181 Church Street, Georgina, ON
Keswick North, Georgina · MLS® N13779334
About this home
In short
- A truly one-of-a-kind century home in the heart of Keswick North, offering an incredible opportunity to own a beautiful piece of local history.
- Step inside and appreciate the beautifully restored original hardwood floors that preserve the warmth and character of this special home.
- The bright, open-concept kitchen and dining area has been fully renovated with beautiful modern finishes, stainless steel appliances, a stylish backsplash and...
- The main floor continues with a spacious living room, additional family room, convenient laundry and a beautifully renovated bathroom featuring a double-sink floating...
- A separate entrance with mudroom off the kitchen adds even more functionality.
A truly one-of-a-kind century home in the heart of Keswick North, offering an incredible opportunity to own a beautiful piece of local history. Lovingly maintained and thoughtfully upgraded, this charming 4-bedroom home blends timeless character with modern touches and plenty of space for the whole family. Step inside and appreciate the beautifully restored original hardwood floors that preserve the warmth and character of this special home. The bright, open-concept kitchen and dining area has been fully renovated with beautiful modern finishes, stainless steel appliances, a stylish backsplash and functional space for everyday living and entertaining. The main floor continues with a spacious living room, additional family room, convenient laundry and a beautifully renovated bathroom featuring a double-sink floating vanity and stunning custom-built open-concept shower thoughtfully designed with privacy in mind. A separate entrance with mudroom off the kitchen adds even more functionality. Upstairs, discover 4 generous bedrooms, including a unique loft-style bedroom with skylight, perfect for a home office, guest room, playroom or creative space. The additional bedrooms offer their own closets, with original hardwood flooring continuing throughout this carpet-free home. Outside, enjoy a large fully fenced backyard with a spacious deck, garden, hot tub and oversized storage shed. A brand-new paved driveway completed in 2026 provides parking for 8+ vehicles, while crawl-space storage offers additional functionality. Most windows were updated approx. 2015, along with several main-floor upgrades completed around the same time. Ideally located close to shops, restaurants, schools, parks, daycares and everyday amenities, with beautiful Lake Simcoe just minutes away. Full of warmth, history and personality, 181 Church Street is anything but cookie-cutter. A rare opportunity to own a unique century home filled with character and charm in beautiful Keswick!
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- N13779334
- Bedrooms
- 4
- Bathrooms
- 2
- Size
- 1500-2000 sq ft
- Lot
- 83.53 × 133.59 ft
- Cross streets
- The Queensway & Church St
- Parking
- 8 parking
- Driveway
- Private Double
- Basement
- Unfinished, Crawl Space
- Heating
- Forced Air
- A/C
- Window Unit(s)
- Exterior
- Brick
- Foundation
- Stone, Other
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $5,277 / 2026
- Days on market
- 35
- Listing brokerage
- RE/MAX REALTRON REALTY INC.
Rooms
hardwood floor · large window · 4 pc bath
laminate · large window · combined w/kitchen
hardwood floor · closet · window
hardwood floor · window · closet
hardwood floor · ceiling fan(s) · double closet
laminate · stainless steel appl · quartz counter
laminate · side door · w/o to deck
hardwood floor · skylight · b/i shelves
hardwood floor · window · closet
concrete floor · separate room
hardwood floor · bay window · ceiling fan(s)
laminate · laundry sink · separate room
No automatic estimate is shown here: there is not a deep enough record of recent sales of homes like this one in this neighbourhood to support one.
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For saleNothing closely matching this home is listed nearby right now, so these are the nearest detached listings on the market.
Per square foot, these ask about $400/sqft; this home lists at $457/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
Keswick North, Georgina, 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). 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 $639,999 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $3,539
- Property tax
- $440
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $3,978
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $12,475
- Estimated closing costs
- $12,475
Plus your down payment of $160,000. 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
- $212,320
- Principal paid down
- $78,196
- Interest paid
- $134,124
- Balance remaining
- $561,803
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 numbersEstimates only. Rent is modelled on above-grade size and local norms, so a finished basement or second suite (a separate entrance often means one) can push real rent well above this. Taxes, fees, and vacancy vary by property, and cap rate is before financing. A starting point, not a final number, let us run the real ones with you.
Helpful resources
All information deemed reliable but not guaranteed. For personal, non-commercial use only. Listing courtesy of RE/MAX REALTRON REALTY INC.. MLS®/PropTx.