45 Centennial Avenue, East Gwillimbury, ON
Holland Landing, East Gwillimbury · MLS® N13871144
About this home
In short
- Lovely 4 bedroom 4 level sidesplit situated on a Private 90x177 foot lot providing you ownership of a functional layout including a Private Park like backyard.
- This pool sized backyard offers endless possibilities for hosting family and friends, sit by the firepit or enjoy your own garden to plant your fresh veggies, flowers...
- Convienient location, move in ready featuring a layout ideal for a growing family or multi generational home/in law suite - includes a separate entrance from garage...
- Renovated 4 level sidesplit features large living/dining area, eat in kitchen, large family room with a cozy floor to ceiling woodburning fireplace and separate...
- Ideallly located minutes to Yonge Street, Top rated schools, Parks, Restaruants, Shopping and lots of Amenities.
Lovely 4 bedroom 4 level sidesplit situated on a Private 90x177 foot lot providing you ownership of a functional layout including a Private Park like backyard. This pool sized backyard offers endless possibilities for hosting family and friends, sit by the firepit or enjoy your own garden to plant your fresh veggies, flowers or playground for the kids. Convienient location, move in ready featuring a layout ideal for a growing family or multi generational home/in law suite - includes a separate entrance from garage to lower level. Renovated 4 level sidesplit features large living/dining area, eat in kitchen, large family room with a cozy floor to ceiling woodburning fireplace and separate office area. Eat in kitchen offers Quartz Countertops, Pantry and plenty of cabinet space for all your cooking needs. The unfinished space - lower level offers endless potential to create additional living space suited to our needs. Ideallly located minutes to Yonge Street, Top rated schools, Parks, Restaruants, Shopping and lots of Amenities. Large garage with ample parking space for many vehicles, ideal for a growing family.
Key facts
- Property type
- Detached, Sidesplit 4
- MLS®
- N13871144
- Bedrooms
- 3+1 (4 total)
- Bathrooms
- 3 (1 half)
- Size
- 2000-2500 sq ft
- Lot
- 90.22 × 177.03 ft
- Cross streets
- Toll/Centennial/Oriole
- Parking
- 2 garage · 8 parking (attached)
- Driveway
- Private, Front Yard Parking
- Basement
- Partially Finished, Separate Entrance, Walk-Up
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Foundation
- Concrete Block
- Roof
- Asphalt Shingle
- Sewer
- Septic
- Property tax
- $5,228 / 2026
- Days on market
- 12
- Listing brokerage
- RIGHT AT HOME REALTY
Rooms
w/o to yard · greenhouse window
4 pc ensuite · walk-in closet(s) · hardwood floor
pantry · eat-in kitchen
large closet · hardwood floor
floor/ceil fireplace · above grade window
large closet · hardwood floor
above grade window · open concept
combined w/laundry · access to garage · unfinished
hardwood floor · sliding doors · formal rm
hardwood floor · bay window · formal rm
above grade window · combined w/game · laminate
quartz counter · laminate
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
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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 $529/sqft; this home lists at $444/sqft. Size is part of the price story, not just the sticker.
The 5 closest of 8 active listings nearby.
See all comparable homesNeighbourhood & location
Holland Landing, East Gwillimbury, 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). East Gwillimbury.
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 $799,104 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $4,418
- Property tax
- $436
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $4,854
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $16,453
- Estimated closing costs
- $16,453
Plus your down payment of $199,776. 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
- $265,103
- Principal paid down
- $97,636
- Interest paid
- $167,467
- Balance remaining
- $701,468
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
Income potential: the basement has a separate entrance, which often supports a rentable in-law or second suite. That can lift real rent well above the figure above and help carry the mortgage. Ask us about permitted use in this area.
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 RIGHT AT HOME REALTY. MLS®/PropTx.