128-415 Sea Ray Avenue, Innisfil, ON
Rural Innisfil, Innisfil · MLS® N13242182
About this home
In short
- Step into the best of resort style living with this upgraded ground floor 2 bed + 2 bath unit at Friday Harbor.
- Inside, you'll find a spacious retreat with modern finishes throughout, including a gourmet kitchen, generously sized bedrooms, high ceilings and lots of upgrades...
Step into the best of resort style living with this upgraded ground floor 2 bed + 2 bath unit at Friday Harbor. Inside, you'll find a spacious retreat with modern finishes throughout, including a gourmet kitchen, generously sized bedrooms, high ceilings and lots of upgrades throughout. Just a short stroll away, enjoy easy access to the marina, shops, and a variety of dining spots, making everyday life feel like a resort escape. Whether you're unwinding on nearby trails or diving into outdoor activities, there's something here for everyone.
Key facts
- Property type
- Condo Apartment, Apartment
- MLS®
- N13242182
- Bedrooms
- 2
- Bathrooms
- 2
- Size
- 800-899 sq ft
- Cross streets
- Big Bay Point & Friday Dr
- Parking
- 1 garage (underground)
- Basement
- None
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Maintenance
- $584/mo
- Exposure
- West
- Property tax
- $4,485 / 2025
- Days on market
- 113
- Listing brokerage
- ENGEL & VOLKERS TORONTO CITY
Rooms
hardwood floor · window · closet
hardwood floor · w/o to balcony · open concept
hardwood floor · 4 pc ensuite · walk-in closet(s)
hardwood floor · breakfast bar · stainless steel appl
Listed at $549,000. Going by how homes in Rural Innisfil and the wider GTA have actually closed against their asking prices (about 97%, 10 local closings in 90 days), the likely sale price is near $533K, if it sells. A realistic range is $502K to $577K.
Independent value check: $636K. Without looking at the asking price, our model values the home itself about 16% above the ask (homes like it typically land between $592K and $669K).
Total price vs nearby homes. Likely closing about $533K, from 10 recent closings in this pocket.
The market behind the math:
About 8.7 months of inventory: 29 condo apartment homes for sale in the area against 10 closings in the last 90 days. Under two months favours sellers, over four favours buyers.
Price per square foot: this home lists at $646/sqft against an area asking average of $670/sqft.
How this estimate is builtthe short version
This figure comes from a model built on about 44,000 recent GTA sales. It weighs this home’s tax assessment, size, age, location and features against what homes like it actually sold for, including sales in this neighbourhood and this building.
It never sees the asking price. The 10 most comparable recent sales on their own, adjusted for size, beds, baths and lot, point to about $448K. Condition and finishes remain an in-person call.
What the listing highlights2 points to weigh
Claims from the listing, worth confirming in person. I can book you a private showing.
- Upscale kitchen: a genuine value driver, verify the appliances, stone, and finishes in person. Value driver
- Tall ceilings: they transform how a home feels, worth confirming the actual heights room to room. Worth verifying
Read this with carewhy it’s an estimate, not an appraisal
Below comparable homes on total price, yet the price per square foot ($646/sqft) is in line with the area, which usually points to a smaller or more efficient layout.
Based on 24 homes sold in this building over the past two years, from 77 closings in Rural Innisfil.
For sale
For sale
For sale
For sale
For sale
For sale
For sale
For saleThe closest active listings by size, beds, and price, so you can see what this home is up against.
Per square foot, these ask about $605/sqft; this home lists at $646/sqft. Size is part of the price story, not just the sticker.
The 5 closest of 8 active listings nearby.
See all comparable homesNeighbourhood & location
Rural Innisfil, Innisfil, ON
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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 4.34% via Ratehub.ca (as of September 25, 2026); conventional rates run a little higher.
Mortgage amount $439,200 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $2,428
- Property tax
- $374
- Condo / maintenance fees
- $584
- Heating
- $0
- Estimated monthly cost
- $3,386
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $7,455
- Estimated closing costs
- $7,455
Plus your down payment of $109,800. 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
- $145,705
- Principal paid down
- $53,662
- Interest paid
- $92,043
- Balance remaining
- $385,538
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 numbersThe last 26 whole-home leases in Rural Innisfil signed at a median of $2,435 a month; adjusted to this home for size, beds and baths, and for where rents stood the month each signed, that is $2,440. The gross yield above is on the asking price, before taxes and upkeep; the cap rate is after them. A finished basement or second suite can push real rent above it. Taxes, fees, and vacancy vary by property, and cap rate is before financing.
Helpful resources
All information deemed reliable but not guaranteed. For personal, non-commercial use only. Listing courtesy of ENGEL & VOLKERS TORONTO CITY. MLS®/PropTx.