621 Lydia Street, Newmarket, ON
Gorham-College Manor, Newmarket · MLS® N13885862
About this home
In short
- CHARACTER-FILLED CENTURY HOME ON A 70 X 130 FT LOT ACROSS FROM FAIRGROUNDS PARK & MOMENTS FROM HISTORIC MAIN STREET.
- A big in-town lot across from the park is already a win, but add wood beams, a vaulted kitchen, a 3-season room, and a spiral staircase, and 621 Lydia Street has the...
- Mature trees frame the 70 x 130 ft lot, complete with driveway parking for 4, a shed and a large yard with room for gardens, play space and outdoor dining.
- The main level is full of personality, featuring exposed wood beams, warm wood trim, hardwood flooring, cheerful paint tones and a spiral staircase.
- A large vaulted kitchen offers wood cabinetry, tile flooring, a skylight, plenty of prep space and a walkout to the 3-season room, where park views make morning...
CHARACTER-FILLED CENTURY HOME ON A 70 X 130 FT LOT ACROSS FROM FAIRGROUNDS PARK & MOMENTS FROM HISTORIC MAIN STREET! A big in-town lot across from the park is already a win, but add wood beams, a vaulted kitchen, a 3-season room, and a spiral staircase, and 621 Lydia Street has the character you don't often find. Set directly across from Fairgrounds Park with a playground, ball diamonds and green space, this home places schools, transit, shopping and restaurants close by, with Historic Main Street, Fairy Lake Park, Riverwalk Commons, Upper Canada Mall and Southlake Health all within a quick drive. Mature trees frame the 70 x 130 ft lot, complete with driveway parking for 4, a shed and a large yard with room for gardens, play space and outdoor dining. The main level is full of personality, featuring exposed wood beams, warm wood trim, hardwood flooring, cheerful paint tones and a spiral staircase. A large vaulted kitchen offers wood cabinetry, tile flooring, a skylight, plenty of prep space and a walkout to the 3-season room, where park views make morning coffee feel extra special. A main floor 3-piece bathroom with a clawfoot tub adds vintage charm, while the upper level features 2 bedrooms and a 3-piece bathroom, including a primary bedroom with a walkout to an elevated deck. Zoning may permit an accessory dwelling unit, bed and breakfast establishment, home occupation and private home daycare, offering added flexibility for a range of future uses. With a walkable Newmarket location, a generous 70 x 130 ft lot and character throughout, this #HomeToStay is full of details that make it feel anything but ordinary.
Key facts
- Property type
- Detached, 1 1/2 Storey
- MLS®
- N13885862
- Bedrooms
- 2
- Bathrooms
- 2
- Size
- 1100-1500 sq ft
- Lot
- 70 × 130 ft
- Cross streets
- Prospect St/Lydia St
- Parking
- 4 parking
- Driveway
- Private
- Basement
- Full, Unfinished, Separate Entrance
- Heating
- Forced Air
- A/C
- None
- Exterior
- Vinyl Siding
- Foundation
- Concrete Block
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $4,512 / 2025
- Days on market
- 8
- Listing brokerage
- RE/MAX HALLMARK PEGGY HILL GROUP REALTY
Rooms
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
Nothing 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 $807/sqft; this home lists at $538/sqft. Size is part of the price story, not just the sticker.
The 3 closest active listings nearby.
See all comparable homesNeighbourhood & location
Gorham-College Manor, 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.
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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 $559,200 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $3,092
- Property tax
- $376
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $3,468
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $10,455
- Estimated closing costs
- $10,455
Plus your down payment of $139,800. 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
- $185,515
- Principal paid down
- $68,324
- Interest paid
- $117,191
- Balance remaining
- $490,876
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 RE/MAX HALLMARK PEGGY HILL GROUP REALTY. MLS®/PropTx.