$679K · 3 bed Detached · West Bayfield, Barrie

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About this home

Attention all first time home buyers, small families, and investors alike! Welcome to 232 Kozlov St, a corner-style turnkey gem in Barrie's desirable West Bayfield. Be the first to occupy this beautifully renovated 2-storey detached home which offers the perfect blend of modern upgrades and functional design. Situated on a quiet residential street, this 3-bedroom, 1-bathroom home boasts a freshly updated interior top to bottom, featuring brand new flooring, paint, lighting, and a sleek designer…

Property details

MLS#

S12295651

Status

Buy Now

Property class

Residential Freehold

Beds

Baths

1 full, 0 half

Rooms

5 + 1

Kitchens

Size

700-1100Exact finished sqft not on MLS feed (often MPAC-only on broker systems)

Basement

Finished

Style

2-Storey

Type

Detached

Year built

1985

Occupancy: Vacant
Washrooms: 4 pc · Second
Family room: No
Central vacuum: No
Ensuite laundry: No

Roof: Asphalt Shingle
Foundation: Poured Concrete
Property features: School, Park

Fireplaces: 1
Fireplace features: Wood

Garage: 1-car Attached
Garage spaces: 1
Parking: 3 total
Lot: 40.24 × 111.54
Heating: Forced Air
Heating fuel: Gas
Cooling: None
Pool: No
Waterfront: No
Exterior: Brick, Vinyl Siding · Porch Enclosed
Fronting on: West
Cross street: Hanmer St W / Bayfield St
Stories: —
Utilities: —
Laundry: —
Interior: Carpet Free
Parking features: Private Double

Level	Room	Dimensions
Main	Family Room	3.05m × 4.28m
Main	Kitchen	2.64m × 5.86m
Second	Primary Bedroom	2.66m × 4.94m
Second	Bedroom 2	2.71m × 2.73m
Second	Bedroom 3	2.6m × 2.6m
Second	Bathroom	1.51m × 2.41m
Basement	Recreation	4.17m × 4.71m

Level

Room

Dimensions

Main

Family Room

3.05m × 4.28m

Main

Kitchen

2.64m × 5.86m

Second

Primary Bedroom

2.66m × 4.94m

Second

Bedroom 2

2.71m × 2.73m

Second

Bedroom 3

2.6m × 2.6m

Second

Bathroom

1.51m × 2.41m

Basement

Recreation

4.17m × 4.71m

Price movement & seller pressure

↓ $30KPrice reduction

MLS shows the seller reduced the asking price by $30,000 (from $709,000 to $679,000).

Motivated SellerWhy this label

Vacant property — MLS shows vacant occupancy and the listing has been on market 120+ days.
Power of sale — Power-of-sale (or court-ordered) listing with 351 days on market.

Labels reflect MLS fields and listing history in our database — not an opinion on fair market value.

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $679,000✓ $3,600 tax✓ Gas✓ 700-1100 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$5,168/mo

incl. closing costs (yr 1)

Annual total

$62,016

year 1

Mortgage only

$2,576/mo

principal + interest

Beyond mortgage

$1,296/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$135,800

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$300/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%$6,790/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$10,055

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)50% $30,911/yr

Property taxes22% $13,655/yr

Utilities6% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance11% $6,790/yr

Closing costs8% $5,100/yr

Mortgage is 50% of your true cost of ownership. The other 50% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$30,911	$2,576/mo
Government & taxes
Property tax	$3,600	$300/mo
Land transfer tax(closing)	$10,055	$838/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%)	$6,790	$566/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	$62,016	$5,168/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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232 Kozlov Street

About this home

MyStreetValue™ Analysis

Property details

Rooms

Price movement & seller pressure

Sales History

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Annual costs