231 Denise Circle, Newmarket, ON
Summerhill Estates, Newmarket · MLS® N13827534
About this home
In short
- Great Value for 3 bdr/3 wsr +Finished Basement Townhome Located in Demanded South Summerhill Newmarket Location.
- Functional open-concept main floor with combined living and dining areas.
- Smooth Ceiling, Hardwood Flooring Throughout, Rare total of 3 parking spaces (1 garage + 2 on driveway).
- Professionally finished basement with pot lights & fireplace Conveniently located minutes to Upper Canada Mall, Newmarket GO Station, public transit, schools, and all...
Great Value for 3 bdr/3 wsr +Finished Basement Townhome Located in Demanded South Summerhill Newmarket Location! Walking distance to schools, parks, trails, and amenities along Yonge Str. Functional open-concept main floor with combined living and dining areas.Kitchen featuring new countertops, breakfast area, and walk-out to backyard - ideal for everyday living and entertaining! Smooth Ceiling, Hardwood Flooring Throughout, Rare total of 3 parking spaces (1 garage + 2 on driveway). Professionally finished basement with pot lights & fireplace* Conveniently located minutes to Upper Canada Mall, Newmarket GO Station, public transit, schools, and all major amenities. Walking distance to Cleamidow School, Seneca Cook Park, Yonge & Mulock shops and retail. A fantastic opportunity in a family-friendly neighbourhood offering space, comfort, and convenience. Must be seen!.Demand 'Summerhill' Location!
Key facts
- Property type
- Townhouse, 2-Storey
- MLS®
- N13827534
- Bedrooms
- 3
- Bathrooms
- 3 (1 half)
- Size
- 1100-1500 sq ft
- Lot
- 19.69 × 109.91 ft
- Cross streets
- Clearmeadow&Denise
- Parking
- 1 garage · 3 parking (built-in)
- Driveway
- Private
- Basement
- Finished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Foundation
- Concrete
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $4,093 / 2025
- Days on market
- 25
- Listing brokerage
- HOMETRADE REALTY INC.
Rooms
eat-in kitchen · w/o to yard · ceramic floor
laminate · combined w/living
hardwood floor · 4 pc ensuite · walk-in closet(s)
hardwood floor · closet
fireplace · combined w/dining · irregular room
fireplace · irregular room · pot lights
hardwood floor · closet
No automatic estimate is shown here: there are not enough closely comparable recent sales nearby to support one.
Considering this property? Request a written price readNeighbourhood & location
Summerhill Estates, Newmarket, 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 $607,040 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $3,356
- Property tax
- $341
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $3,698
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $11,651
- Estimated closing costs
- $11,651
Plus your down payment of $151,760. 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
- $201,386
- Principal paid down
- $74,169
- Interest paid
- $127,217
- Balance remaining
- $532,871
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 HOMETRADE REALTY INC.. MLS®/PropTx.