9-11 Annamaria Drive, Georgina, ON

Keswick North, Georgina · MLS® N12514328

$420,000
For Sale
Listed 348 days agoNo offer date statedSitting longer than typical
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About this home

In short

  • RESIDENTIAL BUILDING LOT LOCATED IN THE CENTRE OF TOWN, BACKING ONTO MORTON AVE WITH EASY ACCESS TO ALL RETAIL AND GROCERY STORES CLOSE BY.
  • HWY 404 EXCHANGE IS JUST MINUTES AWAY.
  • SELLER HAS REZONED THE PROPERTY TO R2-25 TO PERMIT A SEMI DETACHED DWELLING WITH ACCESSORY APARTMENT IN EACH DWELLING UNIT, FOR A TOTAL OF FOUR DWELLING UNITS.
  • GREAT OPPORTUNITY FOR A DEVELOPER OR BUYER TO BUILD AND RESIDE IN YOUR OWN HOME, ENJOYING REVENUE FROM THREE OTHER LEASEABLE UNITS.

RESIDENTIAL BUILDING LOT LOCATED IN THE CENTRE OF TOWN, BACKING ONTO MORTON AVE WITH EASY ACCESS TO ALL RETAIL AND GROCERY STORES CLOSE BY. HWY 404 EXCHANGE IS JUST MINUTES AWAY. LAKE SIMCOE IS DOWN THE STREET. SELLER HAS REZONED THE PROPERTY TO R2-25 TO PERMIT A SEMI DETACHED DWELLING WITH ACCESSORY APARTMENT IN EACH DWELLING UNIT, FOR A TOTAL OF FOUR DWELLING UNITS. GREAT OPPORTUNITY FOR A DEVELOPER OR BUYER TO BUILD AND RESIDE IN YOUR OWN HOME, ENJOYING REVENUE FROM THREE OTHER LEASEABLE UNITS. WATER AND SEWER LATERALS AT LOT LINE. BUYER TO SATISFY ITSELF AS TO APPLICABILITY OF HST ON PURCHASE PRICE.

Key facts

Property type
Other, Other
MLS®
N12514328
Lot
167.9 × 73.48 ft
Cross streets
MORTON AVE/THE QUEENSWAY S.
Sewer
Sewer
Property tax
$465 / 2025
Days on market
348
Listing brokerage
ROYAL LEPAGE RCR REALTY
Our TakeTeam Asgarian · Broker
No automatic estimate

No automatic estimate is shown here: there is not a deep enough record of recent sales of homes like this one in this neighbourhood to support one.

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What sellers nearby are askingCurrently listed nearby in Keswick North · asking prices
$303kavg asking

Nothing closely matching this home is listed nearby right now, so these are the nearest listings on the market.

The 5 closest active listings nearby.

See all comparable homes
420kThis home318k300k300k300k299kThis home vs active comparables

Neighbourhood & location

Keswick North, Georgina, ON

CommuteTime from this home to where you spend your day

Enter a workplace or destination and we’ll show the door-to-door time by car, transit and bike.

Nearby neighbourhoods

How asking prices compare in the closest areas to this home. Longer bars mean a pricier market.

Keswick South
$850K
Historic Lakeshore Communities
$1.02M
Baldwin
$1.40M
Sutton & Jackson's Point
$624K
Virginia
$590K

Typical asking price of active listings of the same type, per area (outliers removed). Georgina.

Get the full neighbourhood report (schools, parks, transit & safety) →

Affordability & Mortgage

Affordability
$1,914/mo
$77KIncome needed
5.5×Price ÷ income
$442Weekly cost
$4,875Land transfer tax, one-time (Ontario)
20% down4.79%25-yr amortization

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.

98%mortgage
Mortgage $1,914Property tax $39Total carry $1,953

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

$
20.0%
$
%
4.49%
%
Live rate from Ratehub.ca

Conventional (20%+ down). Best insured 5-year fixed 4.34% via Ratehub.ca (as of October 20, 2026); conventional rates run a little higher.

years
years (your rate-locked period)
$1,858per month

Mortgage amount $336,000 · 4.49% over 25 years

$84,000Down payment (20.0%)
$336,000Loan before insurance
$0CMHC premium
$1,897Total monthly cost

Total monthly cost

Mortgage payment (monthly equivalent)
$1,858
Property tax
$39
Condo / maintenance fees
$0
Heating
$0
Estimated monthly cost
$1,897

Add your own property tax, condo fees, and heating on the left for a sharper total.

One-time closing costs

Ontario land transfer tax
$4,875
Estimated closing costs
$4,875

Plus your down payment of $84,000. Legal fees, title insurance, and adjustments are extra and vary by deal.

Mortgage stress test

6.49%Qualifying rate
$2,249/monthPayment at the qualifying rate

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

$221,340Total interest paid
$557,340Total of all payments
Principal $336,000 Interest $221,340
YearPrincipalInterestBalance
1$7,498$14,796$328,502
2$7,839$14,455$320,663
3$8,194$14,099$312,469
4$8,566$13,727$303,902
5$8,955$13,338$294,947
6$9,362$12,932$285,585
7$9,787$12,506$275,798
8$10,232$12,062$265,566
9$10,696$11,598$254,870
10$11,182$11,112$243,689
11$11,689$10,604$231,999
12$12,220$10,073$219,779
13$12,775$9,519$207,004
14$13,355$8,939$193,649
15$13,961$8,332$179,688
16$14,595$7,698$165,092
17$15,258$7,036$149,834
18$15,951$6,343$133,884
19$16,675$5,619$117,209
20$17,432$4,862$99,776
21$18,224$4,070$81,553
22$19,051$3,243$62,502
23$19,916$2,378$42,586
24$20,820$1,473$21,766
25$21,766$528$0

At the end of your 5-year term

Total paid over the term
$111,468
Principal paid down
$41,053
Interest paid
$70,415
Balance remaining
$294,947

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.

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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

Rental yield
Estimate$2,650/mo
$31,800Gross annual rent
6.3%Cap rate after taxes and upkeep

Thinking of this home as an investment? We will pull real comparable rents and run the full numbers with you.

Talk about the numbers

Estimates 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.

7.6%
Gross yield
− Property tax $465− Insurance $1,400− Vacancy & upkeep $3,498Net operating income $26,437

All information deemed reliable but not guaranteed. For personal, non-commercial use only. Listing courtesy of ROYAL LEPAGE RCR REALTY. MLS®/PropTx.

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