951 Larter Street, Innisfil, ON
Rural Innisfil, Innisfil · MLS® N13642670
About this home
In short
- Located in one of Innisfil's most desirable neighbourhoods near Lake Simcoe, this thoughtfully customized 4-bedroom Fernbrook home features a redesigned layout...
- The spacious primary suite features a beautifully upgraded ensuite, while the generously sized secondary bedrooms offer ensuite or semi-ensuite bathroom access...
- Ideally located just minutes from Lake Simcoe, Innisfil Beach Park, Friday Harbour Resort, golf courses, schools, shopping, and Highway 400, this home offers the...
Located in one of Innisfil's most desirable neighbourhoods near Lake Simcoe, this thoughtfully customized 4-bedroom Fernbrook home features a redesigned layout highlighted by a dramatic open-to-above living room, creating an impressive sense of space and natural light rarely found in comparable models. The beautifully upgraded kitchen features an oversized custom pantry, premium cabinetry, granite countertops, a large centre island, and upgraded stainless steel appliances.The spacious primary suite features a beautifully upgraded ensuite, while the generously sized secondary bedrooms offer ensuite or semi-ensuite bathroom access, providing added comfort and convenience for family living.The partially framed basement with a bathroom rough-in offers excellent potential for future living space. Additional highlights include a central vacuum system, professionally landscaped front yard with stone interlock, and a fully fenced backyard complete with a storage shed.Ideally located just minutes from Lake Simcoe, Innisfil Beach Park, Friday Harbour Resort, golf courses, schools, shopping, and Highway 400, this home offers the perfect combination of modern family living and everyday convenience.
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- N13642670
- Bedrooms
- 4
- Bathrooms
- 4 (1 half)
- Size
- 3000-3500 sq ft
- Lot
- 42 × 114.83 ft
- Cross streets
- 20th Sideroad / 6th Line
- Parking
- 2 garage · 6 parking (attached)
- Driveway
- Private
- Basement
- Full
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick, Stone
- Foundation
- Poured Concrete
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $7,004 / 2026
- Days on market
- 50
- Listing brokerage
- RE/MAX CONDOS PLUS CORPORATION
Rooms
hardwood floor · combined w/living
semi ensuite · large window · broadloom
walk-in closet(s) · semi ensuite · broadloom
hardwood floor · window · combined w/family
5 pc ensuite · walk-in closet(s) · broadloom
hardwood floor · window · french doors
hardwood floor · window
combined w/living · large window · gas fireplace
hardwood floor · gas fireplace · combined w/family
hardwood floor · large window · french doors
granite counters · pantry · centre island
3 pc ensuite · double closet · large window
Listed at $1,299,000. Going by how homes in Rural Innisfil have actually closed against their asking prices (about 96%, 65 local closings in 90 days), the likely sale price is near $1.24M, if it sells. A realistic range is $1.16M to $1.40M.
Independent value check: $1.21M. Without looking at the asking price, our model values the home itself about 7% below the ask (homes like it typically land between $1.13M and $1.27M).
Total price vs nearby homes. Likely closing about $1.24M, from 65 recent closings in this pocket.
The market behind the math:
About 1 months of inventory: 22 detached homes for sale in the area against 65 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 $417/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 65 most comparable recent sales on their own, adjusted for size, beds, baths and lot, point to about $836K. Condition and finishes remain an in-person call.
What the listing highlights1 point to weigh
Claims from the listing, worth confirming in person. I can book you a private showing.
- Primary suite: a key comfort and resale feature. 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 65 comparable homes that sold in Rural Innisfil over the past year, from 232 closings there.
The closest active listings by size, beds, and price, so you can see what this home is up against.
Per square foot, these ask about $369/sqft; this home lists at $400/sqft. Size is part of the price story, not just the sticker.
The 5 closest active listings nearby.
See all comparable homesNeighbourhood & location
Rural Innisfil, Innisfil, 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). Innisfil.
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 $1,039,200 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $5,746
- Property tax
- $584
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $6,330
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $22,455
- Estimated closing costs
- $22,455
Plus your down payment of $259,800. 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
- $344,755
- Principal paid down
- $126,971
- Interest paid
- $217,784
- Balance remaining
- $912,229
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 66 whole-home leases in Rural Innisfil signed at a median of $3,406 a month; adjusted to this home for size, beds and baths, and for where rents stood the month each signed, that is $3,826. 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 CONDOS PLUS CORPORATION. MLS®/PropTx.