23233 Miles Road, Georgina, ON

Baldwin, Georgina · MLS® N14088364

$1,390,000
For Sale
Listed 3 days agoNo offer date stated
4+4Bedrooms
5Bathrooms
2Garage · 10 parking
2000-2500Sq ft

About this home

In short

  • Riverfront Bungalow with In-Law Suite! Welcome to 23233 Miles Road, an exceptional riverfront retreat offering nearly 4,000 sq. ft. of finished living space on...
  • This bright and spacious bungalow features an impressive total of 8 bedrooms, an oversized double-car garage with ample clearance and space to accommodate a car hoist...
  • The main level offers 4 bedrooms, while the fully finished lower level features 2 additional bedrooms, generous living and entertaining space complete with a wet bar...
  • A spacious workshop with hydro (approximately 23' x 35') provides excellent space for additional storage, hobbies, equipment or recreational toys.
  • Enjoy the privacy and tranquility of country living while remaining conveniently close to schools, parks, shopping, restaurants, Lake Simcoe, beaches, marinas and...

***Riverfront Bungalow with In-Law Suite!*** Welcome to 23233 Miles Road, an exceptional riverfront retreat offering nearly 4,000 sq. ft. of finished living space on approximately 2.6 acres in Georgina. This bright and spacious bungalow features an impressive total of 8 bedrooms, an oversized double-car garage with ample clearance and space to accommodate a car hoist or lift, and a versatile layout designed to suit a variety of lifestyles. The main level offers 4 bedrooms, while the fully finished lower level features 2 additional bedrooms, generous living and entertaining space complete with a wet bar, plus a self-contained 2 bedroom in-law suite. Two dedicated laundry facilities provide added convenience and flexibility for large, extended or multi-generational families. Meticulously maintained inside and out, the property is beautifully landscaped and offers direct access to Black River, ideal for canoeing, kayaking, fishing, camping, entertaining or simply enjoying the peaceful natural surroundings from the privacy of your own backyard. A spacious workshop with hydro (approximately 23' x 35') provides excellent space for additional storage, hobbies, equipment or recreational toys. Enjoy the privacy and tranquility of country living while remaining conveniently close to schools, parks, shopping, restaurants, Lake Simcoe, beaches, marinas and everyday amenities, with easy access to Highway 48 and Highway 404. A truly unique property offering exceptional space, versatility, recreation and an outstanding lifestyle!

Key facts

Property type
Detached, Bungalow
MLS®
N14088364
Bedrooms
4+4 (8 total)
Bathrooms
5 (1 half)
Size
2000-2500 sq ft
Lot
150.06 × 702.06 ft
Cross streets
Highway 48/Miles Road
Parking
2 garage · 10 parking (attached)
Driveway
Private Double
Basement
Apartment, Finished with Walk-Out
Kitchens
2 (1 + 1)
Heating
Forced Air
A/C
Central Air
Exterior
Brick
Foundation
Concrete Block
Roof
Asphalt Shingle
Sewer
Septic
Property tax
$8,161 / 2025
Days on market
3
Listing brokerage
CENTURY 21 LEADING EDGE REALTY INC.

Rooms

Family RoomLower3.74 × 4.90 m
BedroomMain3.41 × 4.15 m
FoyerMain2.26 × 5.65 m
BedroomLower3.00 × 2.89 m
Primary BedroomMain3.78 × 5.36 m
BedroomLower3.78 × 2.96 m
RecreationLower7.09 × 6.91 m
BedroomLower3.78 × 3.71 m
BedroomMain3.45 × 3.53 m
LaundryLower2.81 × 3.83 m
KitchenLower3.63 × 4.35 m
BedroomLower3.64 × 4.14 m
Living RoomMain4.49 × 5.56 m
BedroomMain3.04 × 3.06 m
Dining RoomMain4.88 × 2.98 m
KitchenMain6.19 × 4.01 m
Utility RoomLower2.25 × 5.61 m
OfficeMain1.71 × 1.45 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

Baldwin, 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.

Sutton & Jackson's Point
$707K
Virginia
$683K
Keswick North
$960K
Keswick South
$860K
Historic Lakeshore Communities
$1.04M

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
$6,335/mo
$267KIncome needed
5.2×Price ÷ income
$1,462Weekly cost
$24,275Land 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.

90%mortgage
Mortgage $6,335Property tax $680Total carry $7,015

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 20, 2026); conventional rates run a little higher.

years
years (your rate-locked period)
$6,148per month

Mortgage amount $1,112,000 · 4.49% over 25 years

$278,000Down payment (20.0%)
$1,112,000Loan before insurance
$0CMHC premium
$6,829Total monthly cost

Total monthly cost

Mortgage payment (monthly equivalent)
$6,148
Property tax
$680
Condo / maintenance fees
$0
Heating
$0
Estimated monthly cost
$6,829

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

One-time closing costs

Ontario land transfer tax
$24,275
Estimated closing costs
$24,275

Plus your down payment of $278,000. Legal fees, title insurance, and adjustments are extra and vary by deal.

Mortgage stress test

6.49%Qualifying rate
$7,442/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

$732,532Total interest paid
$1,844,532Total of all payments
Principal $1,112,000 Interest $732,532
YearPrincipalInterestBalance
1$24,815$48,966$1,087,185
2$25,942$47,839$1,061,243
3$27,120$46,662$1,034,123
4$28,351$45,430$1,005,772
5$29,638$44,143$976,134
6$30,984$42,797$945,150
7$32,391$41,391$912,759
8$33,861$39,920$878,898
9$35,399$38,382$843,499
10$37,006$36,775$806,493
11$38,686$35,095$767,807
12$40,443$33,338$727,364
13$42,279$31,502$685,085
14$44,199$29,582$640,886
15$46,206$27,576$594,680
16$48,303$25,478$546,377
17$50,497$23,285$495,880
18$52,789$20,992$443,091
19$55,186$18,595$387,904
20$57,692$16,089$330,213
21$60,311$13,470$269,901
22$63,050$10,732$206,851
23$65,912$7,869$140,939
24$68,905$4,876$72,034
25$72,034$1,748$0

At the end of your 5-year term

Total paid over the term
$368,906
Principal paid down
$135,866
Interest paid
$233,040
Balance remaining
$976,134

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$4,200/mo
$50,400Gross annual rent
2.5%Cap rate after taxes and upkeep

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 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.

3.6%
Gross yield
− Property tax $8,161− Insurance $1,400− Vacancy & upkeep $5,544Net operating income $35,295

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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