22 Second Street, Georgina, ON
Pefferlaw, Georgina · MLS® N14080826
About this home
In short
- Fabulous 3-bedroom two bathroom home, completely gutted and beautifully renovated throughout.
- Step outside to a captivating backyard oasis with an expansive deck.
- Completed July 2026 The Sellers have undertaken significant improvements and repairs to the property, investing over $50,000 July 2026, to improve the condition...
Fabulous 3-bedroom two bathroom home, completely gutted and beautifully renovated throughout. Featuring a modern quartz kitchen with seamless backsplash, double undermount sink, built-in dishwasher, glass-top stove, and a one-year-old fridge/freezer. Thoughtfully designed with built-in spice drawers, a charming coffee nook, and integrated garbage and recycling bins. Pot lights illuminate the home, complemented by large picture windows that fill the space with an abundance of natural light. The primary bedroom is surrounded by numerous windows, creating a bright and airy retreat. The spacious bathroom offers an oversized tub, delivering spa-like comfort and relaxation. Step outside to a captivating backyard oasis with an expansive deck. Completed July 2026 The Sellers have undertaken significant improvements and repairs to the property, investing over $50,000 July 2026, to improve the condition, efficiency, safety, and functionality of the home. Electricity updated in the garage for a EV charger.
Key facts
- Property type
- Detached, Bungalow
- MLS®
- N14080826
- Bedrooms
- 3
- Bathrooms
- 2 (1 half)
- Size
- 1100-1500 sq ft
- Lot
- 114.5 × 100 ft
- Cross streets
- Clovelly Cove / Irving Drive
- Parking
- 1 garage · 6 parking (attached)
- Driveway
- Private
- Basement
- Crawl Space
- Heating
- Baseboard
- A/C
- Wall Unit(s)
- Exterior
- Vinyl Siding
- Foundation
- Unknown
- Roof
- Shingles
- Sewer
- Septic
- Property tax
- $2,990 / 2025
- Days on market
- 4
- Listing brokerage
- HARVEY KALLES REAL ESTATE LTD.
Rooms
laminate · open concept · pot lights
laminate · large window · double closet
2 pc bath · laminate
Laminate
laminate · open concept
laminate · w/o to yard
laminate · breakfast bar · w/o to sundeck
laminate · large window · w/o to deck
laminate · window
laminate · 4 pc bath · window
laminate · 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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The closest active listings by size, beds, and price, so you can see what this home is up against.
Per square foot, these ask about $594/sqft; this home lists at $461/sqft. Size is part of the price story, not just the sticker.
The 3 closest active listings nearby.
See all comparable homesNeighbourhood & location
Pefferlaw, Georgina, ON
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Typical asking price of active listings of the same type, per area (outliers removed). Georgina.
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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 $479,200 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $2,650
- Property tax
- $249
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $2,899
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $8,455
- Estimated closing costs
- $8,455
Plus your down payment of $119,800. 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
- $158,975
- Principal paid down
- $58,549
- Interest paid
- $100,425
- Balance remaining
- $420,651
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 HARVEY KALLES REAL ESTATE LTD.. MLS®/PropTx.