11 John Smith Street, East Gwillimbury, ON

Holland Landing, East Gwillimbury · MLS® N13091948

$1,118,000
For Sale
Listed 166 days agoNo offer date statedSitting longer than typical
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4Bedrooms
4Bathrooms
1Garage · 2 parking
2000-2500Sq ft

About this home

In short

  • A COZY AND BRIGHT SEMI IN THE DESIRABLE AREA OF HOLLAND LANDING.
  • NICE OPEN CONCEPT LAYOUT AND DECENT ROOM SIZES.
  • MASTER AND 2ND ROOM HAVE THEIR ENSUITE WASHROOMS AND 3RD AND 4TH SHARE A SEPARATE WASHROOM.

A COZY AND BRIGHT SEMI IN THE DESIRABLE AREA OF HOLLAND LANDING. THE PROPERTY FACES EAST WEST WHICH MAKES IT BRIGHT THROUGHOUT THE WHOLE DAY. WALK-OUT LUMINOUS BASEMENT. NICE OPEN CONCEPT LAYOUT AND DECENT ROOM SIZES. MASTER AND 2ND ROOM HAVE THEIR ENSUITE WASHROOMS AND 3RD AND 4TH SHARE A SEPARATE WASHROOM. BACKYARD ALMOST FULLY FENCED.

Key facts

Property type
Semi-Detached, 2-Storey
MLS®
N13091948
Bedrooms
4
Bathrooms
4 (1 half)
Size
2000-2500 sq ft
Lot
27.36 × 112.93 ft
Cross streets
2nd Concession & Doane Rd
Parking
1 garage · 2 parking (attached)
Basement
Unfinished, Walk-Out
Heating
Forced Air
A/C
Central Air
Exterior
Brick
Foundation
Concrete
Roof
Asphalt Shingle
Sewer
Sewer
Property tax
$5,100 / 2025
Days on market
166
Listing brokerage
REMAX YOUR COMMUNITY REALTY

Rooms

Bedroom 3Second0.00 × 0.00 m

4 pc bath · closet

Dining RoomMain0.00 × 0.00 m

combined w/family · hardwood floor

KitchenMain0.00 × 0.00 m

stainless steel appl · b/i dishwasher · eat-in kitchen

Living RoomMain0.00 × 0.00 m

above grade window · hardwood floor · fireplace

Furnace RoomBasement0.00 × 0.00 m

unfinished · walk-out

Primary BedroomSecond0.00 × 0.00 m

5 pc bath · walk-in closet(s)

LaundryMain0.00 × 0.00 m

tile floor · access to garage

Bedroom 2Second0.00 × 0.00 m

4 pc bath · closet

Bedroom 4Second0.00 × 0.00 m

4 pc bath · closet

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.

Considering this property? Request a written price read
What sellers nearby are askingCurrently listed nearby · asking prices
$991kavg asking

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

Per square foot, these ask about $422/sqft; this home lists at $497/sqft. Size is part of the price story, not just the sticker.

The 3 closest active listings nearby.

See all comparable homes
1.12MThis home1.10M985k890kThis home vs active comparables

Neighbourhood & location

Holland Landing, East Gwillimbury, 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.

Mt Albert
$898K

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

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

Affordability & Mortgage

Affordability
$5,095/mo
$211KIncome needed
5.3×Price ÷ income
$1,176Weekly cost
$18,835Land 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.

92%mortgage
Mortgage $5,095Property tax $425Total carry $5,520

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)
$4,945per month

Mortgage amount $894,400 · 4.49% over 25 years

$223,600Down payment (20.0%)
$894,400Loan before insurance
$0CMHC premium
$5,370Total monthly cost

Total monthly cost

Mortgage payment (monthly equivalent)
$4,945
Property tax
$425
Condo / maintenance fees
$0
Heating
$0
Estimated monthly cost
$5,370

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

One-time closing costs

Ontario land transfer tax
$18,835
Estimated closing costs
$18,835

Plus your down payment of $223,600. Legal fees, title insurance, and adjustments are extra and vary by deal.

Mortgage stress test

6.49%Qualifying rate
$5,985/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

$589,187Total interest paid
$1,483,587Total of all payments
Principal $894,400 Interest $589,187
YearPrincipalInterestBalance
1$19,959$39,384$874,441
2$20,865$38,478$853,575
3$21,813$37,531$831,763
4$22,803$36,540$808,959
5$23,839$35,505$785,121
6$24,921$34,423$760,200
7$26,052$33,291$734,147
8$27,235$32,108$706,912
9$28,472$30,872$678,440
10$29,765$29,579$648,676
11$31,116$28,227$617,560
12$32,529$26,815$585,031
13$34,006$25,338$551,025
14$35,550$23,794$515,475
15$37,164$22,180$478,311
16$38,851$20,492$439,460
17$40,615$18,728$398,845
18$42,459$16,884$356,385
19$44,387$14,956$311,998
20$46,403$12,941$265,595
21$48,509$10,834$217,086
22$50,712$8,632$166,374
23$53,014$6,329$113,359
24$55,422$3,922$57,938
25$57,938$1,406$0

At the end of your 5-year term

Total paid over the term
$296,717
Principal paid down
$109,279
Interest paid
$187,438
Balance remaining
$785,121

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.

Let's connect

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$4,200/mo
$50,400Gross annual rent
3.4%Cap rate after taxes and upkeep

Income potential: the basement has a separate entrance, which often supports a rentable in-law or second suite. That can lift real rent well above the figure above and help carry the mortgage. Ask us about permitted use in this area.

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.

4.5%
Gross yield
− Property tax $5,100− Insurance $1,400− Vacancy & upkeep $5,544Net operating income $38,356

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

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