3965 Hilltop Road, Ramara

$578,000
3965 Hilltop Road

$578,000

Price Change
15d
DetachedBungalow

3965 Hilltop Road, Ramara

Total Monthly Obligation $2,843

HausQ Valuation Report
Beds
3
Baths
1
Park
6
Sqft
700-1100
DOM
15d
Score
23
Yield
5.5%
Cash on Cash
1.1%
Cap Rate
4.8%
5Y IRR
16.5%
10Y IRR
15.4%
Property Type-Detached
MLS® Number-S13877862
Beds-3
Bathrooms-1
Size-700-1100 sqft
Lot Size-60 × 200 ft
Listed on site-Oct 8, 2026
Style-Bungalow
Building Type-Detached
Taxes-$1,634.79 (2026)
Parking-6 - None
Basement-Crawl Space
Heating-Forced Air (Propane)
Brokerage-MASTER`S TRUST REALTY INC.
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Facing-East
Exterior-Vinyl Siding
Roof-Shingles
Foundation-Unknown
Sewer-Septic
Possession-30/60
Neighbourhood-Rural Ramara
Title-Residential Freehold

No agent assigned

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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%
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$
$
(utilities, internet...)
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%
%

Closing Costs

Mortgage Amount
$462,400
Land Transfer Taxes$8,035
Legal Fees (Est.)
$
Total cash required for closing$125,135

Total Monthly Obligation

$2,843/mo
Mortgage $2,331
Monthly Loss $2,229
Principal$614
Interest$1,718
Property Tax$136
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.9%26
Cash-on-Cash
-4.3%3
5-Year IRR
12.2%52
10-Year IRR
12.3%
Returns Index
27.0/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
23/ 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
$32,016/yr
NOI
$22,680/yr
Net Cash Flow
-$442/mo
Cash Margin
-16.5%0
Cash Flow Index
0.2/ 100
Risk Profile
Weight: 20%
DSCR
0.8115
LTV Ratio
80.0%18
Vacancy Buffer
3.4 mo57
Risk Index
30.0/ 100

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

Comparables

Properties near 3965 Hilltop Road

Time

Comparables are calculated within a 3km radius based on properties sold or leased within the past 6 months. This helps you understand the current market value and potential rental yield with high precision.

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Data last updated within the past 24 hours.