Those northern muskoka lakes usually freeze up late, and its been mild. Check the satellite views and see.
https://worldview.earthdata.nasa.gov/?v=-80.89900582963331,44.028951230569994,-77.78746108182732,45.60633155411053&t=2020-12-29-T08%3A00%3A00Z
looks wide open to me. along with simcoe and the other Muskoka lakes.