7657 Black River Road, Georgina, ON
Virginia, Georgina · MLS® N13439236
About this home
In short
- Prime Location & Exceptional Opportunity in Georgina.
- Build your dream home or cottage on this expansive 14,875 sq. ft. flat, CLEARED LOT in one of Georgina's desirable lakeside communities.
- Conveniently close to shopping, dining, and everyday amenities, with easy access to Highway 48, just 20 minutes to Highway 404 and approximately one hour from the GTA.
Prime Location & Exceptional Opportunity in Georgina! Build your dream home or cottage on this expansive 14,875 sq. ft. flat, CLEARED LOT in one of Georgina's desirable lakeside communities. Just steps from Virginia Beach Marina, enjoy easy access to boating, fishing, and year-round recreation on Lake Simcoe. This indirect waterfront property offers minimally obstructed water views and an unbeatable location near local favourites including Boondocks Eatery, The Briars Resort, Sibbald Point Provincial Park, and beautiful public beaches. Conveniently close to shopping, dining, and everyday amenities, with easy access to Highway 48, just 20 minutes to Highway 404 and approximately one hour from the GTA. A rare opportunity to create your own waterfront lifestyle retreat or investment property in a highly sought-after area. Build Your Dream Home.
Key facts
- Property type
- Other, Other
- MLS®
- N13439236
- Lot
- 69.8 × 215.33 ft
- Cross streets
- Black River rd/Virginia Blvd
- Sewer
- None
- Property tax
- $1,596 / 2025
- Days on market
- 129
- Listing brokerage
- Engel & Volkers Oakville
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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Nothing closely matching this home is listed nearby right now, so these are the nearest listings on the market.
The 4 closest active listings nearby.
See all comparable homesNeighbourhood & location
Virginia, Georgina, ON
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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.
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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 October 19, 2026); conventional rates run a little higher.
Mortgage amount $319,200 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $1,765
- Property tax
- $133
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $1,898
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $4,460
- Estimated closing costs
- $4,460
Plus your down payment of $79,800. 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
- $105,895
- Principal paid down
- $39,000
- Interest paid
- $66,894
- Balance remaining
- $280,200
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 Engel & Volkers Oakville. MLS®/PropTx.