$1.62M · 3+2 bed Detached · Midhurst, Springwater

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About this home

Welcome to this exceptional ranch bungalow in one of Midhurst's most sought-after neighbourhoods, where pride of ownership is evident throughout. Offering 5 bedrooms and 4 full bathrooms, this beautifully appointed home blends luxury, comfort, and functionality. The heart of the home is a chef-inspired kitchen featuring quartz countertops, a large centre island, premium finishes, and an open-concept design overlooking the family room. Expansive windows fill the space with natural light and showc…

Property details

MLS#

S13413528

Status

Buy Now

Beds

3+2

Baths

4 full, 0 half

Size

1500-2000

Style

Bungalow

Type

Detached

Year built

—

Roof: Asphalt Shingle
Foundation: Block

Fireplaces: 1
Fireplace features: Natural Gas

Garage: 3-car Attached
Garage spaces: 3
Parking: 12 total
Lot: 99.1 × 303.17
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Pool: Yes
Waterfront: No
Exterior: Brick · Deck, Hot Tub, Lawn Sprinkler System, Porch, Landscaped, Patio
Fronting on: North
Cross street: ayfield and Paddy Dunns
Basement: Finished
Stories: —
Utilities: —
Laundry: —
Interior: Primary Bedroom - Main Floor, Water Heater Owned
Parking features: —

Rooms

Level	Room	Dimensions
Main	Kitchen	6.66m × 4.04m
Main	Dining Room	3.94m × 3.43m
Main	Living Room	6.06m × 5.61m
Main	Bedroom	3.87m × 3.05m
Main	Bedroom 2	3.14m × 3m
Main	Primary Bedroom	4.91m × 3.92m
Basement	Recreation	9.58m × 6.3m
Basement	Exercise Room	5.96m × 4.45m
Basement	Bedroom 4	3.84m × 3.37m
Basement	Bedroom 5	3.98m × 3.37m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $1,620,000✓ $6,826 tax✓ Gas✓ 1500-2000 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$11,407/mo

incl. closing costs (yr 1)

Annual total

$136,881

year 1

Mortgage only

$6,146/mo

principal + interest

Beyond mortgage

$2,396/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$324,000

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

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$569/mo

Utilities

Hydro / electricity$123/mo

≈ $0.07/ft² × ~1,750 ft² · ON avg ~$123/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%$16,200/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$28,875

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)54% $73,749/yr

Property taxes26% $35,701/yr

Utilities3% $4,530/yr

Insurance & security1% $1,600/yr

Maintenance12% $16,200/yr

Closing costs4% $5,100/yr

Mortgage is 54% of your true cost of ownership. The other 46% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$73,749	$6,146/mo
Government & taxes
Property tax	$6,826	$569/mo
Land transfer tax(closing)	$28,875	$2,406/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$1,470	$123/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$16,200	$1,350/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	$136,881	$11,407/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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37 Paddy Dunns Circle

About this home

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Property details

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Rooms

Sales History

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Annual costs