$2.19M · 5 bed Detached · Churchill, Innisfil

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About this home

Client RemarksWelcome to 2236 Pemberton Way, an exceptional 5-bedroom, 4.5-bath luxury residence offering 4,373 sq ft of refined living space on a rare nearly 1-acre lot in the prestigious Churchill Downs Estate Community of Innisfil. Perfectly positioned on a quiet cul-de-sac with no sidewalk, this nearly new home showcases timeless elegance and modern sophistication. A 3-car tandem garage, plaster crown moldings, elegant wainscoting, and coffered ceilings set a grand tone, complemented by hard…

Property details

MLS#

N13230112

Status

Buy Now

Beds

Baths

5 full, 0 half

Size

3500-5000

Style

2-Storey

Type

Detached

Year built

—

Roof: Shingles
Foundation: Concrete

Fireplace features: Natural Gas

Garage: 3-car Attached
Garage spaces: 3
Parking: 9 total
Lot: 120.77 × 361.3
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Pool: No
Waterfront: No
Exterior: Brick
Fronting on: North
Cross street: 4th Line/Yonge St
Basement: Unfinished
Stories: —
Utilities: —
Laundry: —
Interior: Other
Parking features: Private

Rooms

Level	Room	Dimensions
Main	Great Room	4.43m × 5.32m
Main	Living Room	5.69m × 4.84m
Main	Dining Room	5.26m × 3.56m
Main	Kitchen	5.21m × 3.75m
Main	Breakfast	5.21m × 4.79m
Main	Family Room	5.21m × 6.59m
Second	Primary Bedroom	6.28m × 4.59m
Second	Bedroom 2	5.12m × 4.52m
Second	Bedroom 3	4.87m × 4.32m
Second	Bedroom 4	4.2m × 3.95m
Second	Bedroom 5	4.05m × 5.81m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $2,190,000✓ $10,612 tax✓ Gas✓ 3500-5000 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$15,564/mo

incl. closing costs (yr 1)

Annual total

$186,765

year 1

Mortgage only

$8,308/mo

principal + interest

Beyond mortgage

$3,362/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$438,000

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

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$884/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%$21,900/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$41,225

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)53% $99,698/yr

Property taxes28% $51,837/yr

Utilities4% $6,630/yr

Insurance & security1% $1,600/yr

Maintenance12% $21,900/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)	$99,698	$8,308/mo
Government & taxes
Property tax	$10,612	$884/mo
Land transfer tax(closing)	$41,225	$3,435/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%)	$21,900	$1,825/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	$186,765	$15,564/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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2236 Pemberton Way

About this home

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Property details

Rooms

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Annual costs