28 Main Street, Georgina, ON
Pefferlaw, Georgina · MLS® N13821436
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About this home
In short
- Welcome to this beautifully maintained 3+2 bedroom all-brick bungalow on a rare 95' x 165' fully fenced lot.
- Bright main floor features hardwood floors, a stunning stone wood-burning fireplace, bay window, spacious dining area with deck walkout, and kitchen with stainless...
- Finished basement offers 2 bedrooms, large rec room, laundry/utility space, storage & future walk-out potential.
- Key updates include windows (2024), furnace/A/C (2021), garage & front doors (2024) and front porch (2025).
- Enjoy a private backyard with room to entertain, relax and make it your own.
Welcome to this beautifully maintained 3+2 bedroom all-brick bungalow on a rare 95' x 165' fully fenced lot. Bright main floor features hardwood floors, a stunning stone wood-burning fireplace, bay window, spacious dining area with deck walkout, and kitchen with stainless steel appliances & backyard access. Finished basement offers 2 bedrooms, large rec room, laundry/utility space, storage & future walk-out potential. Key updates include windows (2024), furnace/A/C (2021), garage & front doors (2024) and front porch (2025). Attached heated garage with hydro + detached garage add exceptional parking, storage or workshop space. Enjoy a private backyard with room to entertain, relax and make it your own. Rare lot size, versatile layout and endless possibilities-don't miss this one!
Key facts
- Property type
- Detached, Bungalow
- MLS®
- N13821436
- Bedrooms
- 3+2 (5 total)
- Bathrooms
- 2
- Size
- 1500-2000 sq ft
- Lot
- 95.33 × 165 ft
- Cross streets
- Pefferlaw Rd & Main St
- Parking
- 1 garage · 9 parking (attached)
- Driveway
- Private
- Basement
- Finished, Full
- Kitchens
- 2 (1 + 1)
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Foundation
- Concrete Block
- Roof
- Metal
- Sewer
- Septic
- Property tax
- $4,541 / 2026
- Days on market
- 26
- Listing brokerage
- HIGHPOINT HOMES REALTY
Rooms
Window
closet · window
stainless steel appl · vinyl floor · window
fireplace · bay window · hardwood floor
Window
combined w/family · sliding doors
walk-in closet(s) · window
combined w/dining · w/o to deck
closet · window
Window
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Pefferlaw, Georgina, ON
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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 $639,200 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $3,534
- Property tax
- $378
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $3,913
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $12,455
- Estimated closing costs
- $12,455
Plus your down payment of $159,800. 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
- $212,055
- Principal paid down
- $78,098
- Interest paid
- $133,956
- Balance remaining
- $561,102
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 HIGHPOINT HOMES REALTY. MLS®/PropTx.