92 Church Street, Georgina, ON
Keswick North, Georgina · MLS® N13780620
About this home
In short
- Welcome to 92 Church Street, an impressive 5-bedroom, 5-bathroom home offering approximately 3,600 sq. ft. of above-grade living space on an oversized 123' deep lot...
- Soaring ceilings and large windows create a bright, open feel throughout.
- Upstairs, the generous primary retreat features a private ensuite and impressive walk-in closet, complemented by four additional bedrooms.
- Complete with a double garage and ample parking, all within an established Keswick North neighbourhood close to schools, parks, shopping, restaurants and everyday...
Welcome to 92 Church Street, an impressive 5-bedroom, 5-bathroom home offering approximately 3,600 sq. ft. of above-grade living space on an oversized 123' deep lot just steps from Lake Simcoe. The spacious main floor features formal living and dining rooms, a private office, expansive family room and a bright kitchen with abundant cabinetry, large centre island and adjoining breakfast area. Soaring ceilings and large windows create a bright, open feel throughout. Upstairs, the generous primary retreat features a private ensuite and impressive walk-in closet, complemented by four additional bedrooms. Complete with a double garage and ample parking, all within an established Keswick North neighbourhood close to schools, parks, shopping, restaurants and everyday amenities.
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- N13780620
- Bedrooms
- 5
- Bathrooms
- 5 (1 half)
- Size
- 3500-5000 sq ft
- Lot
- 123.46 × 47.56 ft
- Cross streets
- Woodbine Ave to Church St
- Parking
- 2 garage · 4 parking (attached)
- Driveway
- Private
- Basement
- Unfinished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Stone, Brick
- Foundation
- Poured Concrete
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $8,981 / 2025
- Days on market
- 35
- Listing brokerage
- COLDWELL BANKER THE REAL ESTATE CENTRE
Rooms
walk-in closet(s) · 5 pc ensuite
walk-in closet(s) · 3 pc ensuite
walk-in closet(s) · 3 pc bath
2 Pc Bath
walk-in closet(s) · 3 pc bath
3 pc ensuite · walk-in closet(s)
Listed at $1,199,000. Going by how homes in Keswick North and the wider GTA have actually closed against their asking prices (about 97%, 32 local closings in 90 days), the likely sale price is near $1.16M, if it sells. A realistic range is $1.09M to $1.31M.
Independent value check: $1.23M. Without looking at the asking price, our model values the home itself about 3% above the ask (homes like it typically land between $1.16M and $1.29M).
Why $1.23M. The typical detached home sold in Keswick North over the past year went for about $835K (107 sales). What sets this one apart:
- ▲ Raises it stronglyIt is 3,500 to 5,000 sq ft; the typical home sold here is 1,500 to 2,000.
- ▲ Raises it stronglyIts tax bill, which follows the city's own assessment, is $8,981 a year; the typical home sold here pays about $5,300.
- ▲ Raises it slightlyIts lot is 123 by 48 ft; the typical lot sold here is 49 by 126.
Total price vs nearby homes. Likely closing about $1.16M, from 32 recent closings in this pocket.
The market behind the math:
About 1.1 months of inventory: 12 detached homes for sale in the area against 32 closings in the last 90 days. Under two months favours sellers, over four favours buyers.
Price per square foot: this home lists at $282/sqft against an area asking average of $330/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 32 most comparable recent sales on their own, adjusted for size, beds, baths and lot, point to about $1.09M. 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.
- Tall ceilings: they transform how a home feels, worth confirming the actual heights room to room. Worth verifying
- Primary suite: a key comfort and resale feature. 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
The listing states size as a wide range, so the size adjustment is approximate and this estimate is a rough read. I can confirm exact square footage to tighten it.
Based on 32 comparable homes that sold in Keswick North over the past two years, from 193 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 $339/sqft; this home lists at $282/sqft. Size is part of the price story, not just the sticker.
The 4 closest active listings nearby.
See all comparable homesSold price trend
Median sold price for detached homes in Keswick North: $780K in September 2026, down 7% from a year ago, on 100 closings in 9 months.
Line: median sold price, each month averaged with its neighbours and weighted by closings. Bars: closings that month.
Month by month
| Month | Median sold | Closings |
|---|---|---|
| October 2025 | $930K | 11 |
| November 2025 | $808K | 8 |
| February 2026 | $855K | 5 |
| March 2026 | $838K | 8 |
| May 2026 | $748K | 12 |
| June 2026 | $850K | 21 |
| July 2026 | $760K | 15 |
| August 2026 | $849K | 7 |
| September 2026 | $780K | 13 |
Neighbourhood & location
Keswick North, Georgina, 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). 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 19, 2026); conventional rates run a little higher.
Mortgage amount $959,200 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $5,304
- Property tax
- $748
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $6,052
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $20,455
- Estimated closing costs
- $20,455
Plus your down payment of $239,800. 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
- $318,215
- Principal paid down
- $117,197
- Interest paid
- $201,018
- Balance remaining
- $842,003
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 10 whole-home leases in Keswick North signed at a median of $4,725 a month; adjusted to this home for size, beds and baths, and for where rents stood the month each signed, that is $5,235. 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 COLDWELL BANKER THE REAL ESTATE CENTRE. MLS®/PropTx.