12 Victoria Street, Innisfil, ON
Cookstown, Innisfil · MLS® N13776396
About this home
In short
- Vacant lot in the heart of Cookstown.
- Build your own custom home or explore the potential to acquire the neighbouring property at 11 King Street and create one exceptional, oversized parcel in the centre...
- Ideally located in the heart of bustling Cookstown, close to shops, restaurants, schools, parks and everyday amenities, with excellent commuting access to the GTA.
Vacant lot in the heart of Cookstown! An exciting opportunity with endless possibilities. Build your own custom home or explore the potential to acquire the neighbouring property at 11 King Street and create one exceptional, oversized parcel in the centre of town. With the potential for a new driveway from King Street, the combined property could offer opportunities to expand the existing home, create additional living space or explore the possibility of an additional dwelling - all subject to municipal approvals. Ideally located in the heart of bustling Cookstown, close to shops, restaurants, schools, parks and everyday amenities, with excellent commuting access to the GTA. A rare opportunity to create something truly unique in a well-established and highly sought-after community.
Key facts
- Property type
- Other, Other
- MLS®
- N13776396
- Lot
- 205.4 × 102.71 ft
- Cross streets
- Queen St / King St S / Hamilton St
- Property tax
- $2,343 / 2026
- Days on market
- 8
- Listing brokerage
- RE/MAX HALLMARK CHAY REALTY
This is a rare parcel: about 0.48 acres. Comparable-sales math works on size and bedrooms, and here the lot is what is being sold, so no automatic estimate is shown.
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For sale
For sale
For sale
For sale
For sale
For sale
For sale
For saleNothing closely matching this home is listed nearby right now, so these are the nearest listings on the market. Homes like this one have recently closed around $426K, which is where my estimate comes from.
Per square foot, these ask about $335/sqft. Size is part of the price story, not just the sticker.
The 5 closest of 8 active listings nearby.
See all comparable homesNeighbourhood & location
Cookstown, Innisfil, ON
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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 4.24% via Ratehub.ca (as of September 21, 2026); conventional rates run a little higher.
Mortgage amount $319,920 · 4.39% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $1,751
- Property tax
- $195
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $1,946
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $4,474
- Estimated closing costs
- $4,474
Plus your down payment of $79,980. 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
- $105,070
- Principal paid down
- $39,556
- Interest paid
- $65,514
- Balance remaining
- $280,364
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 7 whole-home leases in Cookstown signed at a median of $2,900 a month; adjusted to this home for size, beds and baths, and for where rents stood the month each signed, that is $2,900. 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.