$1.90M · 4 bed Detached · Gilford, Innisfil

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About this home

Welcome To 1195 Shores Acres! This Luxury Custom-Built 4 Bedroom Home Is Situated On A Large, Private Lot Just Steps From Lake Simcoe Marina. Designed With A Modern Open Layout, This Home Showcases High-End Upgrades From Top To Bottom. The Custom Kitchen Is A True Showpiece, Featuring A Stunning Granite Waterfall Counter, Built-In Thermador Appliances, And A Large Pantry - Perfect For Both Everyday Living And Entertaining. Elegant Finishes Throughout The Main Floor Include Coffered Ceilings, Cr…

Property details

MLS#

N13419138

Status

Buy Now

Beds

Baths

4 full, 0 half

Size

3500-5000

Style

2-Storey

Type

Detached

Year built

—

Roof: Asphalt Rolled
Foundation: Concrete
Other structures: Drive Shed
Property features: Beach, Golf, Greenbelt/Conservation, Lake Access, Ravine, Marina

Fireplace features: Natural Gas, Family Room

Water body: Lake Simcoe

Garage: 4-car Attached
Garage spaces: 4
Parking: 10 total
Lot: 136.09 × 439.21
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Pool: Yes
Exterior: Stone, Brick · Landscaped
Fronting on: South
Cross street: 20TH Sdrd & Shore Acres
Basement: Full, Unfinished
Stories: —
Utilities: —
Laundry: —
Interior: Storage
Parking features: Private Double

Rooms

Level	Room	Dimensions
Main	Kitchen	3.81m × 4.3m
Main	Pantry	—
Main	Mud Room	—
Main	Breakfast	3.69m × 5.79m
Main	Dining Room	3.23m × 5.49m
Main	Family Room	5.52m × 5.76m
Main	Office	3.02m × 3.35m
Main	Living Room	3.08m × 3.99m
Second	Bedroom 2	3.9m × 5m
Second	Primary Bedroom	4.94m × 5.52m
Second	Bedroom 3	3.41m × 4.17m
Second	Bedroom 4	3.35m × 5.49m
Second	Laundry	—

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $1,899,990✓ $9,160 tax✓ Gas✓ 3500-5000 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$13,538/mo

incl. closing costs (yr 1)

Annual total

$162,461

year 1

Mortgage only

$7,208/mo

principal + interest

Beyond mortgage

$2,999/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$379,998

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

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$763/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%$19,000/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$34,475

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)53% $86,496/yr

Property taxes27% $43,635/yr

Utilities4% $6,630/yr

Insurance & security1% $1,600/yr

Maintenance12% $19,000/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)	$86,496	$7,208/mo
Government & taxes
Property tax	$9,160	$763/mo
Land transfer tax(closing)	$34,475	$2,873/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%)	$19,000	$1,583/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	$162,461	$13,538/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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1195 Shore Acres Drive

About this home

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Property details

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Rooms

Sales History

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Annual costs