$875K · 3+1 bed Detached · Ardagh, Barrie

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About this home

Welcome to this beautifully upgraded home minutes to Lake Simcoe and Downtown Barrie. This home offers the perfect blend of style, comfort, and exceptional indoor/outdoor living. The bright open-concept main floor features elegant finishes, stunning lighting, expansive sliding doors, and a gorgeous kitchen complete with stainless steel appliances, granite countertops, and custom cabinetry. The spacious primary bedroom offers custom closets and a private ensuite, while the convenience of both upp…

Property details

MLS#

S13211436

Status

Conditionally Sold

Property class

Residential Freehold

Beds

3+1

Baths

3 full, 0 half

Rooms

6 + 4

Kitchens

Size

1100-1500Exact finished sqft not on MLS feed (often MPAC-only on broker systems)

Basement

Full, Finished

Style

Bungalow

Type

Detached

Year built

1985

PIN: 587610142
Roll / ARN: 434204001722700
Plan: 899

Occupancy: Owner Occupied
Washrooms: 4 pc · Main; 3 pc · Main; 3 pc · Basement
Family room: Family room
Central vacuum: No
Ensuite laundry: No

Roof: Asphalt Shingle
Foundation: Block
Other structures: Additional Garage(s)
Property features: Wooded/Treed, Public Transit

Fireplaces: 1
Fireplace features: Family Room, Natural Gas

View: Creek/Stream

Garage: 1-car Detached
Garage spaces: 1
Parking: 7 total
Lot: 88 × 248
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Pool: No
Waterfront: No
Exterior: Other, Stucco (Plaster) · Deck, Hot Tub, Landscaped, Patio, Privacy
Fronting on: West
Cross street: Essa Rd South To Ardagh Rd, R
Stories: —
Utilities: —
Laundry: —
Interior: Auto Garage Door Remote, Carpet Free, In-Law Capability, Sump Pump, Water Heater, Water Purifier, Water Softener
Parking features: Private Double

Level	Room	Dimensions
Main	Kitchen	—
Main	Dining Room	—
Main	Living Room	—
Main	Primary Bedroom	—
Main	Bedroom	—
Main	Bedroom	—
Main	Bathroom	—
Main	Bathroom	—
Basement	Recreation	3.84m × 9.09m
Basement	Bedroom	—
Basement	Office	—
Basement	Bedroom 3	—
Basement	Laundry	—
Basement	Furnace Room	—

Level

Room

Dimensions

Main

Kitchen

—

Main

Dining Room

—

Main

Living Room

—

Main

Primary Bedroom

—

Main

Bedroom

—

Main

Bedroom

—

Main

Bathroom

—

Main

Bathroom

—

Basement

Recreation

3.84m × 9.09m

Basement

Bedroom

—

Basement

Office

—

Basement

Bedroom 3

—

Basement

Laundry

—

Basement

Furnace Room

—

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $874,900✓ $6,226 tax✓ Gas✓ 1100-1500 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$6,636/mo

incl. closing costs (yr 1)

Annual total

$79,629

year 1

Mortgage only

$3,319/mo

principal + interest

Beyond mortgage

$1,694/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$174,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$519/mo

Utilities

Hydro / electricity$91/mo

≈ $0.07/ft² × ~1,300 ft² · ON avg ~$91/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%$8,749/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$13,973

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)50% $39,829/yr

Property taxes25% $20,199/yr

Utilities5% $4,152/yr

Insurance & security2% $1,600/yr

Maintenance11% $8,749/yr

Closing costs6% $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)	$39,829	$3,319/mo
Government & taxes
Property tax	$6,226	$519/mo
Land transfer tax(closing)	$13,973	$1,164/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$1,092	$91/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$8,749	$729/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	$79,629	$6,636/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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148 Patterson Road

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