$5M · 3+2 bed Detached · 663 - North Pelham, Pelham

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About this home

Perched high atop the Niagara Escarpment in the prestigious hills of Pelham, this ultra-luxury estate is a rare fusion of architectural excellence and natural beauty. Enveloped by protected Carolinian forest and set on over 6 acres of cleared and wooded land, this exceptional property offers privacy, and on clear evenings, the distant twinkle of the Toronto skyline. This custom-built bungalow (2023) has over 5,000 sq feet of finished living space which includes 2860 sq ft on the main floor and a…

Property details

MLS#

X13129706

Status

Buy Now

Beds

3+2

Baths

4 full, 0 half

Size

2500-3000

Style

Bungalow

Type

Detached

Year built

—

Roof: Asphalt Shingle, Metal, Fibreglass Shingle
Foundation: Poured Concrete
Other structures: Fence - Partial, Shed
Property features: Electric Car Charger, Golf, Greenbelt/Conservation, Wooded/Treed, Sloping, Fenced Yard

Fireplace features: Natural Gas, Wood, Living Room, Rec Room

View: Hills, Park/Greenbelt, Trees/Woods, Forest

Garage: 3-car Attached
Garage spaces: 3
Parking: 13 total
Lot: 154.37 × 771
Heating: Forced Air
Heating fuel: Other
Cooling: Central Air
Pool: Yes
Waterfront: No
Exterior: Stone, Other · Deck, Hot Tub, Landscape Lighting, Landscaped, Lawn Sprinkler System, Porch, Privacy, Patio, Lighting
Fronting on: North
Cross street: Effingham Rd & Tice Rd
Basement: Finished with Walk-Out, Full, Separate Entrance
Stories: —
Utilities: —
Laundry: —
Interior: Auto Garage Door Remote, ERV/HRV, In-Law Capability, Primary Bedroom - Main Floor, On Demand Water Heater, Separate Heating Controls, Storage, Sump Pump, Upgraded Insulation, Water Heater Owned, Water Treatment, Water Softener
Parking features: Private Triple

Rooms

Level	Room	Dimensions
Main	Foyer	2.47m × 5.79m
Main	Great Room	6.03m × 7.04m
Main	Dining Room	2.78m × 5.58m
Main	Kitchen	3.69m × 7.86m
Main	Pantry	2.32m × 4m
Main	Laundry	2.8m × 5.37m
Main	Bedroom	5.39m × 7.25m
Main	Bathroom	2.59m × 4.97m
Main	Bedroom 2	4.82m × 5.79m
Main	Bedroom 3	3.96m × 3.96m
Main	Bathroom	2.44m × 2.83m
Basement	Recreation	5.85m × 11.3m
Basement	Bedroom 4	3.41m × 4.6m
Basement	Bedroom 5	3.41m × 5.27m
Basement	Media Room	4.36m × 6.28m
Basement	Exercise Room	3.81m × 5.7m
Basement	Bathroom	1.65m × 5.18m
Basement	Bathroom	0.64m × 2.87m
Basement	Laundry	2.53m × 2.9m
Basement	Utility Room	4.11m × 7.96m
Basement	Cold Room/Cantina	1.25m × 7.96m
Upper	Other	3.2m × 3.66m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $5,000,000✓ $12,569 tax✓ Other✓ 2500-3000 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$34,478/mo

incl. closing costs (yr 1)

Annual total

$413,735

year 1

Mortgage only

$18,968/mo

principal + interest

Beyond mortgage

$5,762/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$1,000,000

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

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$1,047/mo

Utilities

Hydro / electricity$193/mo

≈ $0.07/ft² × ~2,750 ft² · ON avg ~$193/mo · assumes gas heat

Other$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%$50,000/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$111,475

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)55% $227,621/yr

Property taxes30% $124,044/yr

Utilities1% $5,370/yr

Insurance & security0% $1,600/yr

Maintenance12% $50,000/yr

Closing costs1% $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)	$227,621	$18,968/mo
Government & taxes
Property tax	$12,569	$1,047/mo
Land transfer tax(closing)	$111,475	$9,290/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$2,310	$193/mo
Other	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$50,000	$4,167/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	$413,735	$34,478/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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315 Tice Road

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Annual costs