$710K · 2 bed Detached · Gilford, Innisfil

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About this home

Nestled in the prestigious waterfront community of Gilford, this exceptional property offers a rare opportunity to enjoy tranquil living just moments from the shores of Lake Simcoe. Situated on a generously sized lot, the home provides privacy, mature landscaping, and plenty of outdoor space for entertaining, recreation, or future customization.Inside, you'll find spacious principal rooms filled with natural light, creating a warm and inviting atmosphere throughout. The functional layout is idea…

Property details

MLS#

N13444490

Status

Buy Now

Beds

Baths

1 full, 0 half

Size

700-1100

Style

Bungalow

Type

Detached

Year built

—

Roof: Asphalt Shingle
Foundation: Concrete
Other structures: Storage, Gazebo
Property features: Beach, Fenced Yard, Golf, Lake/Pond, Marina

Garage: None
Garage spaces: 0
Parking: 6 total
Lot: 50 × 150
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Pool: No
Waterfront: No
Exterior: Aluminum Siding
Fronting on: North
Cross street: 20th Sideroad & Shore Acres Dr
Basement: None
Stories: —
Utilities: —
Laundry: —
Interior: Primary Bedroom - Main Floor, Storage
Parking features: Front Yard Parking

Level	Room	Dimensions
Main	Kitchen	3.66m × 3.66m
Main	Living Room	4.88m × 4.88m
Main	Bedroom	3.66m × 3.66m
Main	Primary Bedroom	4.27m × 4.27m
Main	Bathroom	2.13m × 3.05m

Level

Room

Dimensions

Main

Kitchen

3.66m × 3.66m

Main

Living Room

4.88m × 4.88m

Main

Bedroom

3.66m × 3.66m

Main

Primary Bedroom

4.27m × 4.27m

Main

Bathroom

2.13m × 3.05m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $710,000✓ $3,025 tax✓ Gas✓ 700-1100 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$5,315/mo

incl. closing costs (yr 1)

Annual total

$63,782

year 1

Mortgage only

$2,694/mo

principal + interest

Beyond mortgage

$1,274/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$142,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$252/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~900 ft² · ON avg ~$75/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%$7,100/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$10,675

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)51% $32,322/yr

Property taxes21% $13,700/yr

Utilities6% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance11% $7,100/yr

Closing costs8% $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)	$32,322	$2,694/mo
Government & taxes
Property tax	$3,025	$252/mo
Land transfer tax(closing)	$10,675	$890/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$7,100	$592/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	$63,782	$5,315/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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1125 Shore Acres Drive

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