49 High Street, Georgina, ON

Sutton & Jackson's Point, Georgina · MLS® N13855964

$450,000
For Sale
Listed 17 days agoNo offer date stated
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3Bedrooms
1Bathrooms
1Garage · 3 parking
700-1100Sq ft

About this home

In short

  • Attention builders, investors and contractors.
  • This cozy 3-bedroom bungalow sits on a generous 66' x 159' lot with municipal water, hydro and natural gas.
  • Enjoy a short drive to Jackson's Point, Lake Simcoe beaches, marinas and waterfront recreation, with convenient access to Highways 48 and 404.

Attention builders, investors and contractors! Discover an excellent opportunity in the heart of Sutton West. This cozy 3-bedroom bungalow sits on a generous 66' x 159' lot with municipal water, hydro and natural gas. A detached garage with convenient public laneway access adds versatility. Ideally located near High Street shops and restaurants, schools, parks, the Georgina Centre for Arts & Culture, Peter Gzowski Library and The Link. Enjoy a short drive to Jackson's Point, Lake Simcoe beaches, marinas and waterfront recreation, with convenient access to Highways 48 and 404. An exceptional opportunity to renovate, personalize and bring your vision to life!

Key facts

Property type
Detached, Bungalow
MLS®
N13855964
Bedrooms
3
Bathrooms
1
Size
700-1100 sq ft
Lot
66 × 159 ft
Cross streets
High Street & Hawkins Street
Parking
1 garage · 3 parking (detached)
Driveway
Private
Basement
Crawl Space
Heating
Other
A/C
None
Exterior
Aluminum Siding
Foundation
Concrete Block
Roof
Asphalt Shingle
Sewer
Sewer
Property tax
$3,510 / 2026
Days on market
17
Listing brokerage
CENTURY 21 LEADING EDGE REALTY INC.

Rooms

Primary BedroomMain3.21 × 3.63 m
Living RoomMain4.72 × 5.86 m

Combined w/Dining

Bedroom 2Main2.77 × 2.35 m
KitchenMain2.56 × 2.96 m

Combined w/Laundry

Mud RoomMain4.01 × 2.87 m
Bedroom 3Main2.17 × 2.96 m
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

Sutton & Jackson's Point, Georgina, ON

CommuteTime from this home to where you spend your day

Enter a workplace or destination and we’ll show the door-to-door time by car, transit and bike.

Nearby neighbourhoods

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

Historic Lakeshore Communities
$1.04M
Virginia
$683K
Keswick North
$960K
Pefferlaw
$808K
Keswick South
$861K

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
$2,051/mo
$92KIncome needed
4.9×Price ÷ income
$473Weekly cost
$5,475Land 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.

88%mortgage
Mortgage $2,051Property tax $292Total carry $2,343

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 19, 2026); conventional rates run a little higher.

years
years (your rate-locked period)
$1,991per month

Mortgage amount $360,000 · 4.49% over 25 years

$90,000Down payment (20.0%)
$360,000Loan before insurance
$0CMHC premium
$2,283Total monthly cost

Total monthly cost

Mortgage payment (monthly equivalent)
$1,991
Property tax
$293
Condo / maintenance fees
$0
Heating
$0
Estimated monthly cost
$2,283

Add your own property tax, condo fees, and heating on the left for a sharper total.

One-time closing costs

Ontario land transfer tax
$5,475
Estimated closing costs
$5,475

Plus your down payment of $90,000. Legal fees, title insurance, and adjustments are extra and vary by deal.

Mortgage stress test

6.49%Qualifying rate
$2,409/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

$237,151Total interest paid
$597,151Total of all payments
Principal $360,000 Interest $237,151
YearPrincipalInterestBalance
1$8,034$15,852$351,966
2$8,398$15,488$343,568
3$8,780$15,106$334,788
4$9,178$14,708$325,610
5$9,595$14,291$316,015
6$10,031$13,855$305,984
7$10,486$13,400$295,498
8$10,962$12,924$284,535
9$11,460$12,426$273,075
10$11,980$11,906$261,095
11$12,524$11,362$248,570
12$13,093$10,793$235,477
13$13,687$10,199$221,790
14$14,309$9,577$207,481
15$14,959$8,927$192,522
16$15,638$8,248$176,885
17$16,348$7,538$160,537
18$17,090$6,796$143,447
19$17,866$6,020$125,581
20$18,677$5,209$106,903
21$19,525$4,361$87,378
22$20,412$3,474$66,966
23$21,339$2,547$45,628
24$22,307$1,579$23,320
25$23,320$566$0

At the end of your 5-year term

Total paid over the term
$119,430
Principal paid down
$43,985
Interest paid
$75,445
Balance remaining
$316,015

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$1,450/mo
$17,400Gross 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.

3.9%
Gross yield
− Property tax $3,510− Insurance $1,400− Vacancy & upkeep $1,914Net operating income $10,576

All information deemed reliable but not guaranteed. For personal, non-commercial use only. Listing courtesy of CENTURY 21 LEADING EDGE REALTY INC.. MLS®/PropTx.

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