98 Church Street, Georgina, ON
Keswick North, Georgina · MLS® N13589566
About this home
In short
- Built in 2022, this 2,643 sq. ft. two-storey brick and stone home offers a refined blend of quality construction and thoughtful design.
- The main level impresses with 10-foot ceilings, a marble entry, and hardwood flooring over a solid plywood subfloor, while the upper level carries 9-foot ceilings and...
- Additional highlights include a fully drywalled garage and 200-amp service, offering comfort, convenience, and lasting value.
Built in 2022, this 2,643 sq. ft. two-storey brick and stone home offers a refined blend of quality construction and thoughtful design. Originally a model home, it features upgraded finishes and standout workmanship throughout. The main level impresses with 10-foot ceilings, a marble entry, and hardwood flooring over a solid plywood subfloor, while the upper level carries 9-foot ceilings and four well-appointed bedrooms. Two bedrooms enjoy private ensuites, with the remaining two connected by semi-ensuite baths. The layout is both elegant and functional, with a formal dining room and a welcoming great room anchored by a gas fireplace and walkout to the backyard. The kitchen is designed for everyday living and entertaining, complete with a centre island, breakfast bar, butler's pantry, and walkout. Additional highlights include a fully drywalled garage and 200-amp service, offering comfort, convenience, and lasting value.
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- N13589566
- Bedrooms
- 4
- Bathrooms
- 4 (1 half)
- Size
- 2500-3000 sq ft
- Lot
- 49.21 × 122.89 ft
- Cross streets
- Metro/Church or Woodbine/Church
- Parking
- 2 garage · 4 parking (built-in)
- Driveway
- Private Double
- Basement
- Unfinished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick, Stone
- Foundation
- Poured Concrete
- Roof
- Shingles
- Sewer
- Sewer
- Property tax
- $7,154 / 2025
- Days on market
- 90
- Listing brokerage
- RE/MAX ALL-STARS REALTY INC.
Rooms
hardwood floor · fireplace
hardwood floor · semi ensuite · double closet
hardwood floor · 3 pc ensuite · walk-in closet(s)
hardwood floor · semi ensuite · double closet
breakfast bar · pantry · w/o to deck
hardwood floor · formal rm
Access To Garage
l-shaped room · 5 pc ensuite · walk-in closet(s)
Listed at $1,099,000. Going by how homes in Keswick North and the wider GTA have actually closed against their asking prices (about 97%, 32 local closings in 90 days), the likely sale price is near $1.06M, if it sells. A realistic range is $996K to $1.20M.
Independent value check: $935K. Without looking at the asking price, our model values the home itself about 15% below the ask (homes like it typically land between $876K and $980K).
Why $935K. The typical detached home sold in Keswick North over the past year went for about $835K (107 sales). What sets this one apart:
- ▲ Raises itIt is 2,500 to 3,000 sq ft; the typical home sold here is 1,500 to 2,000.
- ▲ Raises itIts tax bill, which follows the city's own assessment, is $7,154 a year; the typical home sold here pays about $5,300.
Longer on the market than typical. 90 days on the market against about 30 for homes like it here, and asking 18% above where comparable closings put it.
Total price vs nearby homes. Likely closing about $1.06M, from 32 recent closings in this pocket.
The market behind the math:
About 2.2 months of inventory: 23 detached homes for sale in the area against 32 closings in the last 90 days. Under two months favours sellers, over four favours buyers.
Price per square foot: this home lists at $400/sqft against an area asking average of $409/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 32 most comparable recent sales on their own, adjusted for size, beds, baths and lot, point to about $851K. 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.
- Tall ceilings: they transform how a home feels, worth confirming the actual heights room to room. Worth verifying
- Hardwood floors: quality hardwood is durable and broadly desirable. Lifestyle
Read this with carewhy it’s an estimate, not an appraisal
Priced above comparable homes overall, but the price per square foot ($400/sqft) is in line with the area, so you are paying for extra space rather than a premium.
Based on 32 comparable homes that sold in Keswick North over the past two years, from 193 closings there.
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 $370/sqft; this home lists at $400/sqft. Size is part of the price story, not just the sticker.
The 5 closest of 7 active listings nearby.
See all comparable homesSold price trend
Median sold price for detached homes in Keswick North: $780K in September 2026, down 7% from a year ago, on 100 closings in 9 months.
Line: median sold price, each month averaged with its neighbours and weighted by closings. Bars: closings that month.
Month by month
| Month | Median sold | Closings |
|---|---|---|
| October 2025 | $930K | 11 |
| November 2025 | $808K | 8 |
| February 2026 | $855K | 5 |
| March 2026 | $838K | 8 |
| May 2026 | $748K | 12 |
| June 2026 | $850K | 21 |
| July 2026 | $760K | 15 |
| August 2026 | $849K | 7 |
| September 2026 | $780K | 13 |
Neighbourhood & location
Keswick North, 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) →
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 20, 2026); conventional rates run a little higher.
Mortgage amount $879,200 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $4,861
- Property tax
- $596
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $5,457
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $18,455
- Estimated closing costs
- $18,455
Plus your down payment of $219,800. 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
- $291,675
- Principal paid down
- $107,422
- Interest paid
- $184,253
- Balance remaining
- $771,778
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 39 whole-home leases in Keswick North signed at a median of $4,095 a month; adjusted to this home for size, beds and baths, and for where rents stood the month each signed, that is $4,320. 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 RE/MAX ALL-STARS REALTY INC.. MLS®/PropTx.