$2.20M · 5 bed Detached · Bay Ridges, Pickering

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About this home

A masterclass in architectural integrity, this custom-designed residence is situated in the coveted lakeside community of Bay Ridges with gorgeous views of Frenchman's Bay. Located moments from the beach, waterfront trail, marina, restaurants, shops, parks, and the GO station. From the street, the home establishes an immediate presence defined by a unique porte-cochere design, natural stone accents with Indiana limestone sills, and custom standing seam metal roofing accents. Inside, the layout b…

Property details

MLS#

E13240426

Status

Buy Now

Beds

Baths

4 full, 0 half

Size

3500-5000

Style

2-Storey

Type

Detached

Year built

—

Roof: Asphalt Shingle
Foundation: Concrete
Property features: Beach, Fenced Yard, Marina, Park, Lake/Pond, Public Transit

Fireplaces: 2
Fireplace features: Natural Gas, Family Room

Garage: 1-car Detached
Garage spaces: 1
Parking: 11 total
Lot: 52.66 × 189.88
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Pool: No
Waterfront: No
Exterior: Stone, Other
Fronting on: East
Cross street: Front/Commerce
Basement: Unfinished
Stories: —
Utilities: —
Laundry: —
Interior: In-Law Capability
Parking features: —

Level	Room	Dimensions
Main	Kitchen	3.17m × 4.21m
Main	Great Room	6.9m × 5m
Main	Dining Room	3.74m × 4.21m
Main	Living Room	4.01m × 4.55m
Main	Bedroom 5	2.71m × 3.34m
Second	Primary Bedroom	5.5m × 4.6m
Second	Bedroom 2	5.35m × 4.15m
Second	Bedroom 3	3.38m × 4.15m

Level

Room

Dimensions

Main

Kitchen

3.17m × 4.21m

Main

Great Room

6.9m × 5m

Main

Dining Room

3.74m × 4.21m

Main

Living Room

4.01m × 4.55m

Main

Bedroom 5

2.71m × 3.34m

Second

Primary Bedroom

5.5m × 4.6m

Second

Bedroom 2

5.35m × 4.15m

Second

Bedroom 3

3.38m × 4.15m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $2,199,900✓ $11,380 tax✓ Gas✓ 3500-5000 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$15,694/mo

incl. closing costs (yr 1)

Annual total

$188,331

year 1

Mortgage only

$8,346/mo

principal + interest

Beyond mortgage

$3,434/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$439,980

20%+ required — no CMHC insurance on $1.5M+ homes

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$948/mo

Utilities

Hydro / electricity$298/mo

≈ $0.07/ft² × ~4,250 ft² · ON avg ~$298/mo

Gas$125/mo

Typical ON gas-heated home · ~$125/mo

Water / sewer$60/mo

ON municipal avg ~$60/mo

Internet / TV / phone$70/mo

ON internet/TV avg ~$70/mo

Maintenance & upkeep

Maintenance reserve1.0%$21,999/yr

1% of value/yr — standard reserve

Landscaping & snow$0/mo

Landscaping & snow removal · $0 default

Home insurance$100/mo

$100/mo default · adjust for your home

Security system$0/mo

Optional monitoring · $0 default

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$41,473

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)53% $100,149/yr

Property taxes28% $52,853/yr

Utilities4% $6,630/yr

Insurance & security1% $1,600/yr

Maintenance12% $21,999/yr

Closing costs3% $5,100/yr

Mortgage is 53% of your true cost of ownership. The other 47% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$100,149	$8,346/mo
Government & taxes
Property tax	$11,380	$948/mo
Land transfer tax(closing)	$41,473	$3,456/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$3,570	$298/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$21,999	$1,833/mo
Closing costs (one-time)
Legal / lawyer(closing)	$2,500	$208/mo
Home inspection(closing)	$600	$50/mo
Moving costs(closing)	$2,000	$167/mo
Total	$188,331	$15,694/mo

Listing facts below · Ontario averages for utilities — drag sliders to match your home. CMHC added to loan principal only — not double-counted in chart.

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699 Front Road

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Annual costs