104 Riverbank Drive, Georgina, ON
Pefferlaw, Georgina · MLS® N13796042
About this home
In short
- Set along the riverfront in Pefferlaw, this immaculate bungalow offers a peaceful waterfront lifestyle, with beautifully maintained interior spaces and direct access...
- Positioned on a quiet road, the property combines the comfort of a year-round residence with the atmosphere of a private cottage retreat, all within 20 minutes of...
- The main level features a bright and functional layout with warm hardwood flooring, expansive windows, and open sightlines throughout the principal living areas.
- Walk-out access connects directly to the patio, landscaped gardens, and waterfront beyond.
Set along the riverfront in Pefferlaw, this immaculate bungalow offers a peaceful waterfront lifestyle, with beautifully maintained interior spaces and direct access to Lake Simcoe. Positioned on a quiet road, the property combines the comfort of a year-round residence with the atmosphere of a private cottage retreat, all within 20 minutes of Highway 404. The main level features a bright and functional layout with warm hardwood flooring, expansive windows, and open sightlines throughout the principal living areas. The kitchen is designed for both everyday use and entertaining, complete with rich wood cabinetry, a centre island, and a dedicated dining area overlooking the water. A walk-out leads to a massive elevated terrace with glass railings, creating an exceptional outdoor living space with panoramic river views and seamless indoor-outdoor flow. Two bedrooms and a full bathroom are positioned on the main floor, including a comfortable primary suite with peaceful natural surroundings, visible from nearly every window. The finished at-grade lower level extends the living space substantially, featuring a large sunken family room with fireplace, oversized windows, additional bedroom, second bathroom, and a convenient kitchenette setup ideal for guests, extended family, or flexible recreational use. Walk-out access connects directly to the patio, landscaped gardens, and waterfront beyond. Surrounded by mature trees and tranquil views, the property also includes a detached two-car garage, ample driveway parking, floating dock, and direct boating access just minutes from the main lake. This is a truly rare opportunity to enjoy a refined waterfront setting, with the flexibility and comfort suited to both full-time living and weekend escapes. The deep waterfront can accommodate a large boat.
Key facts
- Property type
- Detached, Bungalow
- MLS®
- N13796042
- Bedrooms
- 3
- Bathrooms
- 2
- Size
- 1500-2000 sq ft
- Lot
- 100 × 188.16 ft
- Cross streets
- Pefferlaw Rd and Hwy 48
- Parking
- 2 garage · 9 parking (detached)
- Basement
- Finished with Walk-Out
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Stone, Wood
- Foundation
- Block
- Roof
- Metal
- Sewer
- Septic
- Property tax
- $4,612 / 2026
- Days on market
- 32
- Listing brokerage
- RE/MAX HALLMARK REALTY LTD.
Rooms
broadloom · window
combined w/dining · centre island · stainless steel appl
w/o to patio · fireplace
broadloom · closet
combined w/kitchen · hardwood floor · w/o to deck
tile floor · window · 4 pc bath
3 pc bath · tile floor
broadloom · closet
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.
Considering this property? Request a written price read
Nothing 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 $540/sqft; this home lists at $551/sqft. Size is part of the price story, not just the sticker.
The 5 closest of 6 active listings nearby.
See all comparable homesNeighbourhood & location
Pefferlaw, 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.
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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 $771,920 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $4,268
- Property tax
- $384
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $4,652
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $15,773
- Estimated closing costs
- $15,773
Plus your down payment of $192,980. 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
- $256,085
- Principal paid down
- $94,314
- Interest paid
- $161,770
- Balance remaining
- $677,606
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
Income potential: the basement has a separate entrance, which often supports a rentable in-law or second suite. That can lift real rent well above the figure above and help carry the mortgage. Ask us about permitted use in this area.
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 HALLMARK REALTY LTD.. MLS®/PropTx.