523 Church Street, Ajax, ON
Central West, Ajax · MLS® E13531400
About this home
Rare Opportunity To Own A 3 Bedroom Freehold Townhome In Ajax's Highly Desirable Central West Community * Rarely Offered 2 Car Garage * 1426 Sq Ft * Carpet-Free Home * Smooth Ceiling Throughout * Modern Kitchen With Quartz Counters & Breakfast Area With Walk-Out To Deck * Primary Retreat Featuring Walk-In Closet & Private 4-Piece Ensuite With Updated Glass Shower Panel * Hardwood Flooring On Main & Second * Finished Basement With Large Recreation Room With Wet Bar & Wired For Home Theatre - Perfect For Entertaining * Fantastic Family-Friendly Location Close To Schools, Parks, Community Centre, Shopping, Transit, GO Station & Easy Access To Hwy 401/407 * Excellent Opportunity For First-Time Buyers, Families Or Downsizers. Roof (9 yrs) Furnace & Central Air ( 10yrs)
Key facts
- Property type
- Townhouse, 2-Storey
- MLS®
- E13531400
- Bedrooms
- 3
- Bathrooms
- 3 (1 half)
- Size
- 1100-1500
- Lot
- 18.7 × 109.91 ft
- Cross streets
- Church & Delaney
- Parking
- 2 garage · 4 parking (detached)
- Driveway
- Private
- Basement
- Finished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Foundation
- Unknown
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $4,846 / 2025
- Days on market
- 10
- Listing brokerage
- CENTURY 21 PERCY FULTON LTD.
Rooms
hardwood floor · crown moulding · pot lights
hardwood floor · walk-in closet(s) · 4 pc ensuite
vinyl floor · w/o to deck
hardwood floor · crown moulding · pot lights
hardwood floor · double closet
vinyl floor · quartz counter
laminate · pot lights · wet bar
hardwood floor · double closet
Listed at $750,000, this home is about 29% above what comparable homes suggest. The number above is my independent estimate of value, not the asking price.
There were not many closely comparable homes right in Central West, so I widened the search to the surrounding area.
Based on 6 similar homes nearby, adjusted for size, beds, and baths.Median of 6 comparable active listings, adjusted for size, beds, and baths. The city (MPAC) assessment points to about $678K, a bit higher.
How I got there
Here is the exact math behind the estimate. I start from the closest comparable listing and adjust for the real differences (size, beds, baths) to land on a like-for-like value for this home.
- Closest comparable, listed at $775K
- Adjusts to $775K
That comparable adjusts to $775K; the $583K estimate above is the median of all 6 comparables, which is steadier than any single home.This uses comparable active listings, not sold prices. Lot, condition, and finishes are my in-person call, and I can run a full CMA with recent solds.
On location, it is moderately walkable, so some daily errands are within reach and for the rest you will likely drive. Church Northbound @ Delaney is about a 1-minute walk away.
Total price vs nearby homes. Fair value about $583K, median of 6 comparables.
What the listing highlightsThese are claims from the listing. The only way to know for sure is to see it in person, and I am happy to book you a private showing.
- Finished basement: added living space, worth checking ceiling height and that the work was permitted.
- Primary suite: a key comfort and resale feature.
- Hardwood floors: quality hardwood is durable and broadly desirable.
- Transit / schools nearby: convenience and resale support, verify the exact distances and school catchment.
- Value driver
- Lifestyle
The closest active listings by size, beds, and price, so you can see what this home is up against.
The 5 closest of 8 active listings nearby.
See all comparable homesThis home lists 25% above the area average of $460/sqft.
21 days faster than the Ajax average (31 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Central West, Ajax, ON
Enter a workplace or destination and we’ll show the door-to-door time by car, transit and bike.
Getting around
WalkableA walkability read built from the amenities around this home: how close the nearest transit stop is, and how many grocery, dining, park, and pharmacy destinations fall within a 15-minute walk. It is a guide, not a guarantee. Places data from Google.
Many errands can be done on foot; a car still helps.
🚉 Nearest transit: Church Northbound @ Delaney, about 26 m away
Within a 15-minute (1.5 km) walk.
How asking prices compare in the closest areas to this home. Longer bars mean a pricier market.
Typical asking price of active listings of the same type, per area (outliers removed). Ajax.
Get the full neighbourhood report (schools, parks, transit & safety) →
Affordability & Mortgage
Income needed assumes a ~32% GDS ratio; weekly is mortgage principal & interest only. Price ÷ income is the home price over the income needed. Fixed reference assumptions so listings compare on equal footing, not a lending decision.
Calculate and customize your mortgage and other expenses
Adjust the down payment, rate, and amortization, and add property tax, condo fees, and heating to see your true monthly cost.
Your numbers
Conventional (20%+ down). Best insured 5-year fixed 3.99% via Ratehub.ca (as of July 17, 2026); conventional rates run a little higher.
Mortgage amount $600,000 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $3,202
- Property tax
- $404
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $3,606
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $11,475
- Estimated closing costs
- $11,475
Plus your down payment of $150,000. Legal fees, title insurance, and adjustments are extra and vary by deal.
Mortgage stress test
Lenders qualify you at the greater of your rate plus 2% or 5.25%. You do not pay this rate. It just shows you could still handle payments if rates rose, so aim to stay comfortable at this higher number.
Over the full 25 years
At the end of your 5-year term
- Total paid over the term
- $192,109
- Principal paid down
- $76,410
- Interest paid
- $115,699
- Balance remaining
- $523,590
Talk to Team Asgarian about your options
Rates and programs change often. We will connect you with a trusted mortgage professional and build a plan that fits your budget and goals.
Estimates only, not a mortgage quote or pre-approval. Figures use Canadian semi-annual compounding, current minimum down-payment rules, CMHC premium tiers, and Ontario (plus Toronto, when selected) land transfer tax. Actual rates, taxes, insurance, and closing costs vary by lender and property. Confirm every number with your mortgage professional.
Investor snapshot
Thinking of this home as an investment? We will pull real comparable rents and run the full numbers with you.
Talk about the numbersEstimates only. Rent is modelled on above-grade size and local norms, so a finished basement or second suite (a separate entrance often means one) can push real rent well above this. Taxes, fees, and vacancy vary by property, and cap rate is before financing. A starting point, not a final number, let us run the real ones with you.
Helpful resources
All information deemed reliable but not guaranteed. For personal, non-commercial use only. Listing courtesy of CENTURY 21 PERCY FULTON LTD.. MLS®/PropTx.