3211 Cowan Avenue, Innisfil, ON
Rural Innisfil, Innisfil · MLS® N13828456
About this home
In short
- Welcome to 3211 Cowan Avenue, a beautifully updated raised bungalow tucked away on a quiet, family-friendly cul-de-sac in Innisfil.
- The bright open-concept main floor brings the kitchen, dining and living areas together.
- The renovated bathroom includes a freestanding tub, glass shower and contemporary finishes.
- It's ideal for a growing or multi-generational family, with future potential for a separate 2-bedroom income suite.
- Key updates and features include: Modern kitchen with large island, Renovated main bathroom, Finished lower-level bedrooms, full bathroom, Furnace and water heater...
Welcome to 3211 Cowan Avenue, a beautifully updated raised bungalow tucked away on a quiet, family-friendly cul-de-sac in Innisfil. Set on a large, private lot, this home offers plenty of space inside and out, with many important updates already completed. The bright open-concept main floor brings the kitchen, dining and living areas together. The modern kitchen features a large island, plenty of workspace and updated finishes. The renovated bathroom includes a freestanding tub, glass shower and contemporary finishes. The lower level adds even more usable space and is already largely finished. It includes two bedrooms, a full bathroom with shower, living space and a kitchen area with upper cabinetry and rough-ins already in place. The major work has been completed, with flooring, lower kitchen cabinetry and appliances remaining to finish the space. It's ideal for a growing or multi-generational family, with future potential for a separate 2-bedroom income suite. Key updates and features include: Modern kitchen with large island, Renovated main bathroom, Finished lower-level bedrooms, full bathroom, Furnace and water heater replaced in 2025, Upgraded attic insulation, Smart thermostat, Water softener & iron filtration system, Drilled well (no municipal water bill) All equipment owned (no rental contracts) Outside, the large backyard offers plenty of room for kids, gardening and entertaining. The septic bed is located in the front yard, leaving the backyard open and usable, while the oversized driveway provides parking for up to 8 vehicles.All of this is just minutes from Lake Simcoe beaches, Innisfil Beach Park and Friday Harbour Resort, with convenient access to Hwy 400, the GO Station, shopping, parks and everyday amenities.A well-updated home with a large lot, flexible living space, and most of the major work already done.
Key facts
- Property type
- Detached, Bungalow-Raised
- MLS®
- N13828456
- Bedrooms
- 3+2 (5 total)
- Bathrooms
- 2
- Size
- 1500-2000 sq ft
- Lot
- 60.06 × 250.35 ft
- Cross streets
- Mapleview Dr E/25th Sd Rd
- Parking
- 1 garage · 8 parking (attached)
- Basement
- Finished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Vinyl Siding
- Foundation
- Concrete
- Roof
- Asphalt Shingle
- Sewer
- Septic
- Property tax
- $4,012 / 2025
- Listing brokerage
- COLDWELL BANKER THE REAL ESTATE CENTRE
Rooms
soaking tub · 4 pc bath · separate shower
vinyl floor · combined w/kitchen
quartz counter · combined w/dining · vinyl floor
Vinyl Floor
vinyl floor · open concept
Listed at $799,000. Going by how homes in Rural Innisfil have actually closed against their asking prices (about 96%, 64 local closings in 90 days), the likely sale price is near $765K, if it sells. A realistic range is $716K to $862K.
Independent value check: $861K. Without looking at the asking price, our model values the home itself about 8% above the ask (homes like it typically land between $807K and $903K).
Total price vs nearby homes. Likely closing about $765K, from 64 recent closings in this pocket.
The market behind the math:
About 0.2 months of inventory: 5 detached homes for sale in the area against 64 closings in the last 90 days. Under two months favours sellers, over four favours buyers.
Price per square foot: this home lists at $457/sqft against an area asking average of $731/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 64 most comparable recent sales on their own, adjusted for size, beds, baths and lot, point to about $626K. Condition and finishes remain an in-person call.
What the listing highlights2 points to weigh
Claims from the listing, worth confirming in person. I can book you a private showing.
- Renovated / rebuilt: recent work can mean fewer upfront costs, worth confirming the scope, quality, and that permits were pulled. Value driver
- Open-concept layout: modern, sought-after flow. Lifestyle
Based on 64 comparable homes that sold in Rural Innisfil over the past year, from 233 closings there.
Nothing closely matching this home is listed nearby right now, so these are the nearest detached listings on the market. Homes like this one have recently closed around $861K, which is where my estimate comes from.
Per square foot, these ask about $686/sqft; this home lists at $457/sqft. Size is part of the price story, not just the sticker.
The 3 closest active listings nearby.
See all comparable homesNeighbourhood & location
Rural Innisfil, Innisfil, 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). Innisfil.
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 September 25, 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
- $334
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $3,869
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 numbersThe last 29 whole-home leases in Rural Innisfil signed at a median of $3,089 a month; adjusted to this home for size, beds and baths, and for where rents stood the month each signed, that is $3,034. 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.