$2.67M · 2+2 bed Detached · 1049 - Rural Halton Hills, Halton Hills

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About this home

Welcome to 8438 Ninth Line - a rare and remarkable opportunity to own a beautifully renovated bungalow set on 4.67 private acres, offering the perfect balance of space, comfort, and future potential. This extensively upgraded detached home boasts over 2,100 sq. ft. of above-grade living space, featuring a thoughtfully designed 2+2 bedroom, 4-bathroom layout ideal for families of all sizes. Step inside to a bright and airy open-concept interior, highlighted by spacious formal living and dining ar…

Property details

MLS#

W12972566

Status

Buy Now

Beds

2+2

Baths

4 full, 0 half

Size

2000-2500

Style

Bungalow

Type

Detached

Year built

—

Roof: Metal
Foundation: Unknown

Garage: 2-car Attached
Garage spaces: 2
Parking: 22 total
Lot: 301.66 × 474.9
Heating: Forced Air
Heating fuel: Propane
Cooling: Central Air
Fireplaces: —
Pool: No
Waterfront: No
Exterior: Brick
Fronting on: West
Cross street: Steeles / Ninth Line
Basement: Finished with Walk-Out
Stories: —
Utilities: —
Laundry: —
Interior: Other
Parking features: Private

Rooms

Level	Room	Dimensions
Ground	Living Room	3.61m × 4.01m
Ground	Dining Room	4.17m × 4.67m
Ground	Kitchen	4.55m × 4.62m
Ground	Breakfast	2.95m × 3.28m
Ground	Family Room	4.65m × 4.88m
Ground	Primary Bedroom	3.35m × 4.5m
Ground	Bedroom 2	3.35m × 4.57m
Basement	Recreation	4.27m × 6.93m
Basement	Kitchen	3.25m × 4.57m
Basement	Bedroom	3.38m × 3.78m
Basement	Bedroom	3.05m × 3.94m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $2,675,000✓ $9,803 tax✓ Propane✓ 2000-2500 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$18,611/mo

incl. closing costs (yr 1)

Annual total

$223,330

year 1

Mortgage only

$10,148/mo

principal + interest

Beyond mortgage

$3,559/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$535,000

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

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$817/mo

Utilities

Hydro / electricity$158/mo

≈ $0.07/ft² × ~2,250 ft² · ON avg ~$158/mo

Propane$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%$26,750/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$53,350

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)55% $121,777/yr

Property taxes28% $63,153/yr

Utilities2% $4,950/yr

Insurance & security1% $1,600/yr

Maintenance12% $26,750/yr

Closing costs2% $5,100/yr

Mortgage is 55% of your true cost of ownership. The other 45% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$121,777	$10,148/mo
Government & taxes
Property tax	$9,803	$817/mo
Land transfer tax(closing)	$53,350	$4,446/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$1,890	$158/mo
Propane	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$26,750	$2,229/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	$223,330	$18,611/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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8438 Ninth Line

About this home

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Property details

Rooms

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Annual costs