Lake Muskoka

It is the largest of the three big Muskoka lakes, near the towns of Gravenhurst and Bracebridge, and it connects up to Lake Rosseau and Lake Joseph through the locks at Port Carling. It is the most accessible of the three from the south.

Frontage, exposure, and privacy, more than square footage. South and west facing shoreline with deep water and a gentle entry commands a premium. A big lake view and good sunsets cost more than a sheltered bay.

A road access cottage you can drive to year round. A water access one you reach only by boat, which lowers the price but adds the logistics of parking, docking, and getting everything across the water. Decide which you actually want before you start looking.

Some properties are built and serviced for it, many are not. Year round use depends on insulation, heating, the water system, and a maintained road. If full time living is the goal, that narrows the list quickly.

Shoreline and water depth at the dock, the septic system, whether the road is privately maintained, and the rules around any boathouse or dock you want to add. Muskoka has specific shoreline regulations, so confirm what is allowed before you count on a change.