$1.20M · 4+3 bed Detached · Keswick North, Georgina

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About this home

Stunning 4 bed room house plus an additional kitchen and 3 bed rooms in the basement on a huge 50.2 ft x 147 ft lot. Double front door with insert. The basement is in process to convert to a legal basement apartment. 3 new windows, a walk up stais, new 200 amps electrical panel have been installed and passed the inspections. Occupancy inspection as an ADU apartment has been scheduled for the 3rd week of June-2026. An entertainer's dream with an in ground swiming pooland cabana. It is over $…

Property details

MLS#

N13247158

Status

Buy Now

Beds

4+3

Baths

6 full, 0 half

Size

2500-3000

Style

2-Storey

Type

Detached

Year built

—

Roof: Asphalt Shingle
Foundation: Concrete

Fireplaces: 1

Garage: 2-car Attached
Garage spaces: 2
Parking: 6 total
Lot: 50.2 × 147.64
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Pool: Yes
Waterfront: No
Exterior: Brick
Fronting on: South
Cross street: Church & Woodbine
Basement: Partially Finished, Separate Entrance
Stories: —
Utilities: —
Laundry: —
Interior: Sump Pump, Carpet Free
Parking features: Private

Rooms

Level	Room	Dimensions
Main	Living Room	5.39m × 3.5m
Main	Dining Room	3.81m × 3.5m
Main	Kitchen	3.86m × 3.88m
Main	Breakfast	2.18m × 3.45m
Main	Family Room	3.41m × 4.9m
Main	Office	3.2m × 3.5m
Second	Primary Bedroom	3.59m × 7.71m
Second	Bedroom 2	3.59m × 4.69m
Second	Bedroom 3	3.2m × 3.96m
Second	Bedroom 4	3.29m × 3.5m
Basement	Kitchen	2.31m × 3.81m
Basement	Recreation	2.8m × 7m
Basement	Bedroom 5	3.17m × 4.87m
Basement	Bedroom	2.99m × 3m
Basement	Media Room	3.12m × 4.64m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $1,199,000✓ $7,529 tax✓ Gas✓ 2500-3000 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$8,886/mo

incl. closing costs (yr 1)

Annual total

$106,628

year 1

Mortgage only

$4,549/mo

principal + interest

Beyond mortgage

$2,174/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$239,800

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$627/mo

Utilities

Hydro / electricity$193/mo

≈ $0.07/ft² × ~2,750 ft² · ON avg ~$193/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%$11,990/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$20,455

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)51% $54,584/yr

Property taxes26% $27,984/yr

Utilities5% $5,370/yr

Insurance & security2% $1,600/yr

Maintenance11% $11,990/yr

Closing costs5% $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)	$54,584	$4,549/mo
Government & taxes
Property tax	$7,529	$627/mo
Land transfer tax(closing)	$20,455	$1,705/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$2,310	$193/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$11,990	$999/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	$106,628	$8,886/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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71 Church Street

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Property details

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Rooms

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Annual costs