$1.95M · 3+1 bed Detached · Historic Lakeshore Communities, Georgina

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About this home

Welcome to lakefront living at its finest on beautiful Lake Simcoe, located in the historic Orchard Beach community of North Keswick just one hour from Toronto. This exceptional property offers unmatched panoramic water views, spectacular year-round sunsets, and endless outdoor recreation. Inside, the classic Viceroy home features an open-concept layout blending a large, bright living and dining area with a modern kitchen. The space is anchored by 12-foot pot-lit tongue-and-groove pine ceilings…

Property details

MLS#

N13157518

Status

Buy Now

Beds

3+1

Baths

5 full, 0 half

Size

1500-2000

Style

Backsplit 3

Type

Detached

Year built

—

Roof: Metal, Asphalt Shingle
Foundation: Block
Property features: Clear View, Fenced Yard, Golf, Lake Access, Place Of Worship, Waterfront

Fireplaces: 1
Fireplace features: Living Room, Natural Gas

View: Bay, Clear, Lake, Panoramic, Water

Waterfront: Yes
Water view: Direct,Unobstructive
Water body: Lake Simcoe
Water frontage: 45.28 ft
Shoreline: Clean, Sandy
Waterfront features: Boathouse, Breakwater, Dock, Marine Rail

Garage: 2-car Detached
Garage spaces: 2
Parking: 12 total
Lot: 45 × 382
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Pool: No
Exterior: Wood · Deck, Landscape Lighting, Landscaped, Lawn Sprinkler System
Fronting on: East
Cross street: Lake Dr N. & Clarlyn Dr
Basement: Finished
Stories: —
Utilities: —
Laundry: —
Interior: Built-In Oven, Countertop Range, Garburator
Parking features: Right Of Way

Level	Room	Dimensions
Main	Living Room	5.77m × 6.53m
Main	Dining Room	2.82m × 3.66m
Main	Kitchen	3.65m × 3.65m
Lower	Primary Bedroom	2.54m × 3.73m
Upper	Bedroom 2	2.54m × 4.17m
Upper	Bedroom 3	2.7m × 4.77m
Upper	Bedroom 4	5.16m × 5.64m

Level

Room

Dimensions

Main

Living Room

5.77m × 6.53m

Main

Dining Room

2.82m × 3.66m

Main

Kitchen

3.65m × 3.65m

Lower

Primary Bedroom

2.54m × 3.73m

Upper

Bedroom 2

2.54m × 4.17m

Upper

Bedroom 3

2.7m × 4.77m

Upper

Bedroom 4

5.16m × 5.64m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $1,949,500✓ $8,830 tax✓ Gas✓ 1500-2000 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$13,647/mo

incl. closing costs (yr 1)

Annual total

$163,770

year 1

Mortgage only

$7,396/mo

principal + interest

Beyond mortgage

$2,838/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$389,900

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

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$736/mo

Utilities

Hydro / electricity$123/mo

≈ $0.07/ft² × ~1,750 ft² · ON avg ~$123/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%$19,495/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$35,465

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)54% $88,750/yr

Property taxes27% $44,295/yr

Utilities3% $4,530/yr

Insurance & security1% $1,600/yr

Maintenance12% $19,495/yr

Closing costs3% $5,100/yr

Mortgage is 54% of your true cost of ownership. The other 46% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$88,750	$7,396/mo
Government & taxes
Property tax	$8,830	$736/mo
Land transfer tax(closing)	$35,465	$2,955/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$1,470	$123/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$19,495	$1,625/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	$163,770	$13,647/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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229 Lake Drive

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Annual costs