105-166 Olive Street, East Gwillimbury, ON

Holland Landing, East Gwillimbury · MLS® N13528286

$449,000
For Sale
Listed 105 days agoNo offer date statedSitting longer than typical
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2Bedrooms
1Bathrooms
1Garage
800-899Sq ft

About this home

In short

  • This rare opportunity features a ground-floor suite with a private walk-out to a yard backing onto a serene greenspace and forest.
  • Located on a quiet dead-end street surrounded by nature, this unit offers two bedrooms, one bathroom, and an open-concept living area.
  • The property is ideally situated close to the library, public transit, and 400-series highways, and is just minutes away from Newmarket.

This rare opportunity features a ground-floor suite with a private walk-out to a yard backing onto a serene greenspace and forest. Located on a quiet dead-end street surrounded by nature, this unit offers two bedrooms, one bathroom, and an open-concept living area. Large windows throughout provide abundant natural light and stunning forest views. Additional features include ensuite laundry, a storage locker, and exclusive surface parking conveniently located near the front entrance. Residents can also enjoy building amenities such as a party room, workshop, and exercise room. The property is ideally situated close to the library, public transit, and 400-series highways, and is just minutes away from Newmarket.

Key facts

Property type
Condo Apartment, Apartment
MLS®
N13528286
Bedrooms
2
Bathrooms
1
Size
800-899 sq ft
Cross streets
Yonge St./Olivia St.
Parking
1 garage (surface)
Basement
None
Heating
Baseboard
A/C
Other
Exterior
Brick
Maintenance
$640/mo
Exposure
West
Property tax
$2,008 / 2025
Days on market
105
Listing brokerage
CENTURY 21 HERITAGE GROUP LTD.

Rooms

Bedroom 2Main3.66 × 2.33 m
Living RoomMain5.25 × 4.85 m
Primary BedroomMain4.13 × 2.80 m
Dining RoomMain5.25 × 4.85 m
LaundryMain2.80 × 1.60 m
KitchenMain3.70 × 2.85 m
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 in Holland Landing · asking prices
$500kavg asking

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

The 1 closest active listing nearby.

See all comparable homes
449kThis home500kThis 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.

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

Affordability & Mortgage

Affordability
$2,046/mo
$99KIncome needed
4.5×Price ÷ income
$472Weekly cost
$5,455Land 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.

72%mortgage
Mortgage $2,046Property tax $167Condo fee $640Total carry $2,854

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 19, 2026); conventional rates run a little higher.

years
years (your rate-locked period)
$1,986per month

Mortgage amount $359,200 · 4.49% over 25 years

$89,800Down payment (20.0%)
$359,200Loan before insurance
$0CMHC premium
$2,793Total monthly cost

Total monthly cost

Mortgage payment (monthly equivalent)
$1,986
Property tax
$167
Condo / maintenance fees
$640
Heating
$0
Estimated monthly cost
$2,793

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

One-time closing costs

Ontario land transfer tax
$5,455
Estimated closing costs
$5,455

Plus your down payment of $89,800. Legal fees, title insurance, and adjustments are extra and vary by deal.

Mortgage stress test

6.49%Qualifying rate
$2,404/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

$236,624Total interest paid
$595,824Total of all payments
Principal $359,200 Interest $236,624
YearPrincipalInterestBalance
1$8,016$15,817$351,184
2$8,380$15,453$342,804
3$8,760$15,073$334,044
4$9,158$14,675$324,886
5$9,574$14,259$315,312
6$10,008$13,824$305,304
7$10,463$13,370$294,841
8$10,938$12,895$283,903
9$11,435$12,398$272,468
10$11,954$11,879$260,515
11$12,497$11,336$248,018
12$13,064$10,769$234,954
13$13,657$10,176$221,297
14$14,277$9,556$207,020
15$14,925$8,908$192,095
16$15,603$8,230$176,492
17$16,312$7,521$160,180
18$17,052$6,781$143,128
19$17,826$6,007$125,302
20$18,636$5,197$106,666
21$19,482$4,351$87,184
22$20,366$3,467$66,817
23$21,291$2,542$45,526
24$22,258$1,575$23,268
25$23,268$564$0

At the end of your 5-year term

Total paid over the term
$119,165
Principal paid down
$43,888
Interest paid
$75,277
Balance remaining
$315,312

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$2,700/mo
$32,400Gross annual rent
4.1%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.

7.2%
Gross yield
− Property tax $2,008− Condo fees $7,682− Insurance $600− Vacancy & upkeep $3,564Net operating income $18,546

All information deemed reliable but not guaranteed. For personal, non-commercial use only. Listing courtesy of CENTURY 21 HERITAGE GROUP LTD.. MLS®/PropTx.

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