23 Personna Circle, Brampton, ON
Credit Valley, Brampton · MLS® W12906696
About this home
Welcome to 23 Personna Circle, proudly situated in the prestigious Estates of Credit Valley, on a cul de sac location. one of Brampton's most sought-after neighbourhoods. This stunning, fully upgraded residence offers exceptional craftsmanship, thoughtful design, and a legal finished basement with a separate entrance. Double-door entry leads into a bright, elegant main floor featuring 9 ft ceilings, hardwood floors, pot lights, and separate living and family rooms, ideal for both entertaining and everyday comfort. The cozy gas fireplace creates a warm focal point in the family room. The gourmet kitchen boasts stainless steel appliances, granite countertops, ample cabinetry, and an open, functional layout that will impress any home chef. A beautiful oak staircase leads to four spacious bedrooms, including a luxurious primary suite with a 5-piece ensuite and walk-in closet. 3 washrooms upstairs for convenience and comfort.. The professionally finished legal basement offers excellent versatility with its own private entrance, multiple rooms, full washroom, and large living space. Outside, enjoy a meticulously maintained backyard with a concrete patio, with no neighbours behind, perfect for gatherings and summer relaxation. The extended concrete driveway allows parking for up to 6 vehicles, plus convenient garage-to-house entry.
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- W12906696
- Bedrooms
- 6 (4 + 2)
- Bathrooms
- 5 (1 half)
- Size
- 2500-3000
- Lot
- 35.93 × 105.52 ft
- Cross streets
- Mississauga Rd/ William Pkwy
- Parking
- 2 garage · 6 parking (built-in)
- Driveway
- Private
- Basement
- Separate Entrance, Apartment
- Kitchens
- 2 (1 + 1)
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Foundation
- Concrete
- Roof
- Shingles
- Sewer
- Sewer
- Property tax
- $6,753 / 2025
- Days on market
- 118
- Listing brokerage
- RE/MAX REALTY SPECIALISTS INC.
Listed at $1,299,900, this home is right in line with comparable homes. The number above is my independent estimate of value, not the asking price.
Based on 24 similar homes nearby, adjusted for size, beds, and baths.Median of 24 comparable active listings, adjusted for size, beds, and baths. The city (MPAC) assessment points to about $978K, lower than the comparables and worth a second look.
How I got there
Here is the exact math behind the estimate. I start from the closest comparable listing and adjust for the real differences (size, beds, baths) to land on a like-for-like value for this home.
- Closest comparable, listed at $1.28M
- Adjusts to $1.28M
That comparable adjusts to $1.28M; the $1.28M estimate above is the median of all 24 comparables, which is steadier than any single home.This uses comparable active listings, not sold prices. Lot, condition, and finishes are my in-person call, and I can run a full CMA with recent solds.
On location, it is moderately walkable, so some daily errands are within reach and for the rest you will likely drive. Williams Pky e/of Personna Cir is about a 2-minute walk away.
Total price vs nearby homes. Fair value about $1.28M, median of 24 comparables.
What the listing highlightsThese are claims from the listing. The only way to know for sure is to see it in person, and I am happy to book you a private showing.
- Separate entrance / basement suite: rental or in-law income potential, if it is legally registered and retrofit-compliant.
- Finished basement: added living space, worth checking ceiling height and that the work was permitted.
- Upscale kitchen: a genuine value driver, verify the appliances, stone, and finishes in person.
- Primary suite: a key comfort and resale feature.
- Hardwood floors: quality hardwood is durable and broadly desirable.
- Income potential
- Value driver
- Lifestyle
The closest active listings by size, beds, and price, so you can see what this home is up against.
The 5 closest of 8 active listings nearby.
See all comparable homesThis home lists 3% below the area average of $486/sqft.
117 days longer than the Brampton average (1 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Credit Valley, Brampton, ON
Enter a workplace or destination and we’ll show the door-to-door time by car, transit and bike.
Getting around
WalkableA walkability read built from the amenities around this home: how close the nearest transit stop is, and how many grocery, dining, park, and pharmacy destinations fall within a 15-minute walk. It is a guide, not a guarantee. Places data from Google.
Many errands can be done on foot; a car still helps.
🚉 Nearest transit: Williams Pky e/of Personna Cir, about 132 m away
Within a 15-minute (1.5 km) walk.
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). Brampton.
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 3.99% via Ratehub.ca (as of July 17, 2026); conventional rates run a little higher.
Mortgage amount $1,039,920 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $5,549
- Property tax
- $563
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $6,112
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $22,473
- Estimated closing costs
- $22,473
Plus your down payment of $259,980. 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
- $332,964
- Principal paid down
- $132,434
- Interest paid
- $200,530
- Balance remaining
- $907,486
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 REALTY SPECIALISTS INC.. MLS®/PropTx.