341 Cotter Street, Newmarket, ON
Central Newmarket, Newmarket · MLS® N13854628
About this home
In short
- Welcome to 341 Cotter Street, a charming two-bedroom home offering character, privacy, and an exceptional setting within walking distance of Downtown Newmarket and...
- From here, the layout flows naturally into the inviting living room, where original woodwork, hardwood floors, large windows, and a fireplace create a warm and...
Welcome to 341 Cotter Street, a charming two-bedroom home offering character, privacy, and an exceptional setting within walking distance of Downtown Newmarket and Fairy Lake.At the heart of the home, the spacious kitchen features generous cabinetry, warm wood countertops, ample shelving, and a bright dining area with direct access to the outdoors. From here, the layout flows naturally into the inviting living room, where original woodwork, hardwood floors, large windows, and a fireplace create a warm and comfortable gathering space. A dedicated main-floor office provides the flexibility to work from home, study, or create a quiet reading room, while the enclosed front porch offers a peaceful place to enjoy the changing seasons.Upstairs, two bright bedrooms are filled with natural light and enhanced by charming sloped ceilings and original wood floors.Outside, the property is truly distinctive. A large side yard, mature trees, established gardens, and multiple outdoor areas create a private, almost fairytale-like environment with space to relax, entertain, garden, and enjoy nature.Filled with warmth and individuality, this is a rare opportunity to enjoy a character home and generous property just moments from Main Street's shops and restaurants, Fairy Lake, parks, and trails.
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- N13854628
- Bedrooms
- 2
- Bathrooms
- 1
- Size
- 700-1100 sq ft
- Lot
- 119.8 × 72.7 ft
- Cross streets
- Water St/ Prospect
- Parking
- 3 parking
- Driveway
- Private
- Basement
- Unfinished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Aluminum Siding, Brick
- Foundation
- Unknown
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $3,814 / 2026
- Days on market
- 17
- Listing brokerage
- KELLER WILLIAMS REFERRED URBAN REALTY
Rooms
hardwood floor · ceiling fan(s) · window
hardwood floor · ceiling fan(s) · window
window · overlooks park
hardwood floor · w/o to porch · stainless steel appl
hardwood floor · ceiling fan(s) · window
hardwood floor · window
tile floor · 4 pc bath · window
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.
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For sale
For sale
For sale
For sale
For sale
For saleNothing 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 $943/sqft; this home lists at $776/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
Central Newmarket, Newmarket, 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). Newmarket.
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 October 19, 2026); conventional rates run a little higher.
Mortgage amount $558,400 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $3,087
- Property tax
- $318
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $3,405
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $10,435
- Estimated closing costs
- $10,435
Plus your down payment of $139,600. 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
- $185,249
- Principal paid down
- $68,226
- Interest paid
- $117,023
- Balance remaining
- $490,174
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 KELLER WILLIAMS REFERRED URBAN REALTY. MLS®/PropTx.