$1.08M · 3+1 bed Detached · Heart Lake East, Brampton

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About this home

This gorgeous, renovated home sits on an extraordinary 39 x 289 ft lot in the coveted Heart Lake neighbourhood-an outdoor paradise that feels like your very own private park. With its sweeping green views, direct access to greenspace, and potential for a future garden suite, this property offers rare space, privacy, and opportunity. Inside, the main floor delivers a bright, functional layout with a large updated kitchen featuring a full pantry wall and sliding doors that open to a magical backya…

Property details

MLS#

W13437622

Status

Buy Now

Beds

3+1

Baths

4 full, 0 half

Size

2000-2500

Style

2-Storey

Type

Detached

Year built

—

Roof: Asphalt Shingle
Foundation: Unknown
Other structures: Garden Shed
Property features: Park, School, Place Of Worship, Lake/Pond, Fenced Yard

Fireplaces: 2
Fireplace features: Wood, Natural Gas

Garage: 2-car Built-In
Garage spaces: 2
Parking: 8 total
Lot: 39.37 × 289.76
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Pool: No
Waterfront: No
Exterior: Brick · Hot Tub, Landscaped, Deck
Fronting on: North
Cross street: Kennedy Rd N & Cochrane Ave
Basement: Finished, Separate Entrance
Stories: —
Utilities: —
Laundry: —
Interior: Carpet Free, In-Law Capability, Storage
Parking features: Private

Rooms

Level	Room	Dimensions
Main	Foyer	2.46m × 6.13m
Main	Living Room	2.97m × 3.71m
Main	Dining Room	2.97m × 3.66m
Main	Kitchen	2.73m × 5.56m
Main	Family Room	3.38m × 5.89m
Main	Laundry	1.75m × 3.16m
Second	Bedroom 2	5m × 3.76m
Second	Bedroom 3	3.05m × 4.89m
Second	Primary Bedroom	3.41m × 7.66m
Basement	Recreation	5.74m × 3.85m
Basement	Bedroom 4	2.84m × 4.78m
Basement	Exercise Room	3.16m × 3.77m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $1,079,000✓ $6,856 tax✓ Gas✓ 2000-2500 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$8,039/mo

incl. closing costs (yr 1)

Annual total

$96,472

year 1

Mortgage only

$4,093/mo

principal + interest

Beyond mortgage

$1,983/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$215,800

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$571/mo

Utilities

Hydro / electricity$158/mo

≈ $0.07/ft² × ~2,250 ft² · ON avg ~$158/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%$10,790/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$18,055

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)51% $49,121/yr

Property taxes26% $24,911/yr

Utilities5% $4,950/yr

Insurance & security2% $1,600/yr

Maintenance11% $10,790/yr

Closing costs5% $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)	$49,121	$4,093/mo
Government & taxes
Property tax	$6,856	$571/mo
Land transfer tax(closing)	$18,055	$1,505/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$1,890	$158/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$10,790	$899/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	$96,472	$8,039/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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5 Cochrane Avenue

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Property details

Additional listing data

Rooms

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Annual costs