38 Clear Spring Avenue, Georgina, ON
Keswick South, Georgina · MLS® N13739350
About this home
In short
- STUNNING 5-YEAR-NEW HOME ON A SUN-FILLED CORNER LOT.
- Offering over 2,500 sq. ft. of finished living space, this beautifully maintained 4-bedroom, 5-bathroom home combines a spacious family-friendly layout with loads of...
- Upstairs, you'll find four generously sized bedrooms and the convenience of a 2nd-floor laundry room.
- The oversized primary retreat features his & hers closets, including a walk-in, and a spacious 5-pc ensuite, while the 4th bedroom offers its own walk-in closet &...
- Set on a professionally landscaped corner lot and ideally located minutes to schools, parks, walking trails, transit, Hwy access, shopping, restaurants & more.
STUNNING 5-YEAR-NEW HOME ON A SUN-FILLED CORNER LOT! Offering over 2,500 sq. ft. of finished living space, this beautifully maintained 4-bedroom, 5-bathroom home combines a spacious family-friendly layout with loads of natural light throughout. The heart of the home is the large eat-in kitchen, featuring plenty of room to gather and an impressive wall-to-wall walkout overlooking the backyard. The kitchen opens seamlessly into the family room, complete with a centred gas fireplace, creating the perfect everyday living and entertaining space. Upstairs, you'll find four generously sized bedrooms and the convenience of a 2nd-floor laundry room. The oversized primary retreat features his & hers closets, including a walk-in, and a spacious 5-pc ensuite, while the 4th bedroom offers its own walk-in closet & private 3-pc ensuite-ideal for guests or older children. Thoughtful upgrades include wider doorway entries, large basement windows and a 3-pc basement bathroom, offering great potential for additional finished living space. Set on a professionally landscaped corner lot and ideally located minutes to schools, parks, walking trails, transit, Hwy access, shopping, restaurants & more! Bright, spacious & beautifully designed - this is a home made for growing families!
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- N13739350
- Bedrooms
- 4
- Bathrooms
- 5 (1 half)
- Size
- 2500-3000 sq ft
- Lot
- 48.43 × 88.6 ft
- Cross streets
- Ravenshoe/The Queensway
- Parking
- 2 garage · 6 parking (built-in)
- Driveway
- Private Double
- Basement
- Full
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick, Vinyl Siding
- Foundation
- Poured Concrete
- Roof
- Shingles
- Sewer
- Sewer
- Property tax
- $6,496 / 2025
- Days on market
- 22
- Listing brokerage
- MAIN STREET REALTY LTD.
Listed at $989,900. Going by how homes in Keswick South have actually closed against their asking prices (about 97%, 44 local closings in 90 days), the likely sale price is near $956K, if it sells. A realistic range is $895K to $1.08M.
Independent value check: $900K. Without looking at the asking price, our model values the home itself about 9% below the ask (homes like it typically land between $844K and $944K).
Why $900K. The typical detached home sold in Keswick South over the past year went for about $800K (168 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.
- ▼ Lowers it slightlyIts tax bill, which follows the city's own assessment, is $6,496 a year; the typical home sold here pays about $5,000.
Total price vs nearby homes. Likely closing about $956K, from 44 recent closings in this pocket.
The market behind the math:
About 1 months of inventory: 14 detached homes for sale in the area against 44 closings in the last 90 days. Under two months favours sellers, over four favours buyers.
Price per square foot: this home lists at $360/sqft against an area asking average of $398/sqft.
- Corner lot. Two street frontages: more to landscape, shovel and mow, and more exposure to traffic, wind and headlights at night. Buyers price that against an interior lot on the same street, so I read this one on the cautious side and confirm the setting in person.
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 44 most comparable recent sales on their own, adjusted for size, beds, baths and lot, point to about $859K. 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.
- Transit / schools nearby: convenience and resale support, verify the exact distances and school catchment. Value driver
- Corner lot: more light and frontage, sometimes at the cost of privacy. Weigh carefully
Schools & getting aroundcatchment and transit
The assigned public school is Lake Simcoe PS. EQAO is only one input, and families here also look at French Immersion, boundary, and private options, the full breakdown is below.
On location, this is a more car-dependent spot, so buyers here typically drive. The Queensway / Hollywood Drive is about a 2-minute walk away. Worth weighing if transit access matters to you.
Read this with carewhy it’s an estimate, not an appraisal
Priced above comparable homes overall, but the price per square foot ($360/sqft) is below the area, so you are paying for extra space rather than a premium.
Based on 44 comparable homes that sold in Keswick South over the past two years, from 359 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 $378/sqft; this home lists at $360/sqft. Size is part of the price story, not just the sticker.
The 5 closest active listings nearby.
See all comparable homesNeighbourhood & location
Keswick South, Georgina, ON
Enter a workplace or destination and we’ll show the door-to-door time by car, transit and bike.
Getting around
Car-DependentA walkability read built from the amenities around this home: how close the nearest transit stop is, and how many grocery, dining, park, and pharmacy destinations fall within a 15-minute walk. It is a guide, not a guarantee. Places data from OpenStreetMap contributors.
Almost all errands require a car — groceries and transit are a drive away.
🚉 Nearest transit: The Queensway / Hollywood Drive, about 199 m away
Within a 15-minute (1.5 km) walk.
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) →
The public and Catholic schools this address is zoned for, with EQAO results (the share of students meeting Ontario's provincial standard).
School attendance boundaries and EQAO results are Ontario government data and can change. Confirm the current catchment with the school board before relying on it.
Also nearby: 4 more schools within 2.5 km
Not the assigned catchment: schools a family here could reach, with EQAO results where published.
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 $791,920 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $4,379
- Property tax
- $541
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $4,920
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $16,273
- Estimated closing costs
- $16,273
Plus your down payment of $197,980. 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
- $262,720
- Principal paid down
- $96,758
- Interest paid
- $165,962
- Balance remaining
- $695,162
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 69 whole-home leases in Keswick South signed at a median of $3,766 a month; adjusted to this home for size, beds and baths, and for where rents stood the month each signed, that is $4,049. 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 MAIN STREET REALTY LTD.. MLS®/PropTx.