631 Lockhart Road, Innisfil, ON
Rural Innisfil, Innisfil · MLS® N13732090
About this home
In short
- Well Maintained & Thoughtfully Upgraded Throughout.
- Main Level Features Open Concept Layout With Vinyl Flooring (2026), Large Windows, & Is Conveniently Combined With the Dining Room For Seamless Hosting On Any Occasion.
- Fully Finished Lower Level Features Open Concept Rec Room With Broadloom Flooring & Napoleon Gas Fireplace, Creating A Great Second Space To Host Or Hangout With...
- Recent Upgrades Include: Vinyl Flooring (2026), Broadloom Flooring (2024), Gas Generator (2024), Fridge & Stove (2024), Washer (2026), Dryer (2023), New Well Pump...
- Ideal Location Minutes To Lake Simcoe, Parks, Marinas, Boat Launches, Golf Courses & Walking Trails For Everyone To Enjoy.
Pride Of Ownership! Well Maintained & Thoughtfully Upgraded Throughout! Cozy Raised Bungalow Nestled On Private 0.57 Acred Lot Surrounded By Mature Trees In Sought After Innisfil! Main Level Features Open Concept Layout With Vinyl Flooring (2026), Large Windows, & Is Conveniently Combined With the Dining Room For Seamless Hosting On Any Occasion! Eat-In Galley Kitchen Boasts Stainless Steel Appliances (2024), Granite Countertops, A Breakfast Area & Walk-Out To The Backyard Composite Deck (2026) Perfect For Enjoying A Summer BBQ Or Relaxing On A Warm Day! Convenient Main Level Primary Bedroom With Large Closet, & Newly Updated 4 Piece Semi Ensuite With New Tile Flooring, Double Vanities & Walk-In Shower! (2026). Second Bedroom With Closet Space & Large Windows Allowing Lots Of Natural Sunlight To Shine Through. Fully Finished Lower Level Features Open Concept Rec Room With Broadloom Flooring & Napoleon Gas Fireplace, Creating A Great Second Space To Host Or Hangout With Friends & Family. Plus Additional Bedroom Is Perfect For Guests To Stay. Huge Backyard Is Filled With Green Space For Kids To Play Or Your Own Blank Canvas With Lots Of Space To Design With Landscaping Throughout! Double Car Extra Wide Garage With Drive-Thru To Backyard! Plus An Additional Garden Shed For All Your Storage! Recent Upgrades Include: Vinyl Flooring (2026), Broadloom Flooring (2024), Gas Generator (2024), Fridge & Stove (2024), Washer (2026), Dryer (2023), New Well Pump (2026) & Softener (2024), Furnace (2024), Deck (2026), Bathroom Renovation (2026)! Ideal Location Minutes To Lake Simcoe, Parks, Marinas, Boat Launches, Golf Courses & Walking Trails For Everyone To Enjoy! Plus Short Drive To All Major Amenities Including Groceries, Schools, Shopping, GO! Transit, Highway 400, & More! All That's Left To Do Is Move In!
Key facts
- Property type
- Detached, Bungalow-Raised
- MLS®
- N13732090
- Bedrooms
- 2+1 (3 total)
- Bathrooms
- 1
- Size
- 1100-1500 sq ft
- Lot
- 100 × 250 ft
- Cross streets
- 25th Sideroad / Lockhart Road
- Parking
- 2 garage · 8 parking (attached)
- Driveway
- Private
- Basement
- Full, Finished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Aluminum Siding, Brick
- Foundation
- Concrete Block
- Roof
- Shingles
- Sewer
- Septic
- Property tax
- $4,806 / 2025
- Days on market
- 24
- Listing brokerage
- RE/MAX HALLMARK CHAY REALTY
Rooms
eat-in kitchen · stainless steel appl · w/o to deck
large window · vinyl floor · closet
vinyl floor · combined w/dining · open concept
open concept · broadloom · window
combined w/kitchen · vinyl floor · large window
ceiling fan(s) · window · broadloom
semi ensuite · large closet · vinyl floor
Listed at $844,900. 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 $809K, if it sells. A realistic range is $758K to $911K.
Independent value check: $928K. Without looking at the asking price, our model values the home itself about 10% above the ask (homes like it typically land between $870K and $973K).
Total price vs nearby homes. Likely closing about $809K, from 65 recent closings in this pocket.
The market behind the math:
About 0.4 months of inventory: 8 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 $650/sqft against an area asking average of $641/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 $627K. Condition and finishes remain an in-person call.
What the listing highlights3 points to weigh
Claims from the listing, worth confirming in person. I can book you a private showing.
- Renovated / rebuilt: recent work can mean fewer upfront costs, worth confirming the scope, quality, and that permits were pulled. Value driver
- Open-concept layout: modern, sought-after flow. Lifestyle
- Transit / schools nearby: convenience and resale support, verify the exact distances and school catchment. Value driver
Read this with carewhy it’s an estimate, not an appraisal
Below comparable homes on total price, yet the price per square foot ($650/sqft) is in line with the area, which usually points to a smaller or more efficient layout.
There were not many closely comparable homes right in Rural Innisfil, so I widened the search to the surrounding area.
Based on 65 comparable homes that sold in Rural Innisfil over the past year, from 233 closings there.
Nothing 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 $928K, which is where my estimate comes from.
Per square foot, these ask about $627/sqft; this home lists at $650/sqft. Size is part of the price story, not just the sticker.
The 4 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 $675,920 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $3,737
- Property tax
- $401
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $4,138
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $13,373
- Estimated closing costs
- $13,373
Plus your down payment of $168,980. 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
- $224,237
- Principal paid down
- $82,585
- Interest paid
- $141,652
- Balance remaining
- $593,335
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 Rural Innisfil signed at a median of $2,624 a month; adjusted to this home for size, beds and baths, and for where rents stood the month each signed, that is $2,655. 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 HALLMARK CHAY REALTY. MLS®/PropTx.