The trademarks MLS®, Multiple Listing Service®, and the associated logos are owned by the Canadian Real Estate Association (CREA) and identify the quality of services provided by real estate professionals who are members of CREA. Listing data provided by the Toronto Regional Real Estate Board (TRREB). Data is deemed reliable but not guaranteed.
Wake up to the peaceful sound of the Credit River at this inviting bungaloft, set on a gorgeous 0.72-acre property in Terra Cotta. Backing directly onto the river and surrounded by mature greenery, this is a setting that invites you to slow down and enjoy every season outdoors. Sip your morning coffee by the water, entertain on the two-tiered deck or explore nearby trails and conservation areas. Terra Cotta is loved for its quiet village character, beautiful countryside and year-round recreation-an ideal match for nature lovers and active lifestyles. Lovingly cared for and upgraded over the years, the home offers a flexible layout that can evolve with your needs. Off the foyer, the living room and sunroom capture extraordinary views across the property. Complete with a 4-pc bath and direct deck access, this versatile space could function as additional living quarters, a private area for extended family or a peaceful everyday retreat. Above, a bright loft with skylights and windows extending across the wall provides inspiring green-space views. Use it as a home office, reading nook, creative studio or optional bedroom. The renovated kitchen combines quartz counters, solid-wood soft-close cabinetry, a waterfall island, stainless-steel appliances and deck access-bringing the natural setting into daily life. The adjoining family room is warm and comfortable, while two updated bedrooms and renovated main-level bathroom provide an easy, functional layout. The finished basement adds a spacious bedroom, bathroom and extensive built-in storage, providing flexibility for guests, hobbies or multigenerational living. Major improvements include updated siding and insulation, a whole-home Generac generator, Carrier heat pump, refurbished septic, updated windows and roof, garage door and epoxy flooring, plus a water softener, reverse-osmosis drinking water and UV treatment. A riverfront setting offering privacy, versatility and the beauty of Terra Cotta right outside your door.
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What’s NearbyDistances approximate
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Estimated Rental Income
Rental estimate coming soon
We’re not showing a number until we have a data source we trust. When it’s connected, this section will show:
A monthly rent range from nearby leased homes of the same type and size
The leased comparables behind it (signed-in, VOW-gated)
Gross yield at the current list price
Monthly Cost
A quick estimate to plan with. Taxes come from the listing; change the other inputs to match your situation.
Estimated monthly$5,272/mo
Mortgage (principal + interest)$4,863
Property taxFrom listing: $4,902/yr$409
Minimum $104,999 down for this price; the slider moves in whole percent, starting at 9%. Under 20% adds mortgage default insurance. Confirm with a lender.
Mortgage uses Canadian semi-annual compounding. Houses-Gate doesn’t offer financing.
Estimated Budget
About how much cash you’ll need on closing day, besides the mortgage.
Down payment20% of the list price$259,998
Ontario land transfer taxProvincial brackets, no first-time refund$22,475
Legal fees & disbursementsTypical range $1,800–$2,800$1,800
Home inspectionTypical range $500–$800$600
Title insuranceTypical range $300–$600$400
Cash needed at closingEstimate$285,273
First-time buyers can get up to $4,000 back on Ontario land transfer tax. Halton Hills has no municipal land transfer tax (Toronto does).
Uses Ontario’s land transfer tax brackets and the down payment set in Monthly Cost. Legal, inspection and title-insurance figures are typical ranges, not quotes.
Listing data is provided under copyright by the Toronto Regional Real Estate Board (TRREB). The data is deemed reliable but is not guaranteed to be accurate. The trademarks MLS®, Multiple Listing Service®, and the associated logos are owned by the Canadian Real Estate Association (CREA) and identify the quality of services provided by real estate professionals who are members of CREA.
The information provided herein must only be used by consumers that have a bona fide interest in the purchase, sale, or lease of real estate and may not be used for any commercial purpose or any other purpose.
All information deemed reliable but not guaranteed. All properties are subject to prior sale, change, or withdrawal. Neither listing broker(s) nor HousesGate shall be responsible for any typographical errors, misinformation, misprints, and shall be held totally harmless.
