$510K · 2 bed Detached · Rural Innisfil, Innisfil

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About this home

This is a fully renovated highly sought after Monaco II model located on a quiet court. Backing onto trees and green space, this move-in-ready home offers over 1,300 sq. ft. of beautifully updated living space. Professionally renovated in 2023, the home features new luxury vinyl flooring throughout, fresh neutral paint, upgraded light fixtures, all new window coverings, plank ceilings in the primary bedroom, entrance, and sun room. The kitchen features elegant new cabinetry and LG stainless ste…

Property details

MLS#

N13230910

Status

Buy Now

Beds

Baths

2 full, 0 half

Size

1100-1500

Style

Bungalow

Type

Detached

Year built

—

Roof: Asphalt Shingle
Foundation: Poured Concrete
Other structures: Workshop
Property features: Arts Centre, Beach, Cul de Sac/Dead End, Golf, Lake/Pond, Rec./Commun.Centre

Fireplace features: Natural Gas

View: Trees/Woods

Garage: None
Garage spaces: 0
Parking: 2 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Pool: No
Waterfront: No
Exterior: Vinyl Siding
Fronting on: West
Cross street: Terra Nova Arm & Hearts Content
Basement: Crawl Space
Stories: —
Utilities: —
Laundry: —
Interior: Primary Bedroom - Main Floor
Parking features: Private Double

Level	Room	Dimensions
Main	Kitchen	3.25m × 3.67m
Main	Living Room	3.92m × 4.89m
Main	Dining Room	3.36m × 4.46m
Main	Sitting	3.03m × 5.86m
Main	Primary Bedroom	4.19m × 4.39m
Main	Bedroom 2	3.14m × 3.42m

Level

Room

Dimensions

Main

Kitchen

3.25m × 3.67m

Main

Living Room

3.92m × 4.89m

Main

Dining Room

3.36m × 4.46m

Main

Sitting

3.03m × 5.86m

Main

Primary Bedroom

4.19m × 4.39m

Main

Bedroom 2

3.14m × 3.42m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $510,000✓ $1,780 tax✓ Gas✓ 1100-1500 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,969/mo

incl. closing costs (yr 1)

Annual total

$47,624

year 1

Mortgage only

$1,935/mo

principal + interest

Beyond mortgage

$1,019/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$102,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$148/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%$5,100/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$6,675

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)49% $23,217/yr

Property taxes18% $8,455/yr

Utilities9% $4,152/yr

Insurance & security3% $1,600/yr

Maintenance11% $5,100/yr

Closing costs11% $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)	$23,217	$1,935/mo
Government & taxes
Property tax	$1,780	$148/mo
Land transfer tax(closing)	$6,675	$556/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%)	$5,100	$425/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	$47,624	$3,969/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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