$2.20M · 3 bed Detached · Historic Lakeshore Communities, Georgina

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About this home

Imagine Living On A Gorgeous, Scenic Stretch Of Lake Drive North, Lined With Prestigious Waterfront Homes That Rarely Come On The Market, Each With Pristine Waterfronts And Exceptional Views. This 2018 Custom Built Home with Almost 3500sqft Of Living Space is Situated On Deep Lot With 50ft Of Shoreline. Every Inch Has Been Thoughtfully Designed With Purpose. Inside, The Expansive Chef-Inspired Kitchen Features A Massive Centre Island With Seating For Four, Double Wall Ovens, Gas Cooktop, Abundan…

Property details

MLS#

N13444336

Status

Buy Now

Beds

Baths

3 full, 0 half

Size

3000-3500

Style

3-Storey

Type

Detached

Year built

—

Roof: Asphalt Shingle
Foundation: Poured Concrete
Other structures: Gazebo
Property features: Golf, Lake Access, Level

Fireplaces: 1
Fireplace features: Natural Gas

View: Lake

Water view: Direct
Water body: Lake Simcoe
Water frontage: 15.25 ft
Shoreline: Shallow, Sandy
Waterfront features: Dock, Trent System, Waterfront-Not Deeded

Garage: 3-car Detached
Garage spaces: 3
Parking: 23 total
Lot: 50.04 × 250
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Pool: No
Exterior: Stone, Vinyl Siding · Hot Tub, Lawn Sprinkler System, Porch, Year Round Living
Fronting on: South
Cross street: Lake Dr E & Civic Centre Rd
Basement: Crawl Space, Full
Stories: —
Utilities: —
Laundry: —
Interior: Auto Garage Door Remote, Water Heater Owned
Parking features: Private Double

Level	Room	Dimensions
Main	Living Room	5.18m × 6.17m
Main	Kitchen	5.18m × 6.17m
Main	Breakfast	5.79m × 2.44m
Main	Office	3.2m × 2.64m
Main	Mud Room	4.17m × 2.74m
Second	Primary Bedroom	6.5m × 4.88m
Second	Bedroom 2	3.96m × 3.2m
Second	Bedroom 3	3.96m × 3.35m
Third	Family Room	13.23m × 4.65m

Level

Room

Dimensions

Main

Living Room

5.18m × 6.17m

Main

Kitchen

5.18m × 6.17m

Main

Breakfast

5.79m × 2.44m

Main

Office

3.2m × 2.64m

Main

Mud Room

4.17m × 2.74m

Second

Primary Bedroom

6.5m × 4.88m

Second

Bedroom 2

3.96m × 3.2m

Second

Bedroom 3

3.96m × 3.35m

Third

Family Room

13.23m × 4.65m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $2,199,000✓ $12,057 tax✓ Gas✓ 3000-3500 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$15,675/mo

incl. closing costs (yr 1)

Annual total

$188,095

year 1

Mortgage only

$8,342/mo

principal + interest

Beyond mortgage

$3,420/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$439,800

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

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$1,005/mo

Utilities

Hydro / electricity$228/mo

≈ $0.07/ft² × ~3,250 ft² · ON avg ~$228/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%$21,990/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$41,450

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)53% $100,108/yr

Property taxes28% $53,507/yr

Utilities3% $5,790/yr

Insurance & security1% $1,600/yr

Maintenance12% $21,990/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)	$100,108	$8,342/mo
Government & taxes
Property tax	$12,057	$1,005/mo
Land transfer tax(closing)	$41,450	$3,454/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$2,730	$228/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$21,990	$1,833/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	$188,095	$15,675/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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165 Lake Drive

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Annual costs