85 Ferncroft Drive, Georgina, ON
Historic Lakeshore Communities, Georgina · MLS® N13434326
About this home
In short
- Magnificent, generously proportioned bungalow with a three car garage on quiet street walking distance to the lake.
- Great room with cathedral ceiling and a gas fireplace.
- Palatial main floor primary suite with a 5 pc ensuite with a jacuzzi and a walk in closet.
- Downstairs you will find a large, partially finished basement, which has a great layout, many above grade windows, 2nd gas fireplace, bathroom rough in and lots of...
- 65 foot wide lot and an impressive footprint and located on a beautiful, quiet cul-de-sac only a few homes from the end of the street.
Live by the Lake! Magnificent, generously proportioned bungalow with a three car garage on quiet street walking distance to the lake! One of only a few homes like this in town, this is an ultra rare, sprawling 2247 sq ft above grade 3 bed, 3 bath floorplan with an ideal split bedroom layout! Step inside and you will find an inviting foyer, gleaming hardwood floors. 9' ceilings. Great room with cathedral ceiling and a gas fireplace. California shutters. Spacious kitchen with upgraded cabinets, large peninsula, stainless steel appliances and walk out to a large, south facing deck. Palatial main floor primary suite with a 5 pc ensuite with a jacuzzi and a walk in closet. Kids/guests have a jack and jill bathroom and huge closets. The formal dining room is big enough to host the whole family. Downstairs you will find a large, partially finished basement, which has a great layout, many above grade windows, 2nd gas fireplace, bathroom rough in and lots of room for your family or hobbies! The heated three car garage offers the ideal man cave or shop and storage for your toys year round. Other features include 200 amp main panel and 40 amp sub panel. Upgraded tall garage doors. Workshop. Cold storage. Beautiful masonry and curb appeal. 65 foot wide lot and an impressive footprint and located on a beautiful, quiet cul-de-sac only a few homes from the end of the street. All of this, only minutes to the lake and all that Keswick has to offer with a short stroll to schools, shopping and amenities. This immaculate home is a nearly impossible to find product that offers both the ultimate downsize or ideal family home that people can raise their family and/or grow old in. This is the very definition of well maintained and pride of ownership! I welcome you to have a look!
Key facts
- Property type
- Detached, Bungalow
- MLS®
- N13434326
- Bedrooms
- 3
- Bathrooms
- 3 (1 half)
- Size
- 2000-2500 sq ft
- Lot
- 65.62 × 106.63 ft
- Cross streets
- Metro Rd N / Ferncroft Dr
- Parking
- 3 garage · 7 parking (attached)
- Driveway
- Private Triple
- Basement
- Partially Finished, Full
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Foundation
- Poured Concrete
- Roof
- Shingles
- Sewer
- Sewer
- Property tax
- $7,248 / 2025
- Days on market
- 102
- Listing brokerage
- ROYAL LEPAGE SIGNATURE REALTY
Rooms
concrete floor · open concept · gas fireplace
concrete floor · l-shaped room
tile floor · breakfast bar · w/o to deck
hardwood floor · formal rm · california shutters
hardwood floor · cathedral ceiling(s) · gas fireplace
l-shaped room · separate room · above grade window
broadloom · double closet · semi ensuite
tile floor · stainless steel appl · open concept
broadloom · walk-in closet(s) · 5 pc ensuite
concrete floor · combined w/rec · window
broadloom · double closet · semi ensuite
Listed at $999,999. Going by how homes in Historic Lakeshore Communities and the wider GTA have actually closed against their asking prices (about 97%, 18 local closings in 90 days), the likely sale price is near $966K, if it sells. A realistic range is $905K to $1.09M.
Independent value check: $995K. Without looking at the asking price, our model values the home itself in line with the ask (homes like it typically land between $933K and $1.04M).
Why $995K. The typical detached home sold in Historic Lakeshore Communities over the past year went for about $780K (60 sales). What sets this one apart:
- ▲ Raises it stronglyIts tax bill, which follows the city's own assessment, is $7,248 a year; the typical home sold here pays about $4,800.
- ▲ Raises itIt is 2,000 to 2,500 sq ft; the typical home sold here is 1,100 to 1,500.
- ▲ Raises it3 bedrooms and 3 baths, against 3+1 and 2 typically.
Total price vs nearby homes. Likely closing about $966K, from 18 recent closings in this pocket.
The market behind the math:
About 0.8 months of inventory: 5 detached homes for sale in the area against 18 closings in the last 90 days. Under two months favours sellers, over four favours buyers.
Price per square foot: this home lists at $444/sqft against an area asking average of $493/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.
It never sees the asking price. The 18 most comparable recent sales on their own, adjusted for size, beds, baths and lot, point to about $953K. Condition and finishes remain an in-person call.
What the listing highlights5 points to weigh
Claims from the listing, worth confirming in person. I can book you a private showing.
- Finished basement: added living space, worth checking ceiling height and that the work was permitted. Value driver
- Tall ceilings: they transform how a home feels, worth confirming the actual heights room to room. Worth verifying
- Premium lot / gardens: lot size and privacy hold value and cannot be changed, verify frontage, depth, and any easements. Value driver
- Primary suite: a key comfort and resale feature. Lifestyle
- Hardwood floors: quality hardwood is durable and broadly desirable. Lifestyle
Schools & getting aroundcatchment and transit
The assigned public school is Lakeside PS. EQAO is only one input, and families here also look at French Immersion, boundary, and private options, the full breakdown is below.
Based on 18 comparable homes that sold in Historic Lakeshore Communities over the past two years, from 134 closings there.
For sale
For sale
For sale
For sale
For saleNothing closely matching this home is listed nearby right now, so these are the nearest detached listings on the market. Homes like this one have recently closed around $995K, which is where my estimate comes from.
Per square foot, these ask about $493/sqft; this home lists at $444/sqft. Size is part of the price story, not just the sticker.
The 5 closest active listings nearby.
See all comparable homesNeighbourhood & location
Historic Lakeshore Communities, Georgina, ON
Enter a workplace or destination and we’ll show the door-to-door time by car, transit and bike.
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). Georgina.
Get the full neighbourhood report (schools, parks, transit & safety) →
The public and Catholic schools this address is zoned for, with EQAO results (the share of students meeting Ontario's provincial standard).
School attendance boundaries and EQAO results are Ontario government data and can change. Confirm the current catchment with the school board before relying on it.
Also nearby: 1 more schools within 2.5 km
Not the assigned catchment: schools a family here could reach, with EQAO results where published.
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 4.24% via Ratehub.ca (as of September 22, 2026); conventional rates run a little higher.
Mortgage amount $799,999 · 4.39% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $4,379
- Property tax
- $604
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $4,983
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $16,475
- Estimated closing costs
- $16,475
Plus your down payment of $200,000. 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
- $262,739
- Principal paid down
- $98,914
- Interest paid
- $163,825
- Balance remaining
- $701,085
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 21 whole-home leases in Historic Lakeshore Communities signed at a median of $2,374 a month; adjusted to this home for size, beds and baths, and for where rents stood the month each signed, that is $3,421. 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 ROYAL LEPAGE SIGNATURE REALTY. MLS®/PropTx.