29 Johnston Street, Georgina, ON

Pefferlaw, Georgina · MLS® N13846952

$799,000
For Sale
Listed 19 days agoNo offer date stated
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3+1Bedrooms
2Bathrooms
2Garage · 6 parking
1100-1500Sq ft

About this home

In short

  • Welcome to 29 Johntson Street-where family living meets your own backyard oasis.
  • This move-in-ready 3+1 bedroom, 2-bath home offers a versatile layout with plenty of room to grow.
  • The standout is the fully fenced backyard, designed for entertaining with an above-ground pool, hot tub, covered gazebos, extra storage and stone fire pit.your own...

Welcome to 29 Johntson Street-where family living meets your own backyard oasis! This move-in-ready 3+1 bedroom, 2-bath home offers a versatile layout with plenty of room to grow. The standout is the fully fenced backyard, designed for entertaining with an above-ground pool, hot tub, covered gazebos, extra storage and stone fire pit.your own private retreat for kids, guests and summer nights at home. Inside, enjoy a bright kitchen with walkout to the backyard, a sunken bonus living space with fireplace and flexible rooms ready to make your own. Recent updates include the roof and windows. This home is built to last, with a timeless look ready for your finishing touches. Set back from the road on a peaceful street, yet within walking distance to town, restaurants, outdoor skating rinks, community events, walking trails and the river for canoeing. Convenient under an hour commute to Whitby, Oshawa and Newmarket makes this a central location. A home with space, privacy and lifestyle all wrapped into one. Book your private showing today!

Key facts

Property type
Detached, Sidesplit 4
MLS®
N13846952
Bedrooms
3+1 (4 total)
Bathrooms
2
Size
1100-1500 sq ft
Lot
81 × 199 ft
Cross streets
County Rd 21 - Johnston St
Parking
2 garage · 6 parking (attached)
Driveway
Available, Front Yard Parking
Basement
Finished, Partially Finished
Heating
Forced Air
A/C
Central Air
Exterior
Brick Front, Concrete
Foundation
Concrete Block
Roof
Asphalt Shingle
Sewer
Septic
Pool
Above Ground, Outdoor
Property tax
$3,849 / 2025
Days on market
19
Listing brokerage
MAIN STREET REALTY LTD.
Our TakeTeam Asgarian · Broker
No automatic estimate

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

Neighbourhood & location

Pefferlaw, Georgina, ON

CommuteTime from this home to where you spend your day

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Nearby neighbourhoods

How asking prices compare in the closest areas to this home. Longer bars mean a pricier market.

Virginia
$683K
Sutton & Jackson's Point
$684K
Historic Lakeshore Communities
$1.04M
Keswick North
$960K
Keswick South
$860K

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

Affordability
$3,642/mo
$152KIncome needed
5.2×Price ÷ income
$840Weekly cost
$12,455Land transfer tax, one-time (Ontario)
20% down4.79%25-yr amortization

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.

92%mortgage
Mortgage $3,642Property tax $321Total carry $3,962

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

$
20.0%
$
%
4.49%
%
Live rate from Ratehub.ca

Conventional (20%+ down). Best insured 5-year fixed 4.34% via Ratehub.ca (as of October 20, 2026); conventional rates run a little higher.

years
years (your rate-locked period)
$3,534per month

Mortgage amount $639,200 · 4.49% over 25 years

$159,800Down payment (20.0%)
$639,200Loan before insurance
$0CMHC premium
$3,855Total monthly cost

Total monthly cost

Mortgage payment (monthly equivalent)
$3,534
Property tax
$321
Condo / maintenance fees
$0
Heating
$0
Estimated monthly cost
$3,855

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

6.49%Qualifying rate
$4,278/monthPayment at the qualifying rate

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

$421,074Total interest paid
$1,060,274Total of all payments
Principal $639,200 Interest $421,074
YearPrincipalInterestBalance
1$14,264$28,147$624,936
2$14,912$27,499$610,024
3$15,589$26,822$594,435
4$16,297$26,114$578,138
5$17,037$25,374$561,102
6$17,810$24,601$543,291
7$18,619$23,792$524,672
8$19,464$22,947$505,208
9$20,348$22,063$484,860
10$21,272$21,139$463,588
11$22,238$20,173$441,351
12$23,247$19,164$418,103
13$24,303$18,108$393,800
14$25,406$17,005$368,394
15$26,560$15,851$341,834
16$27,766$14,645$314,068
17$29,026$13,384$285,042
18$30,344$12,067$254,697
19$31,722$10,689$222,975
20$33,162$9,248$189,813
21$34,668$7,743$155,145
22$36,242$6,169$118,902
23$37,888$4,523$81,015
24$39,608$2,803$41,406
25$41,406$1,005$0

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.

Let's connect

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

Rental yield
Estimate$2,300/mo
$27,600Gross annual rent
2.4%Cap rate after taxes and upkeep

Thinking of this home as an investment? We will pull real comparable rents and run the full numbers with you.

Talk about the numbers

Estimates 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.

3.5%
Gross yield
− Property tax $3,849− Insurance $1,400− Vacancy & upkeep $3,036Net operating income $19,315

All information deemed reliable but not guaranteed. For personal, non-commercial use only. Listing courtesy of MAIN STREET REALTY LTD.. MLS®/PropTx.

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