$1.55M · 3 bed Detached · Keswick North, Georgina

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About this home

A Rare Blend Of Storybook Cottage Charm And Modern Urban Comfort, This Beautiful Home In Georgina Invites You To Slow Down, Breathe Deeply, And Savour Life By The Lake. Set On An Impressive Indirect Waterfront Lot With A 2nd Rear Lane Way Access, This Property Offers Room For All Your Toys And Unforgettable Sunsets Enjoyed Right From Your Front Porch. Inside, The Home Radiates Warmth And Character. Living Room With Gas Fireplace And Views Overlooking The Lake. Hardwood Flooring And Terra Cotta T…

Property details

MLS#

N13220342

Status

Buy Now

Beds

Baths

2 full, 0 half

Size

2000-2500

Style

2-Storey

Type

Detached

Year built

—

Roof: Asphalt Shingle
Foundation: Concrete, Stone
Other structures: Fence - Full, Shed
Property features: Beach, Lake Access, Marina, Public Transit, School, Waterfront

Fireplace features: Natural Gas

View: Lake, Water

Waterfront: Yes
Water view: Direct
Water body: Lake Simcoe
Water frontage: 16.1 ft
Shoreline: Clean, Rocky, Sandy
Waterfront features: Dock, Beach Front, Breakwater, Stairs to Waterfront, Seawall

Garage: None
Garage spaces: 0
Parking: 4 total
Lot: 50 × 244.29
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Pool: No
Exterior: Wood · Deck, Lawn Sprinkler System, Porch
Fronting on: East
Cross street: Lake Dr N & Old Homestead Rd
Basement: Unfinished
Stories: —
Utilities: —
Laundry: —
Interior: Carpet Free
Parking features: Private

Rooms

Level	Room	Dimensions
Main	Kitchen	4.03m × 5.75m
Main	Dining Room	2.8m × 5.46m
Main	Living Room	2.13m × 5.13m
Main	Family Room	4m × 6.6m
Main	Den	2.82m × 3.72m
Main	Bathroom	1.31m × 2.11m
Main	Laundry	2.14m × 2.43m
Main	Sunroom	2.75m × 2.99m
Second	Primary Bedroom	4.01m × 6.01m
Second	Bedroom 2	2.85m × 3.21m
Second	Bedroom 3	2.86m × 3.06m
Second	Bathroom	2.3m × 2.74m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $1,550,000✓ $6,288 tax✓ Gas✓ 2000-2500 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$10,956/mo

incl. closing costs (yr 1)

Annual total

$131,476

year 1

Mortgage only

$5,880/mo

principal + interest

Beyond mortgage

$2,328/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$310,000

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

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$524/mo

Utilities

Hydro / electricity$158/mo

≈ $0.07/ft² × ~2,250 ft² · ON avg ~$158/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%$15,500/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$27,475

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)54% $70,563/yr

Property taxes26% $33,763/yr

Utilities4% $4,950/yr

Insurance & security1% $1,600/yr

Maintenance12% $15,500/yr

Closing costs4% $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)	$70,563	$5,880/mo
Government & taxes
Property tax	$6,288	$524/mo
Land transfer tax(closing)	$27,475	$2,290/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$1,890	$158/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$15,500	$1,292/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	$131,476	$10,956/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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145 Lake Drive North Drive

About this home

MyStreetValue™ Analysis

Property details

Rooms

Sales History

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Annual costs