$899K · 3+2 bed Detached · Historic Lakeshore Communities, Georgina

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About this home

Welcome to this stunning bungalow in the highly sought-after Northdale Heights community, set on a premium 59-ft fully fenced and beautifully landscaped lot with vibrant perennial gardens. Offered for the first time in 20 years, this lovingly maintained home showcases an open-concept main level with gleaming oak hardwood floors and a dramatic two-storey cathedral bay window overlooking the family room below. Recent updates include two beautifully renovated bathrooms, highlighted by an attractiv…

Property details

MLS#

N13235948

Status

Buy Now

Beds

3+2

Baths

2 full, 0 half

Size

1100-1500

Style

Bungalow-Raised

Type

Detached

Year built

—

Roof: Asphalt Shingle
Foundation: Poured Concrete
Property features: Fenced Yard, Golf, Park, Place Of Worship, Public Transit, School

Fireplaces: 1
Fireplace features: Natural Gas

View: Garden

Garage: 2-car Attached
Garage spaces: 2
Parking: 6 total
Lot: 59.08 × 106.67
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Pool: No
Waterfront: No
Exterior: Brick · Deck, Landscaped, Privacy
Fronting on: East
Cross street: Old Homestead & Metro Rd. N.
Basement: Full, Finished
Stories: —
Utilities: —
Laundry: —
Interior: Central Vacuum, Primary Bedroom - Main Floor
Parking features: Private Double

Rooms

Level	Room	Dimensions
Main	Living Room	3.61m × 6.22m
Main	Dining Room	—
Main	Kitchen	3.51m × 4.8m
Main	Breakfast	—
Main	Primary Bedroom	3.86m × 4.72m
Main	Bedroom 2	3.02m × 3.43m
Main	Bedroom 3	2.82m × 3.43m
Lower	Family Room	3.43m × 5.56m
Lower	Game Room	3.35m × 5.33m
Lower	Bedroom	3.58m × 4.01m
Lower	Bedroom	3.79m × 3.96m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $899,000✓ $5,663 tax✓ Gas✓ 1100-1500 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$6,741/mo

incl. closing costs (yr 1)

Annual total

$80,886

year 1

Mortgage only

$3,411/mo

principal + interest

Beyond mortgage

$1,667/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$179,800

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$472/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%$8,990/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$14,455

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)51% $40,926/yr

Property taxes25% $20,118/yr

Utilities5% $4,152/yr

Insurance & security2% $1,600/yr

Maintenance11% $8,990/yr

Closing costs6% $5,100/yr

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

Full breakdown

Mortgage & financing
Mortgage (P+I)	$40,926	$3,411/mo
Government & taxes
Property tax	$5,663	$472/mo
Land transfer tax(closing)	$14,455	$1,205/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%)	$8,990	$749/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	$80,886	$6,741/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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45 Highcastle Avenue

About this home

MyStreetValue™ Analysis

Property details

Rooms

Sales History

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Annual costs