$859K · 2+2 bed Detached · Keswick South, Georgina

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About this home

Premium lot at the end of a cul-de-sac. Canal Frontage leading to Lake Simcoe. Newer laminateflooring on main floor. Newer vinyl flooring in the basement. Freshly painted. Pot lightsthroughout. Quartz Countertops and Quartz Waterfall Island in kitchen. Stainless SteelAppliances. 2 Wood Burning fireplaces. Large oversized garage. Backyard Sauna. Large Deck.Boathouse. Seasonal Lake Access. Minutes to Hwy 404. Close to Amenities.

Property details

MLS#

N13123496

Status

Buy Now

Beds

2+2

Baths

3 full, 0 half

Size

1100-1500

Style

Bungalow

Type

Detached

Year built

—

Roof: Shingles
Foundation: Brick
Property features: Beach, Cul de Sac/Dead End, Lake Access, River/Stream, Waterfront

Waterfront: Yes
Water view: Direct
Water body: Lake Simcoe
Water frontage: 176.07 ft
Shoreline: Other
Waterfront features: Boathouse, Other

Garage: 2-car Attached
Garage spaces: 2
Parking: 6 total
Lot: 190.4 × 106
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Pool: No
Exterior: Brick
Fronting on: South
Cross street: The Queensway S & Pleasant Blvd
Basement: Finished
Stories: —
Utilities: —
Laundry: —
Interior: Auto Garage Door Remote, Carpet Free
Parking features: Private

Level	Room	Dimensions
Main	Kitchen	3.66m × 4.55m
Main	Dining Room	3.52m × 3.54m
Main	Living Room	4.75m × 6.44m
Main	Primary Bedroom	3.44m × 3.6m
Main	Bedroom 2	2.37m × 3.53m
Basement	Recreation	5.42m × 6.29m
Basement	Bedroom 3	3.81m × 4.44m
Basement	Office	2.67m × 4.78m

Level

Room

Dimensions

Main

Kitchen

3.66m × 4.55m

Main

Dining Room

3.52m × 3.54m

Main

Living Room

4.75m × 6.44m

Main

Primary Bedroom

3.44m × 3.6m

Main

Bedroom 2

2.37m × 3.53m

Basement

Recreation

5.42m × 6.29m

Basement

Bedroom 3

3.81m × 4.44m

Basement

Office

2.67m × 4.78m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $858,500✓ $7,029 tax✓ Gas✓ 1100-1500 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$6,599/mo

incl. closing costs (yr 1)

Annual total

$79,193

year 1

Mortgage only

$3,257/mo

principal + interest

Beyond mortgage

$1,747/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$171,700

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$586/mo

Utilities

Hydro / electricity$91/mo

≈ $0.07/ft² × ~1,300 ft² · ON avg ~$91/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%$8,585/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$13,645

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)49% $39,083/yr

Property taxes26% $20,674/yr

Utilities5% $4,152/yr

Insurance & security2% $1,600/yr

Maintenance11% $8,585/yr

Closing costs6% $5,100/yr

Mortgage is 49% of your true cost of ownership. The other 51% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$39,083	$3,257/mo
Government & taxes
Property tax	$7,029	$586/mo
Land transfer tax(closing)	$13,645	$1,137/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$1,092	$91/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$8,585	$715/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	$79,193	$6,599/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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27 Waterbend Drive

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Property details

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Annual costs