Tag Archives: muskoka

Buying a cottage, Muskoka Financial

MONEY MAKES YOUR WORLD GO ROUND IN MUSKOKA

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I was just reviewing some great, simple rules to follow to enjoy and use money well. These are rules shared by Brian Buffini. I follow these rules to the best of my ability.

I have found that Brian Buffini is a great coach. What makes a great coach? In my view, it is someone who has been there and is now sharing ideas and methods to be able to replicate the success that they have had.

Brian is someone who started out poor and broke and quickly realized that broke is a state of your bank account and can be temporary. Poor is a state of mind and one needs to change that with education.

So here are some ideas to secure your financial future:

  1. Understand yourself and understand that you are not alone. Over 80% of people avoid thinking and talking about money. They are afraid of managing money and afraid to look at where they stand because they don’t have a plan and are afraid of losing their money. Trust me – it ends up being much scarier not to look.
  2. People worship money. They spend a lot on lottery tickets – and the odds are so much better betting on yourself.
  3. Change how you feel about yourself. Your status is who you are, not what you have. So that takes some internal work. But trust me, it feels great to nurture yourself in the right way. Fill the hole with good thinking, not money. Feel good about yourself.
  4. Secrecy – embarrassment and shame. You have made mistakes. Your biggest mistake is thinking that you are alone. People in the Financial Services industry say that you would be surprised at how many people avoid looking at their financial situation and taking the reins. You are definitely not alone! And not embracing your finances creates conflict with your partner, if you have one.
  5. Confusion. How much advice is out there? And how many sources are credible. You have to think of what the net worth of the person who is providing advice happens to be. Are they just making money from writing the book, or do they have a healthy and thriving net worth?
  6. Follow a high performance mindset – Knowledge is power and ignorance is bankruptcy.
  7. Money is a tool to be respected. It is just a tool, but you need to know how to take care of it, and how to use it.
  8. You need to have a grounded identity. Money cannot buy character.
  9. Clarity and alignment – what do you want money to do for you and is it aligned with your values? How are you spending your time and what do you believe. Take the time to figure this out, so you don’t end up in the wrong destination.
  10. You need a path to follow. Run on the right track.

STRATEGIES FOR STABILITY

Defensive and Offensive

Defensive:

  1. Working home budget to pay down debt, will, automatic savings and one month reserve.

Offensive:

  1. Invest in yourself, build equity in your home, establish your retirement fund.

The former stability strategy stays in place for the rest of your life, no matter how wealthy you become. It is your platform for stability and security.

STRATEGIES FOR SUCCESS

Defensive and Offensive

Defensive:

  1. Go from reducing your consumer debt, to having no consumer debt, automatic savings, and three to six months reserve. Fully fund your retirement fund.
  2. Learn to live on 70% of what you make, save 10%, give 10%, invest 10%.

Offensive:

  1. Get to 50% equity in your home at least.
  2. Increase your revenue. Figure out how to make more money. Promotion at work, a side gig, real estate investments, (67% of millionaires made their money investing in real estate), stocks and bonds.

STRATEGIES FOR SIGNIFICANCE (Giving back)

Defensive and Offensive

Defensive:

  1. All real estate holdings paid off. Your real estate is safe from repossession if it is paid for.
  2. Establish a trust.
  3. Have passive income to support you until you are 100 years old.

Offensive:

  1. Give money and time to charities and causes that you are passionate about. Time first, money second.
  2. If you own a business, set it up so that it is true legacy.

I think Brian Buffini has some great, tried and true ideas. What do you think?

A good accountant can help you set this up. Please let us know if you need a referral to an accountant.

Lake Rosseau, Muskoka Lakes

Balancing Growth and Preservation: The Future of Development in Minett, Muskoka

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Hey there, Muskoka friends and family! Big things are happening around Lake Rosseau… again! The Minett Muskoka development discussions range from a concept drawing of a giant concert venue discovered online, to the planned redevelopment at Clevelands House. While growth can be exciting, it’s also got many of us wondering: at what cost? How can we grow while also preserving what makes Muskoka, Muskoka? Let’s talk about what can be done, and why your voice in this is more important than ever.

The Heart of Muskoka: What’s Changing in Minett?

Minett is no stranger to change, but recent development rumours are turning more heads than usual. First up, there’s talk about a ‘HotelLIVE!’ concert venue that’s aiming to be a big deal – think bigger than Toronto’s Budweiser Stage! Yep, that means potentially 20,000 concert-goers right here in the heart of Muskoka Lakes, based on the concept drawings the company posted online. Add to that the makeovers at Clevelands House and the new Legacy Cottages, and it’s clear the vibe in Minett is about to change.

To be clear, the 20,000 capacity concert venue is not something that has been approved by the Township of Muskoka Lakes yet. All that has been approved so far is are some summer outdoor concerts. I think the would-be developer may have gotten a little ahead of themselves posting the concept drawings online for the public to see before even seeking approval from the Township. But, at least they were nice enough to give us extra detail… like marking the ponds along Five Bridges Path “ponds to be filled.” Umm, environmental assessment please!

Big Plans, Big Concerns:

Let’s break down some of the concerns that have been echoed by the Muskoka Lakes community in the comments of our recent posts:

  • Traffic Jamming on Peninsula Road: Imagine 20,000 people trying to leave a concert at the same time. Peninsula Road doesn’t exactly measure up to Highway 401, and traffic coming over the bridge at Port Sandfield is already a fun little challenge during peak season, isn’t it?

  • Noise, Noise, Noise: Ever wonder how far the sound from a massive concert goes? According to a good ol’ Google, sound from a concert can be heard up to a few miles away… and when 20,000 fans are rocking out, that’s not just background noise for a quiet evening by the lake. Speaking of a quiet evening by the lake – water doesn’t absorb sound as effectively as land does, and areas with less ambient sound (like a quiet lake at night) make it easier to hear sound from further away. 

  • Night Moves: Picture it—thousands leaving a concert, potentially a bit tipsy, navigating our roads and lakes in the dark. A little anxiety inducing, no? Especially on top of the extra anxiety we’ve all felt after an increase in boating accidents over the last few summers. What if there’s a fire somewhere during this traffic mayhem? Or what if there’s an emergency at the concert venue itself? Emergency services aren’t exactly nearby. Not to mention the strain already facing our hospital… 

  • Environmental Worries: Remember when Wallace Bay had its own drama, like that unfortunate sewage spill from JW Marriott The Rosseau? It’s been sorted, but it’s a reminder that our environment needs TLC, not more stress. Between Legacy Cottages, Clevelands House, and the JW Marriott The Rosseau, By the way – the Official Plan Amendment that designated Minett a ‘Resort Village’ does include rules about being connected to municipal services.

And on the same environmental angle – according to the neighbours, who used to walk Five Bridges Path regularly, the field that was just cleared was teeming with wildlife. Milkweed for butterflies, regular deer sightings, breeding frogs, a turtle in the pond (that I’m told the Marriott had even named!). Check out the before pictures below, some submitted by the community (thank you!) and some from social media. You can check out current pictures here.

  • Overdevelopment Concerns: Minett’s charm is in its quaintness. Yes, it’s been designated as a resort area… but if we let developers go too far, it will lose what made it desirable to begin with. Luckily, the Official Plan Amendment regarding Minett aims to ensure new development respects the area’s natural beauty and environmental sensitivity. Let’s make sure they stick to that. 
  • Property values: This project actually coming to fruition could certainly harm property values in the area. But there’s no cause for panic. First of all, Clevelands House redevelopments aren’t even slated to start yet (The Ontario Land Tribunal hearing doesn’t start until May). Second, if this concert venue concept is even approved (BIG if), between approvals, permits, and construction, it would be years off. So no need to look at selling yet! Now’s the time to get involved and make your voice heard, but it’s far too soon to be anxious from a real estate standpoint.

What Can You Do to Help?

Here’s the thing: it basically just comes down to speaking up! Community engagement has a huge role in shaping development outcomes in Muskoka – just look at Clevelands House, and the work done by the MLA and the community to change the number of allowed units from 4000 to 1700. Love the idea of more attractions in Minett or worried about losing the quiet beauty of our lakes? Either way, it’s time to get involved.

  • Stay Informed: Knowledge is power. Keep up with local news, attend town hall meetings, and read up on what we know about the concept so far. Any new information we find will be shared here and on our Instagram account @cottageinmuskoka. Should the need for a petition arise, we will make sure to inform you. The MLA (Muskoka Lakes Association) does a fantastic job at keeping the community informed. If you aren’t a member yet, it’s worth looking into.
  • Speak Up: Got something to say? Social media, community forums, and public meetings are great places to share your thoughts. We started covering this topic because of the neighbours in the area causing a stir. A massive “thank you” to them!
  • Engage with Decision-Makers: Send your feedback to the folks making the calls. Writing to the Township of Muskoka Lakes would be a great start. For example, the trailers on the field property behind the Marriott are not on the site plan – I’m told that could potentially subject the owner to a fine, so I’ll be emailing the Township to confirm. Note – this is not a by-law infraction, so please don’t use the form below for this.
  • Report Concerns: Notice someone breaking a by-law? The Township of Muskoka Lakes has a webform for reporting by-law infractions, which can be used to make an official complaint. 

Wrapping Up

The direction we take in Muskoka Lakes depends on all of us. Whether you’re excited about the prospect of more to do in Minett, or protective of the peace, staying engaged is key. After all, Muskoka has a lot worth protecting… and its future is in our hands. Let’s make sure it’s a future we all can love.

Got thoughts on the Muskoka Lakes development? Comment here, join the conversation on our recent instagram posts (you’ll have to be signed in), or email me at len@cottageinmuskoka.ca.

Muskoka Real Estate Market

Muskoka Real Estate Spring 2024 Market Report – Waterfront

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S U M M A R Y

Despite matching the lowest activity in over 20 years, the massive, media-predicted price reductions never came to pass in 2023 for the Muskoka recreational market. On the surface, the sales data suggest that prices increased by roughly 10% from 2022 to 2023. However, activity at the highest end of the market skewed these numbers and illustrate why “average price” is often more instructive to where the sales are occurring, in this case, in the high-end of the market, rather than providing a general statement on the entirety of a market.

We saw, an additional seven properties, with an average price of $12,000,000 sell in 2023. These sales alone increased the average price by over $200,000 and further reminds us of the limitations of benchmarking a fragmented and relatively small market such as Muskoka waterfront. Normalizing for these extremes, the numbers indicate that prices fell by high single digits – well off the 30% figure cited in the headlines. The fire sale that many buyers were waiting for never occurred and sellers looking to ride the pandemic market wave were met with growing inventory and tentative buyers. The market entered firmly into a more balanced “give-and-take” between sellers and buyers.

Inventory

Inventory grew to levels not seen since 2019 and tripled that of the historical lows from the last half of 2020 to the first quarter of 2022. With more choices for buyers, the multiple bidding phenomenon cooled substantially in 2023, curtailing the main inflationary element we saw during the pandemic. While the pandemic saw the a surge in investment cottage buyers, we did see the return of the more traditional cottage buyer this past year. They acted quickly and decisively when they came across the unique combination of features and price they sought. Unlike in 2008 and the early 1990s, buyers are still very much engaged and able.

Through the last half of 2020 to the spring of 2022, monthly sales matched the number of monthly active listings
resulting in an overheated market and unprecedented price increases. 2023 saw the return to a more normal
correlation between sales and inventory.

Annual Unit Sales – Over List vs Under List Price

Although sales matched a 20 year low, 14% of sales, in 2023, resulted in a sale price over the list price. We can
infer that the majority of these sales were either in a multiple bid scenario or that a multiple bid was anticipated by a
determined buyer.

Post Pandemic Pricing Table – Muskoka Recreational

The pandemic market brought an end to the sub $500,000 price point. Entry
level cottages are now in the $700,000 plus range. On a percentage basis
the entry level saw the largest year over year increases during the pandemic.

If you have any questions or want more specific data about your Township, please email me at cath@cottageinmuskoka.ca!

Friends of the Muskoka Watershed

Can’t Make it to a Muskoka Ash Drive? How to Become a Self Spreader!

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If you’re interested in contributing to the Muskoka ecosystem but can’t attend a Muskoka Ash Drive (Friends of the Muskoka Watershed), spreading wood ash on your property can be a powerful way to support environmental health and sustainability. This guide will show you how to become a self-starter in replenishing the land and supporting local initiatives from the comfort of your own home.

Key Steps for Safe and Effective Wood Ash Spreading

  1. Ensure Ash is Cold and Dry: Before you start, make sure the wood ash has completely cooled for several days. This precaution is essential to prevent any fire hazards.
  2. Personal Safety Gear is a Must: Protect yourself by wearing gloves, long pants, and a mask. This safety gear will help you avoid any irritation or harm while spreading the ash.
  3. Source of Ash: Use ash from clean, untreated wood only. Avoid ash from pressure-treated lumber, plastics, or any wood that has been exposed to harmful chemicals. This step ensures that you’re contributing positively to the ecosystem without introducing pollutants.
  4. Proper Application: FOTMW has researched the optimal amount of ash for spreading: one 750 ml yogurt container per square meter of forest (or ~the area around one tree). This specific ratio helps to counteract the effects of acid rain by replenishing calcium levels in the soil.
  5. When and Where to Spread Ash: It’s advisable to spread wood ash once to combat 50 years of calcium depletion – that’s all it takes to completely restore calcium to pre-1960s levels. Choose areas away from frequent human and pet traffic, and ensure you’re not near water bodies to prevent ash runoff.
  6. Community Engagement: After contributing to this environmental effort, share your actions with FOTMW. Whether it’s through social media or direct communication, your participation highlights the collective effort to restore Muskoka’s natural beauty. And don’t just stop collecting ash once your property has been restored! Please consider donating to a Muskoka Ash Drive held by Friends of the Muskoka Watershed. The dates for the rest of the year are below:

Saturday, April 20, 2024

Saturday, September 21, 2024

Saturday, October 19, 2024

Saturday November 16, 2024

Muskoka Ash Drives are held from 9:30am to 1pm at 1062 Rosewarne Drive (Rosewarne Transfer Station) in Bracebridge, Ontario.

Benefits for Muskoka’s Ecosystem and Real Estate

By adopting these practices, you’re playing a critical role in fostering a healthier Muskoka ecosystem. The benefits extend beyond forest revitalization; they contribute to mitigating climate change impacts, reducing the risk of seasonal flooding, and enhancing conditions for local wildlife and aquatic life. This initiative reflects the broader community values of environmental stewardship, a principle highly regarded by prospective cottage buyers in Muskoka.

The FOTMW initiative is not just about individual contributions; it’s about mobilizing the community towards a common goal of ecological restoration. By participating, you’re investing in Muskoka’s future, making it an even more attractive location for real estate investments, especially for those who value sustainability and environmental responsibility.

Becoming a self-spreader of wood ash is a simple yet impactful way to contribute to Muskoka’s environmental health. By following these guidelines, you’re taking an active role in a community-wide effort to restore and preserve the natural beauty and ecological balance of Muskoka, enhancing its appeal as a premier destination for eco-conscious real estate investors.

Lake Rosseau, Muskoka News

Lake Rosseau Concert Venue Concept: Minett’s Latest Environmental Debate

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Well… more big news from Minett… a potential new Lake Rosseau concert venue! A field next to the JW Marriott the Rosseau on Lake Rosseau, a space once teeming with wildlife including frogs, deer, and an array of local flora, faces a significant transformation. Recent clear-cutting activities (update – not clear cutting! The low brush has been removed, and the MLA estimates ~20 trees were removed) have stripped a potentially environmentally sensitive area (including a field and two ponds), igniting community concern. 

A concert park site plan drawing of the Lake Rosseau concert venue at the JW Marriott the Rosseau on Lake Rosseau.

The Proposed Marriott Rosseau Concert Venue: A Glimpse into the Future

Amidst discussions, an ambitious concert venue concept under the ‘HotelLIVE!’ brand emerges. With concept drawings showcasing a staggering capacity of 20,000, this venue is poised to surpass Toronto’s renowned Budweiser Stage in size. I must make clear that the Township of Muskoka Lakes has not approved this concert venue concept, and as far as I know nothing has been submitted to them. So, proper approvals and permits still stand between concept and reality. 

Site plan context of the Lake Rosseau concert venue at the JW Marriott the Rosseau on Lake Rosseau.

Environmental and Community Impacts at the Heart of Concern

This development proposition does not stand in isolation. It is part of a broader narrative of change sweeping through Minett, touching key landmarks like the redeveloping Clevelands House and the new Legacy Cottages development on Wallace Bay on Lake Rosseau – an area with a history of environmental challenges.

This Lake Rosseau concert venue concept, alongside the revitalization of Clevelands House and the burgeoning Legacy Cottages, foreshadows increased traffic through Peninsula Road. Mitch Goldhar, leading the Clevelands House redevelopment, has said he will look at potentially mitigating construction traffic… though there is no guarantee. The anticipated influx from concertgoers and the increasing development in Minett remains a concern. For more information on the plan for Clevelands House, check out the Cleves highlight on my instagram account. You can also check out a final aerial tour of Clevelands House (including some Lake Rosseau ice out shots) on my YouTube here.

Master property layout of the Lake Rosseau concert venue at the JW Marriott the Rosseau on Lake Rosseau.

A Call to Action: Empowering the Community with Information

I will also make an Instagram highlight for the JW Marriott the Rosseau as well if things continue to develop. If I’m able to get my hands on an e-copy of the JW Marriott the Rosseau site plan, I will include that in my newsletter this weekend, which you can sign up for here.

As always, I’m just doing my best to share whatever information I come across to empower our community to be well informed. Let’s advocate for balance between development and preservation in Muskoka Lakes! Your engagement is vital as we navigate these changes together, ensuring that the future of Minett, and Muskoka as a whole, reflects both our hopes for progress and our commitment to the natural beauty that defines our community.

If you have questions or comments, please feel free to join in the conversation on my instagram post about this Lake Rosseau concert venue concept here! Or, you’re welcome to email me at len@cottageinmuskoka.ca. 

Friends of the Muskoka Watershed, Muskoka Environment

Wood Ash in Muskoka: Revitalizing Lakes and Forests

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In the pristine regions of Muskoka, Ontario, a groundbreaking environmental initiative is breathing new life into the forests that drape the landscape via wood ash additions! The local community, with the support of the Friends of the Muskoka Watershed (FOTMW), has embarked on a mission to counteract the effects of acid rain and calcium depletion—a legacy of industrial activity that has left its mark on the environment. This post delves into the transformative power of wood ash, an unassuming byproduct of our cozy firesides, in rejuvenating our forested backyards.

Students from Sir Sandford Fleming spreading wood ash at a Friends of the Muskoka Watershed test site in Bracebridge, ON.

The Calcium Crisis

For decades, Muskoka’s forests have faced a silent threat: the gradual loss of calcium from the soil, a crucial nutrient for tree health and growth. This decline has weakened our trees, consequently making them more susceptible to disease, pests, and extreme weather. It has also impacted the aquatic life in our lakes. Many species now struggle to maintain the calcium levels necessary for their survival.

A Local Solution to a Global Problem:

Enter wood ash—the unexpected hero in this ecological narrative. Rich in calcium and other essential nutrients, wood ash has emerged as a natural, effective remedy for replenishing the calcium-depleted soils of Muskoka.

Friends of the Muskoka Watershed has spearheaded research, in collaboration with Canadian universities, revealing the significant benefits of wood ash application. Treated forests are not just surviving, but thriving! Trees become stronger, more resilient to storms, and better carbon sinks, mitigating the impacts of climate change.

The Benefits of Using Wood Ash in Muskoka

Stronger Trees, Stronger Future:

One of the most remarkable impacts of adding wood ash to our forests is the development of stronger, more resilient trees. Trees fortified with calcium from wood ash are less prone to breakage during storms, reducing the risk of damage to property and loss of forest cover.

This strength is not just a boon for the trees themselves but for the entire ecosystem relying on them. Healthier trees can support a wider range of wildlife, from birds nesting in their branches to the myriad species that call the forest floor home. As these trees grow stronger, they become a living legacy of our commitment to environmental stewardship.

A Breath of Fresh Air – Carbon Capture in Action:

In the face of global climate change, the role of forests as carbon sinks has never been more critical. Trees act as the lungs of the planet, absorbing carbon dioxide during photosynthesis and storing carbon in their wood and soil.

By revitalizing our forests with wood ash, we’re enhancing their capacity to capture and store carbon. This helps mitigate the effects of climate change and contributes to the overall health of our planet. As Muskoka’s trees flourish, they become powerful allies in the fight against climate change!

Mitigating Floods Through Forest Health:

Another significant benefit of strengthening our forests is the mitigation of seasonal flooding. Healthy, robust trees with deep, well-developed root systems can absorb more rainwater, reducing runoff and the risk of floods. This natural flood mitigation is especially important in Muskoka, where melting snow and heavy rains can lead to high water levels.

By using wood ash to enhance soil and tree health, we’re bolstering our natural defenses against increasingly frequent and severe floods. This approach protects our homes, communities, and the natural beauty and biodiversity of Muskoka.

Restoring Balance: Calcium’s Role in Our Watershed:

The benefits of replenishing calcium levels in our forests extend beyond the soil and trees and into our watersheds. Calcium plays a vital role in water health, affecting the life cycles and structural integrity of aquatic life. For example, crayfish and Daphnia plankton rely on calcium to build strong exoskeletons. This makes them crucial indicators of water health.

By restoring calcium to our forests, we inadvertently boost calcium levels in our watershed. This natural restoration supports biodiversity and helps maintain the quality of our water bodies, therefore ensuring they remain a haven for wildlife and the focal point of Muskoka.

The Community’s Role in Spreading Ash in Muskoka:

This initiative’s success lies in its community-driven approach. Many Muskoka residents have actively participated by donating wood ash from their homes. Others have volunteered as “Citizen Scientists”, given training and kits for ash-spreading experiments, enabling wider research and engagement.

The Muskoka community’s collective effort showcases a powerful model of environmental stewardship, where local action sparks significant ecological improvement.

A Path Forward:

The project not only addresses calcium decline, but also opens a dialogue on sustainable living practices. It highlights the potential of simple, locally-sourced solutions in tackling global environmental issues. By turning waste into a resource, Muskoka is helping to set an example for communities worldwide, proving that small changes can have a profound impact on our planet’s health.

This initiative is a testament to what can be achieved when we come together for the greater good of Muskoka. Let’s continue to support and expand this project, which is currently in the midst of collecting enough ash for a first large scale ash addition.

It’s a very exciting one too! It will take place at Harp Lake, an ecologically important lake due to the many years of scientific data available via the Dorset Environmental Science Centre.

Get Involved and Spread the Word about Ash in Muskoka:

The journey to a healthier Muskoka starts with us. Feeling inspired to contribute to the health of our forests and watershed? Please consider donating to a Friends of the Muskoka Watershed Ash Drive. Upcoming dates:

April 20, 2024

September 21, 2024

October 19, 2024

November 16, 2024

All Ash Drives are from 9:30am to 1pm at Rosewarne Transfer Station in Bracebridge, Ontario.

If you can’t make it to an Ash Drive, consider spreading wood ash on your property. To learn more about how you can safely and effectively use wood ash to benefit your local environment, visit our blog post on self-spreading ash at your own properties (Coming Thursday, March 21). Your actions can make a significant difference in our collective effort to restore and protect Muskoka’s natural beauty.

Do you have questions or need guidance on getting started? I’m here to help. Please feel free to reach out to me at len@cottageinmuskoka.ca. Together, we can ensure a greener, more resilient Muskoka for generations to come.

Psst… I am so proud to be able to say that I currently serve as Vice Chair of Friends of the Muskoka Watershed, so please reach out about any of our other projects that pique your interest! Or any questions about Muskoka’s environment in general – if I don’t know the answer, I will definitely find it for you!

Lake Muskoka, Lake Rosseau, Muskoka News, Port Carling

Muskoka Steamships: A Journey Through History and Maintenance at the Port Carling Lock

Muskoka, Ontario, is known for its breathtaking landscapes, pristine lakes, and a rich history of leisurely exploration. One iconic feature of Muskoka is the Muskoka Steamships, which include the Wenonah II and the RMS Segwun. These vintage vessels have been sailing the Muskoka Lakes for generations, offering a unique and timeless experience for both residents and visitors.

The RMS Segwun dry docked at the large lock in Port Carling, Muskoka Lakes, Ontario. October 19, 2023.

But have you ever wondered why these charming steamships periodically dry dock at the Port Carling lock? In this blog post, we’ll dive into the fascinating world of Muskoka Steamships, their significance, and the essential Transport Canada mandated maintenance and inspection that takes place at this strategic location.

Muskoka Steamships: A Legacy of Elegance

The Wenonah II and RMS Segwun are more than just boats; they are floating pieces of history. The RMS Segwun, for instance, was built in 1887, making it one of the oldest operating steamships in North America. These vessels offer an authentic glimpse into Muskoka’s past and provide an unforgettable experience to those who step aboard.

The Importance of the Port Carling Lock
The RMS Segwun dry docked at the large lock in Port Carling, Muskoka Lakes, Ontario. October 19, 2023.

To ensure the safety and longevity of these cherished vessels, Transport Canada mandates regular maintenance and inspection. The Port Carling lock, located on James Bartleman Island, where Lake Muskoka meets Lake Rosseau and connects to Lake Joseph, stands as the only place that can accommodate their specific needs. This strategic location serves as the indispensable hub for servicing and maintaining the Muskoka Steamships. This process should be completed around November 7th.

This also provides a great opportunity for inspection and maintenance of the large lock!

Port Carling Small Lock – Standing By!

During the ~ month long closure of the large lock, the small self-serve lock is still operational to allow passage between Lake Rosseau and Lake Muskoka.

A Rare Opportunity to Witness the Steamships Out of Water

The dry docking process at the Port Carling lock provides a remarkable and rare opportunity for enthusiasts and curious onlookers to witness these historic steamships out of the water. It’s a chance to see the intricate details of these vessels, which are typically hidden beneath the surface, and gain a deeper appreciation for their craftsmanship. 

You can see a video of the RMS Segwun dry docked at the Port Carling Lock on our instagram.

Transport Canada Mandated Maintenance

The mandated maintenance and inspection processes are critical to ensuring the safety and functionality of these historic vessels. They include checks on the steam engines, hull, and other essential components. These activities are conducted with the utmost care and expertise to preserve the charm and reliability of the steamships.

The Muskoka Steamships, Wenonah II and RMS Segwun, are living pieces of history that offer a timeless and elegant experience on the Muskoka Lakes. The Port Carling lock plays a vital role in preserving these iconic vessels by providing the only location that can accommodate their specific needs for Transport Canada mandated maintenance and inspection. As they continue to navigate the beautiful waters of Muskoka, the legacy of the steamships lives on, enchanting new generations with a taste of the past.

The iconic Port Carling Wall, located diagonally across the intersection from the Port Carling Lock.

So, the next time you see the Muskoka Steamships cruising on Lake Muskoka, Lake Rosseau, or Lake Joseph, you’ll have a deeper appreciation for the care and maintenance that keeps these pieces of history afloat. Hopefully you had the chance to see them out of the water during the dry docking process, but if not don’t forget to check out our instagram for a closer look!

RMS Segwun at the Port Carling Lock.

Nov. 6, 2023 – Dry docking complete at the Port Carling Lock!

Muskoka Activities, Muskoka cottage life

Muskoka Weather: The Complete Guide

Muskoka is a destination known for beautiful scenery – rocky outcroppings, windswept pines, and lakes everywhere. While there are a TON of other reasons to visit ranging from world class dining to museums and antique wooden boats, you’ll likely want to visit when the weather in Muskoka is at its best for outdoor activities.

Fall Weather in Muskoka, Ontario

In Muskoka, Ontario, fall offers a captivating display of nature’s transition. As the summer warmth gradually fades, visitors can expect a breathtaking mosaic of crimson, gold, and amber foliage painting the landscape. Crisp, invigorating air sweeps through the region, carrying with it the earthy scent of fallen leaves. This is by far my favourite season for hiking in Muskoka – two fall favourites are Lions Lookout in Huntsville or Huckleberry Rock Trail in Muskoka Lakes. You can check those out along with lots of other fall activities here.

The daytime temperatures typically range from the mid-tens to low twenties in degrees Celsius, offering a comfortable climate for outdoor adventures like hiking, canoeing, and enjoying the region’s many lakes. However, as the season progresses, the nights grow cooler, often dipping into single digits or below zero overnight, so cozy sweaters and bonfires become inviting companions. 

If you’re coming to Muskoka to check out the fall colours, they usually peak during the first weekend in October. Muskoka Tourism does a fall colour report that you can check out for more exact timing.

By the end of October the weather is quite chilly – it’s often snowing for Halloween, so make sure to pack appropriately!

Fall Weather in Muskoka at Huckleberry Rock Lookout Trail
Fall views after sunset at Huckleberry Rock Lookout Trail in Muskoka Lakes, Ontario

Winter Weather in Muskoka, Ontario

Winter weather in Muskoka, Ontario transforms this picturesque region into a winter wonderland. You might not think of visiting Muskoka in the wintertime, but it’s well worth it if you’re an outdoor enthusiast! 

Expect cold and snowy weather – it gets to -30c here sometimes! Muskoka weather often includes heavy snow due to our proximity to the Great Lakes. Make sure you pack your warmest clothing! You’ll need it to enjoy snowmobiling, snowshoeing, ice fishing, skating, and fireside gatherings!

Spring Weather in Muskoka, Ontario

Spring weather in Muskoka ushers in a season of rejuvenation and transformation – though that transformation includes a bit of an ugly duckling period. In no way is Muskoka ever truly “ugly” in the slightest, but I would say this is the least picturesque time to visit this region. The trees are bare, and everything is a little muddier. However, watching the trees slowly start to bud is always enjoyable, as is the hunt for spring wildflowers which start appearing everywhere. The lake views are still gorgeous. This is a good time to hike before the bugs start to appear – pack a rain coat and some good boots or hiking shoes. 

Expect temperatures to gradually rise from the freezing cold of winter to the milder and more comfortable teens in degrees Celsius. However, spring in Muskoka also signifies the onset of the flood season, particularly during the period of rapid snowmelt and heavy rains. The combination of thawing and precipitation can lead to swollen rivers and lakes, sometimes causing flooding in low-lying areas. Please keep in mind that if it’s a bad year for flooding you may not be allowed out on the water because of dangerous deadheads (floating wood and debris) and the potential to damage the shoreline with boat wake. 

My favourite spring activity is stargazing on the dock at night before the bugs come out. Pleasantly cool temps, no bites, and the lakes aren’t lit up with summer cottage activity yet!

Summer Weather in Muskoka, Ontario

Here it is – the most popular season to visit Muskoka. Summer! The weather in Muskoka unfolds into a sun-soaked paradise of warm and sunny days, with temperatures often in the mid to high twenties or low thirties in degrees celsius. This is the perfect time to enjoy Muskoka’s plethora of lakeside activities – swimming, boating, paddling, sunbathing on the dock, swimming. Just don’t forget the sunscreen!

Our forests certainly aren’t lacking either – this is a great time for camping and hiking enthusiasts to enjoy the outdoors. There’s nothing like a good dip in the lake after a long and sweaty hike to a spectacular view – and we have no shortage of spectacular views here. 

There are occasional rain showers that provide relief from the summer heat, but sometimes we have long periods without – so please keep an eye on the fire rating and double check it before enjoying a bonfire. 


In conclusion, Muskoka’s weather offers a delightful tapestry of seasons, each with its own unique charm. Whether you’re captivated by the colors of fall, enthralled by the winter wonderland, invigorated by the freshness of spring, or eager to bask in the sunny delights of summer, Muskoka has something for every outdoor enthusiast. Pack your bags (hopefully using the info above), and we’ll see you in Muskoka!

Muskoka Real Estate Market

Muskoka Real Estate Market May 2023

Muskoka’s waterfront economy creates over one billion dollars in income annually. It is necessary for the survival of local residents, as well providing substantial support to all tiers of government. The Muskoka Real Estate Market is a huge contributor to that waterfront economy.

Muskoka offers a unique respite for Greater Golden Horseshoe residents, along with celebrities and wealthy vacationers from around the world. The recent trend of telecommuting has allowed more cottage owners to live and work in Muskoka.

Close to 2,000 Muskoka lakes glitter in the sunlight and have been attracting people from around the world for hundreds of years, and indigenous people for thousands of years before that. Cottage owners and tourists bring much needed money with the summer boost in population. The permanent population is almost 67 thousand and the seasonal population is about 80 thousand, bumping the summer population up substantially.

The Muskoka market is unique due to the limited number of sales as compared to other markets, eg. the GTA, the vast variety of offerings, from small residential to multi-million dollar waterfront, and the consistent glut of buyers.

The topography of Muskoka and its waterways, and the very necessary restrictions on building, limit the number of waterfront homes that will ever be available. The buyer pool never wanes, but steadily increases.

The market may be going through a somewhat volatile period, but overall value in Muskoka remains stable. Big picture – steadily increasing prices over time, with the occasional market adjustment.

As we love to paraphrase – “they’re not making any more land”. Or lakes in the foreseeable future.

OVERALL MUSKOKA MARKET STATISTICS

As we head into the busy Muskoka summer market, we are seeing a somewhat dramatic increase in newly listed properties, as well as several properties that did not sell last fall or over the winter season. Price adjustments are once again becoming common, as sellers face the reality of a market that is becoming more balanced. We are seeing numbers that are similar to those in 2020. We expect values to even out over a five year period. Those sellers who are finding themselves in a position to sell after owning their property for a short time are going to feel the pinch. We are seeing some properties listed that were purchased at elevated prices during the pandemic. It is doubtful that they will resell at the same or similar price without having made any improvements.

A month's supply of homes for sale in the Muskoka Real Estate Market comparing several regions of Muskoka, including Muskoka Lakes Township, Huntsville, Bracebridge and Gravenhurst.

The following numbers compare April 2023 with April 2022.

Overview of the current state of the Muskoka Real Estate Market:

Average price of a 2023 waterfront dwelling is $1,836,756.00 versus $2,199,562.00 in 2022, showing an adjustment of -16.5%.

The average sales price in the Muskoka Real Estate Waterfront sales market May 2023, comparing Muskoka Lakes Township, Huntsville, Bracebridge and Gravenhurst.

Muskoka Lakes Township

Average price 2023 waterfront dwelling is $2,694,658.00 versus $3,515,088.00 in 2022, showing an adjustment of -23.3%.

Median price of 2023 waterfront dwelling is $1,749,000.00 versus $1,550,000.00 showing an adjustment of +12.8%.

Days on market this year average 25, last year average 26.

This is moving to a more balanced market.

A graph comparing the number of new listings in the Muskoka Real Estate Market 2023 comparing Muskoka Lakes Township, Huntsville, Bracebridge and Gravenhurst.

Bracebridge

Average price 2023 waterfront dwelling is $754,675.00.00 versus $869,250.00 in 2022, showing an adjustment of -13.2%

Median price of 2023 waterfront dwelling is $660,000.00 versus $830,500.00 showing an adjustment of -20.5%.

Days on market this year average 37, last year average 6.

A graph comparing real estate sales average days on market in the Muskoka Real Estate Market May 2023, comparing Muskoka Lakes Township, Huntsville, Bracebridge and Gravenhurst.

Gravenhurst

Average price 2023 waterfront dwelling is $930,000.00 versus $2,524,120.00 in 2022, showing an adjustment of -63% ** (please see below for explanation)

Median price of 2023 waterfront dwelling is $930,000.00 versus $1,350,000.00 showing an adjustment of -31.1%.

Days on market this year average 22, last year average 18.

A graph of number of sales in the Muskoka Real Estate Market May 2023, comparing Muskoka Lakes Township, Huntsville, Bracebridge and Gravenhurst.

Huntsville

Average price 2023 waterfront dwelling is $861,000.00 versus $779,861.00 in 2022, showing an adjustment of +10.4%.

Median price of 2023 waterfront dwelling is $780,000.00 versus $260,000.00 showing an adjustment of +200%.

Days on market this year average 94, last year average 23.

**

Gravenhurst’s -63% is alarming until you realize that this is based on two sales only, and therefore not statistically significant.

To summarize, sale prices are down slightly overall and price adjustments are becoming more common.

Your local, experienced, competent realtor has access to individual, specific, sold listings to help you determine value as you buy and sell Muskoka real estate.

Happy Real Estating!

Lake Rosseau, Muskoka News, water quality

Unveiling Muskoka’s Legacy Cottages: Part One

Nestled on the shore of Lake Rosseau in the heart of Ontario’s esteemed Muskoka region, a contentious development has emerged that is raising concerns among many local residents and environmentalists. In this first part of our series, we’ll delve into the concept and location of the Legacy Cottages project, aiming to provide an informative overview while remaining objective. 

In future I may discuss the bumps in the road the developers and the Township of Muskoka Lakes faced along the way, Minett’s redesignation to a “Resort Village,” and some of the developer’s other projects. 

An aerial view of the 43 units of Legacy Cottages on the shore of Lake Rosseau, Minett, Muskoka, Ontario.
Legacy Cottages. Lake Rosseau, Minett, Muskoka. August 2022.
Understanding the Legacy Cottages Project:

Legacy Cottages, spearheaded by the Rosseau Group, is a development located along the shores of Lake Rosseau, one of the most prestigious lakes in Muskoka. The project aimed to create a modern and affordable retreat for individuals seeking to enjoy the natural beauty and tranquility of the region, as well as promote increased tourism. This area of Lake Rosseau is in the village of Minett, which is located in the Township of Muskoka Lakes. 

Legacy Cottages kicked up a lot of debate, especially regarding density concerns and potential environmental impact on the water quality and shoreline of Lake Rosseau. The project consists of 43 units, 9 docks, and a boathouse on 470 feet of shared shoreline – that’s approximately 11 feet of shoreline per cottage. It is located on the site of the old Lakeside Lodge, which is located next to Clevelands House Resort. 

This high density of development was allowed due to the District planners deciding that the use of a two week rental pool qualified Legacy Cottages as commercial rather than residential. We’ll talk more about this when we talk about Minett’s redesignation to a “Resort Village” and the 22 million dollar lawsuit filed by the developers against the Township of Muskoka Lakes. 

Project Concerns:

Critics of the Legacy Cottages project raise valid concerns about its potential environmental impact. The region’s lakes and forests are sensitive ecosystems that play a crucial role in maintaining biodiversity, water quality, and overall ecological balance. 

The proposed location of the Legacy Cottages project is a matter of concern for many. Lake Rosseau has already faced some water quality concerns attributed to the presence of other resorts and developments – namely an excess of certain nutrients such as phosphorus. 

Phosphorus is the nutrient that controls algal growth in most lakes in Ontario, which means an excess in phosphorus can lead to an algal bloom. While the natural addition of phosphorus into a lake via sediment and precipitation is necessary and nothing to be concerned about, excess phosphorus due to human inputs are of concern. Namely, septic system seepage and surface runoff from lawn fertilizer and agricultural sources. Not only can something like an algal bloom be detrimental to the ecology of the lake, it can reduce the attractiveness of the lake for tourism.

There are also other environmental concerns like the construction of shoreline structures such as docks, lack of shoreline buffer zone, the use of retaining walls, an increase in boat traffic, and an overall increase of human activity in the area. We will delve deeper into the environmental concerns surrounding the project (including a look at the water quality of Lake Rosseau and Wallace Bay) in a future part of this series, and examine if they could lead to the degradation of the surrounding natural environment.

9 Docks and a Boathouse. Legacy Cottages, Lake Rosseau, Minett, Muskoka. August 2022.
Objectives of the Legacy Cottages Project:

Proponents of the Legacy Cottages project argue that it aims to enhance the accessibility of Muskoka’s beauty to a wider audience while contributing to the local economy through increased tourism and development. Buying a cottage in Muskoka, sometimes referred to as the “Hamptons of the North” can be extremely expensive. With units at Legacy starting at $699,000, buying a cottage there allows access to one of Muskoka’s most prestigious lakes at a far more affordable price point. 

Conclusion:

So, there it is – the concept, location, and objectives behind this contentious development in Muskoka. While some argue that the project presents an opportunity for modernization and economic growth, others express concerns about its potential impact on the area’s fragile ecosystem. It must be emphasized that the developers have not broken any laws, and while I may not agree with the rules – they have followed them. 

Let me know if you’d like me to delve deeper into the re-designation of Minett to a “Resort Village,” or turn my attention to a deeper dive on the  environmental considerations surrounding the Legacy Cottages project. This would include a look at potential alternatives or mitigations that could strike a balance between development and conservation.