$305,755

Total Monthly Obligation

$6,602/mo
Mortgage $5,643
Monthly Loss $5,117
Principal$1,485
Interest$4,158
Property Tax$584
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
1.4%9
Cash-on-Cash
-16.1%0
5-Year IRR
3.0%6
10-Year IRR
5.2%
Returns Index
4.4/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
14/ 100
Avoid•Pass

Strategy: Buy & Hold — Weights: CFI 35% · RI 25%
RKI 20% · GI 20%

Assumptions & Inputs
$/mo
%
$
yr
%
Cash Flow
Weight: 35%
Gross Rent
$34,200/yr
NOI
$19,271/yr
Net Cash Flow
-$4,037/mo
Cash Margin
-141.7%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.282
LTV Ratio
80.0%18
Vacancy Buffer
1.5 mo23
Risk Index
14.4/ 100

*This analysis is independently generated NOT provided by TREB or CREA.

Comparables

Properties near 7478 Baldwin Lane

Time

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