APR 1 - 15, 2017 VOLUME 25, ISSUE 7, FREE
GTA EDITION
A new look more than 8,000 homes in the making. INSIDE THIS ISSUE
SEEING THE LIGHT – OR NOT – WITH WINDOW BLINDS
SAFE & SECURE: HOW TARION PROTECTS YOUR DEPOSIT
BUILDING INDUSTRY CALLS FOR TASK FORCE ON AFFORDABILITY
Great things happen in a GREAT ROOM.
“I had forgotten just how baby, baby steps really are. He’s getting a little faster every day. Though I think tomorrow I’ll bring a lunch.”
As Canada’s largest homebuilder, Mattamy Homes are built for your real life. With thoughtful, spacious designs for even the most active families, a Mattamy home is a home you’ll value for a lifetime.
Find your next home across the GTA at mattamyhomes.com
contents APR 1 – 15, 2017 | VOLUME 25 ISSUE 7
24
ON THE COVER
Geranium celebrates milestone anniversary, new brand
+ online NEIGHBOURHOOD
HOME SEARCH
MORE +PHOTOS +VIDEOS +ADVICE +INSPIRATION +TRENDING
WITH
DYNAMIC MAPS
2 YPNEXTHOME.CA
LOOK FOR THE CIRCLE
property profile
inspiration
14
36
Mattamy Homes
More choice at desired Markham address
30 Arista Homes
Final phase coming to sought-after community
trending
18
Housing Market
Housing sector urges Queen’s Park to take action
Design Secrets
Window blinds... let the light shine in – or not!
advice
10
BILD Report
Innovative townhomes offer consumers affordable options by Bryan Tuckey
30 38
14
Legally Speaking
Why foreign investors love Canadian real estate by Jayson Schwarz
buyers’ resource section
36 12
Tarion Report
How Tarion protects your new home deposit by Howard Bogach
20 Fundamentally Speaking It’s a different kind of spring this year by Wayne Karl
42 Hot Properties
New releases, openings and preview registrations
45 Mortgage Rates 26 Mortgage Advice
5 things to consider before getting a mortgage by Alyssa Furtado
28 Insider Insight
Why the home market is Canada’s best kept secret by Debbie Cosic
in every issue
4
Editor’s Note
6
Contributors
46 What’s Online 47
Advertiser Index APRIL 1 - 15, 2017 | NEW HOME GUIDE 3
Editor’s Note
Prospective buyers, use your voice
WAYNE KARL Senior Editor Yellow Pages NextHome Email: Wayne.Karl@ypnexthome.ca Twitter: @WayneKarl
IF YOU’RE IN THE MARKET for a new home, be it your first or otherwise, you might well be spooked by what’s happening in the GTA. Serious supply constraints in lowrise homes and continuing voracious buyer demand are resulting in rampant price growth. A growing number of voices are weighing in, or more accurately, raising concerns. Home building associations, realty firms and even municipal leaders are increasingly saying such conditions are worrisome and unsustainable. What seems to be missing from this dialogue is the consumer. It is you, prospective or repeat homebuyer, who is most affected by these conditions. Even more so, perhaps – your children. If you don’t understand what’s going on, and the longterm implications, or think those speaking out are skewing discussion to suit their respective cause... you have a powerful voice. Now would be a good time to use it.
ONLINE
SEE MORE PHOTOS ONLINE
Located near downtown Mississauga, Erin Mills is known for average to larger suburban homes, expansive lots and wide streets. Read the full story… ypnexthome.ca/erin-mills
+ get social 4 YPNEXTHOME.CA
Interact with us on social media: ypnexthome
Markham tour o ur
New Release! New Designs!
8
deco mod rated el hom es
FREEHOLD TOWNHOMES AND SINGLE FAMILY HOMES Townhomes starting from the mid
900's
$
AMAZING AMENITIES AT YOUR DOORSTEP • new cornell community centre & library • markham stouffville hospital • new shopping centres & retail shops • excellent public & private schools • parks, playgrounds & woodlots • easy access to 401, 404, 407 & GO transit
cornellrouge.com 905.472.9556 SALES OFFICE LOCATED AT 655 Cornell Centre Boulevard (at 16th Avenue)
Open Monday to Thursday from 1 to 8 p.m. Friday by appointment only Weekends & Holidays from 11 a.m. to 6 p.m. Renderings are artist’s concept. Prices and specifications are subject to change without notice. See sales representatives for details. E & O.E.
MARKHAM
Contributors
BILD REPORT
BRYAN TUCKEY Bryan Tuckey is President and CEO of the Building Industry and Land Development Association (BILD) and can be found on Twitter (twitter.com/bildgta), Facebook (facebook.com/bildgta), Youtube (youtube.com/bildgta) and BILD’s official online blog (bildblogs.ca)
VICE-PRESIDENT & CHIEF PUBLISHING OFFICER
Caroline Andrews PUBLISHER & GENERAL MANAGER
Shawn Woodford DIRECTOR OF SALES, NATIONAL
Moe Lalani ASSOCIATE PUBLISHER
MORTGAGE ADVICE
ALYSSA FURTADO Alyssa Furtado is the Founder and CEO of ratehub.ca, a mortgage rate comparison site that aims to empower Canadians to make smart financial decisions
Anne-Marie Breen SENIOR MANAGER, CONTENT
Jennifer Reynolds EDITOR
Wayne Karl ART DIRECTOR
Tammy Leung
LEGALLY SPEAKING
JAYSON SCHWARZ Jayson Schwarz LL.M. is a Toronto real estate lawyer and partner in the law firm Schwarz Law LLP. He can be reached by visiting schwarzlaw.ca or by email at info@schwarzlaw.ca or phone at 416.486.2040
CONTRIBUTING EDITORS
Sonia Bell Elisa Krovblit Lydia McNutt
SENIOR ACCOUNT EXECUTIVE
Nina Downs nina.downs@ypnexthome.ca SENIOR ACCOUNT EXECUTIVE
DESIGNER ADVICE
Dionne Fraser dionne.fraser@ypnexthome.ca
JANE LOCKHART
DISTRIBUTION & SALES CO-ORDINATOR
Jane lockhart is Founder and Principal Designer of Jane Lockhart Interior Design in Toronto. She can be reached at 416.762.2493. janelockhart.com
NATIONAL CIRCULATION MANAGER
Terry Basset John Jenkins
PRODUCTION MANAGER
Helen Pearce
TARION REPORT
PRODUCTION CO-ORDINATOR
HOWARD BOGACH
Sandra Hanak-Vujnovic
Howard Bogach is President and CEO of Tarion Warranty Corp. His column appears monthly in New Home Guide. For more information about how Tarion helps new-home buyers, visit tarion.com or find us on Facebook at facebook.com/TarionWarrantyCorp.
GRAPHIC DESIGNERS
more online We have even more content online! Read more stories from our team of contributors at ypnexthome.ca, including stories by:
Miguel Cea Mike Terentiev
Published by
#500-401 The West Mall Etobicoke, ON M9C 5J5 T 416.626.4200 F 416.784.5867 ypnexthome.ca
ADVERTISING Call 416.626.4200 for advertising rates
MONEY MATTERS
GAIL VAZ-OXLADE Gail Vaz-Oxlade is the host of Til Debt Do Us Part, author of Debt Free Forever and blogs daily at gailvazoxlade.com. Follow Gail on Twitter at twitter.com/GailVazOxlade
DESIGNER ADVICE
YANIC SIMARD Yanic Simard is the principal designer of the awardwinning Toronto Interior Design Group (tidg.ca), and a regular guest expert on Citytv’s CityLine
6 YPNEXTHOME.CA
and information. CIRCULATION Highly targeted, free distribution system aimed at real estate buyers using street level boxes and racking, plus door-to-door insertions in key audience segments. COPYRIGHT 2017 All rights reserved by Yellow Pages Homes Ltd., Toronto, Ont. Reproduction in any form is prohibited. Contents of this publication are covered by Copyright and offenders will be prosecuted under the law. The views and data expressed by columnists do not necessarily represent those of the publication. TERMS Advertisers, Editorial content are not responsible for typographical errors, mistakes or misprints. All prices are correct as of press time and are subject to change without notice. E. & O. E. EDITORIAL Submissions from interested parties will be considered. Please submit to the editor at wayne.karl@ypnexthome.ca
COMING SOON! 2 & 3 STOREY TOWNHOMES AND BUNGALOW DETACHED HOMES ON 50’ & 55’ LOTS IN THE ESTABLISHED NEIGHBOURHOOD OF GLENWAY.
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APRIL 1 - 15, 2017 | NEW HOME GUIDE 7
Trending
Great Gulf recognized for Best Green Marketing campaign by EnerQuality GREAT GULF Active House Centennial Park was recognized with the Best Green Marketing Campaign by EnerQuality (EQ), Canada’s number one certifier of energy efficient homes, at the recent Housing Innovation Forum in Vaughan. The Forum celebrated industry leaders and innovators who put their ideas into practice. The theme – New, Now and Next – focused on new thinking, new products, and new techniques for advancing green building performance. “It was a pleasure to participate at the Forum and we are delighted to be recognized with this award,” says Great Gulf President Christopher Wein. “We are committed to researching and implementing sustainable technologies and energy efficient innovations, including the use of co-generation, solar, wind ground source and batteries with the goal to significantly reduce the carbon footprint.” Great Gulf’s Centennial Park residence, the first certified Active House in the world, is designed to improve the comfort and well-being of its occupants without negatively impacting the environment. The home is a result of a highly processdriven approach to conscious home building, evaluated against stringent specifications for indoor comfort, energy efficiency and environmental consideration, innovation and design strategies that support Active House Centennial Park holistically, work together in unprecedented harmony resulting in, not only a scientific success, but also an emotional appreciation for healthy sustainable living. 8 YPNEXTHOME.CA
MORE TRENDING ONLINE ypnexthome.ca/news
Great Gulf’s H+ME Technology building science is key to the success of Active House. An advanced indoor automated manufacturing plant allows roof, wall and floor assemblies to be built as integrated panels in a controlled environment. The H+ME Technology facility is supported by construction visualization, prototyping and fabricating technologies that reduce environmental waste and increase energy performance through the manufacture of tight-fitting building components. For more information, visit greatgulf.com
family places, wide open spaces
a new community in holland landing Just north of Newmarket, within easy reach of the GTA, Holland Landing is waiting to be discovered. This charming village offers the best of small town living, just minutes from all the lifestyle amenities of the city, including GO transit and easy highway access. It’s here, where life moves at a more relaxed pace, that we introduce Hillsborough — a vibrant new masterplanned community and a carefully designed collection of detached homes, brought to you by Great Gulf.
36’, 40’ & 45’ detached homes 1,510 - 3,520 sq. ft. Prices and specifications subject to change without notice. E. & O.E. Illustrations are artist’s concept. All square footages are approximate. Actual usable space varies from stated floor area.
greatgulf.com/hillsborough APRIL 1 - 15, 2017 | NEW HOME GUIDE 9
Advice | BILD REPORT
Innovative townhome forms offer consumers affordable new home options By Bryan Tuckey
MORE ADVICE ONLINE ypnexthome.ca/news/advice
ONE WAY THE LAND development and
home building industry is providing consumers with affordable new home options while complying with the province’s intensification requirements is by building innovative forms of townhomes. In recent years, the industry has introduced many varieties of stacked and back-to-back townhomes across the GTA. With these forms of housing, the industry is building gentle density and it is trying to meet the insatiable demand for ground-related housing at an affordable price. Stacked towns are becoming very popular across the GTA. When one unit is stacked on top of another, residents have the advantage of a two-storey house-style layout with the added convenience of a condo. The lower unit typically has a patio or terrace, while the upper unit usually boasts a balcony or rooftop terrace. Back-to-back towns are different than regular row housing, as the backs of each home touches the back of the house behind it. Both types of townhomes help increase choice for consumers whether they are families looking for space to grow, empty nesters who want a more relaxed lifestyle or firsttime buyers looking for an alternative to a condo unit. Innovative townhome developments are taking shape across 10 YPNEXTHOME.CA
the GTA in communities where a decade ago most all of the new development was detached homes. In places such as Stouffville, townhouses now account for a significant proportion of the housing that is under development. For instance, BILD member Geranium Corp. offers a number of different townhome options in its Cardinal Point masterplanned community. Prices for these units started in the mid $400,000s. While back-to-back row housing is common in England, the concept is relatively new to the GTA. With some innovative rethinking of the Victoria-era housing form, several BILD members have brought backto-back and stacked townhomes to the market with great success. Menkes’ Dwell City Towns in Etobicoke, for example, offered back-to-back units of 1,000 to more than 1,600 sq. ft. with starting
prices from $300,000. The 196 open-concept units – boasting patios and rooftop decks – sold out quickly. At Queen’s Landing in East Gwillimbury, Minto is about to launch the second phase of backto-back townhomes after phase one sold out in three hours. These are just a few examples of the numerous gentle density developments that our industry is building as we try and meet the housing needs of the GTA’s evergrowing population in our highly regulated new home market.
Bryan Tuckey is President and CEO of the Building Industry and Land Development Association (BILD) and is a land-use planner who has worked for municipal, regional and provincial governments. He can be found on Twitter (twitter.com/bildgta), Facebook (facebook.com/bildgta) and BILD’s official online blog (bildblogs.ca).
COMING LATE SPRING 2017 REGISTER NOW HILLSBOROUGH’S VILLAGE NORTH – THE IDEAL MASTER-PLANNED COMMUNITY. INSPIRED BY NATURE... BUILT FOR YOU IN HOLLAND LANDING.
Go shopping at Upper Canada Mall and big box stores. Plus, easy access to the new highway 404 extension and the East Gwillimbury GO Station with direct connections to downtown Toronto. SINGLE FAMILY HOMES ON 38’, 40’ AND 45’ LOTS SALES OFFICE LOCATION: 19337 HWY 11, EAST GWILLIMBURY
Register today andrinhomes.com Prices and specifications are subject to change without notice. E. & O.E. Rendering is artist’s concept. APRIL 1 - 15, 2017 | NEW HOME GUIDE 11
Advice | TARION REPORT
How Tarion protects your new home deposit By Howard Bogach
MORE ADVICE ONLINE ypnexthome.ca/news/advice
UNDER ONTARIO’S New Home Warranty, condominium purchasers have deposit protection up to $20,000. They have added protection by virtue that the builder must hold all monies received in trust. While condominium buyers are well protected, there are still instances where a buyer’s deposit money is improperly released from a trust account by a lawyer. Thankfully, this is a rare occurrence, but given that March was Fraud Prevention Month, it is one that merits some discussion. Under the Condominium Act, deposits paid by a buyer as part of the purchase of a condo must be held in trust. These deposits must be held by a satisfactory trustee (usually a lawyer) and cannot be released except in very narrow circumstances (such as when alternative third-party security is given to the purchaser). So, condo purchasers in Ontario have fairly good and reliable protection for their deposits. Short of real negligence or fraud, if the builder becomes insolvent, these deposits will almost certainly be available to reimburse the buyer if the purchase agreement is canceled because of the builder’s inability to complete the project. That said, in very rare circumstances these condominium deposits held in trust can be improperly released by the person entrusted with holding the monies for the buyers. A recent example of this happened in connection with a development 12 YPNEXTHOME.CA
project known by many as Centrium. In that case, most of the deposit money for residential condominium units were deposited with a reputable Toronto law firm. When the project failed, most of the residential unit purchasers had their deposits returned. However, as it turned out, some condo unit deposit money had been given to another lawyer, Meerai Cho, and when the project was canceled, she did not return the residential buyers’ deposits. According to a police news release, Cho was arrested and charged with numerous counts of fraud over $5,000, possession of property obtained by crime over $5,000, and breach of trust. Just recently, she pleaded guilty to one count of criminal breach of trust and was sentenced to 3.5 years in custody. Where loss is due to lawyer fraud, the Law Society of Upper Canada has a compensation fund that can help aggrieved purchasers receive all or
part of their losses. In addition, and as mentioned earlier, the Ontario New Home Warranties Plan Act authorizes payment of up to $20,000 per unit for deposit losses. The upshot is this: if bad actors are prepared to commit criminal fraud, it is very difficult to prevent this from happening. Fortunately, this is a rare circumstance, perhaps because the consequences can be significant, as is the case with Cho. Even in cases of fraud where a purchaser has lost deposit money, buyers should be aware that they can turn to Tarion as the administrator of Ontario’s new home warranty program with questions and as a source of relief. Howard Bogach is President and CEO of Tarion Warranty Corp. His column appears monthly in New Home Guide. For more information about how Tarion helps new-home buyers, visit tarion.com or find us on Facebook at facebook.com/TarionWarrantyCorp.
OUR 25TH ANNIVERSARY COMMUNITIES: CURRENT COMMUNITIES
Is there anything better than being 25?
AFFINITY CONDOMINIUMS ALDERSHOT / BURLINGTON Contemporary Mid-Rise Condos From the low $300’s PLATINUM COLLECTION RANDALL RESIDENCES - OAKVILLE Luxury Condominium Residences From $2 million COMING EARLY 2017 LAKE POINTE - STONEY CREEK Five 60’ Estate Singles From $1.2 million Register at Rosehavenhomes.com ON THE RIDGE - STONEY CREEK Introducing Freehold Towns Register at LiveOnTheRidge.ca TIFFANY HILL - ANCASTER 45’ & 40’ Singles, Semi-detached and Freehold Towns Register at TiffanyHill.ca NEIGHBOURHOODS OF MOUNT PLEASANT - BRAMPTON Returning with Singles and Towns Register at lovemountpleasant.com COMMUNITIES COMING 2017 OAKVILLE - WOODLAND TRAILS Singles & Towns
Actually, it’s just the beginning! This year Rosehaven celebrates our 25th Anniversary and we’re going to make it one of the best years ever. We’ve built homes for over 6,000 families so far, and we’ve won lots of awards doing it. But at 25, we’re just hitting our stride. So wait until you see what we have planned for this year. And the year after. And the year after…
BRAMPTON - MT. PLEASANT Mid-rise Condo BRADFORD - DREAMFIELDS Singles & Towns HOLLAND LANDING ANCHOR WOODS Singles & Towns
Visit RosehavenHomes.com For directions, maps, hours and community information call our hotline
(1-888/416) 410-0175
Prices and specifications correct at press time. Prices quoted are in thousands except for Randall pricing. E. & O.E. APRIL 1 - 15, 2017 | NEW HOME GUIDE 13
Property Profile | MATTAMY HOMES
MATTAMY Brings more choice to Markham’s most desired address MATTAMY HOMES recently announced its return to Cornell, the Markham community it has helped shape over the last 15 years. This time, Mattamy is bringing its second phase of condominiums to the most sought-after neighbourhood in Markham. Mattamy’s latest offering in this very inviting community beautifully marries efficiency of living with a real sense of community. The goal of the Condominiums of Cornell is to bring a new level of modern, urban living to one of the fastest growing areas of the GTA, and these 14 YPNEXTHOME.CA
condos definitely hit the mark. Mattamy has always prided itself on choice, and the Condominiums of Cornell are no exception. An inspiring variety of floorplans, ranging from 725 to 1,302 sq. ft., ensure that homeowners can select just the right suite to accommodate their lifestyle needs. Mattamy has built more than 70,000 homes in hundreds of communities throughout Canada and the United States, earning them the honour of being North America’s largest privately owned home builder. Mattamy has never lost sight
of how it has achieved success. It is based on one objective – to create homes and communities people love to live in. Innovation is part of the story, as Mattamy has introduced ingenious, retractable solarium-style window enclosures in every suite. Further enhancing the flexibility of choice, this European engineered system allows a homeowner to adapt their home’s usage to need, in any season. No condominium is complete without amenities, and if there’s one thing Mattamy knows about condos, it’s including everything a homeowner
needs to fully enjoy their space. Building facilities, including a fitness centre, rooftop barbecue and party room, bring modern urban life to an interconnected community setting. Of course, luxurious standard features abound, such as Mattamy’s signature oversized windows that usher loads of natural light into wide, bright rooms. High ceilings contribute to the open feeling. Upscale kitchens feature granite countertops and breakfast bars, plus sophisticated stainless steel appliances. Mattamy’s extraordinary Design
Studio offers a magnificent array of finishes and features, allowing a homeowner to create a home that adds a personal touch based on needs and tastes. Known for attention to superior customer service, Mattamy also assigns every homeowner their own design studio consultant to provide expert guidance through the wealth of options in colours, textures and styles. Mattamy’s Condominiums of Cornell is opening soon. To be part of this new neighbourhood, please register today at mattamyhomes.com
Location
Markham Builder
Mattamy Homes Development
Condominiums of Cornell Home Type
Condominiums from 725 to 1,302 sq. ft. Contact
mattamyhomes.com
APRIL 1 - 15, 2017 | NEW HOME GUIDE 15
Trending
Housing sector calls on Queen’s Park to take action to address home affordability POPULATION GROWTH and a strong economy in the Greater Toronto and Hamilton Area (GTHA) have created a high demand housing market where housing supply is critically low and home prices are becoming out of reach for many families and first-time home buyers. The Ontario Home Builders’ Association (OHBA) and the Ontario Real Estate Association (OREA) are urging the provincial government to create a housing experts task force to provide ideas for increasing housing supply in Ontario, thus alleviating the growing home affordability challenges facing Ontarians. OHBA and OREA say there are four things the government can do to relieve the underlying housing supply crunch that threatens the dream of homeownership for young families and future generations:
1. Fix the “one size fits all” Growth Plan Instead of a blanket provincial preference for high density, give municipalities more flexibility and create more choice in housing for growing families and empty nesters, such as family homes and townhomes. 2. Improve the planning approvals process With better alignment of municipal and provincial housing priorities, including the requirement for updated zoning around transit corridors, we can get new homes to the market quickly in exactly the places where we want them. 3. Address the “missing middle” of housing supply There is huge opportunity to 16 YPNEXTHOME.CA
MORE TRENDING ONLINE ypnexthome.ca/news
modernize outdated zoning laws and build the “missing middle” of housing supply in existing communities that are connected to transit and closer to jobs. This includes innovative solutions like laneway housing and multi-unit homes, such as townhouses, stacked flats or mid-rise buildings. 4. Target infrastructure to support new housing supply The province should support new housing supply with targeted infrastructure investments to get more housing to the market for consumers. The OHBA and OREA agree that sustainable, long-term solutions are necessary to get to the root of the affordability problem, and it starts with increasing housing supply. Together, they are appealing to the provincial government to take stock of the housing supply problem and work with real estate industry leaders to design solutions that will improve home affordability for all Ontarians. “Ninety-five per cent of Ontario’s new housing supply is built by our industry, and new home prices reflect the market conditions affected by government policy, like municipal and provincial approvals,” says OHBA CEO Joe Vaccaro. “It only makes sense to bring together private sector expertise and government policy makers if we are serious about making homeownership more affordable.” “The Canadian dream of homeownership is at risk in the GTA,” says Tim Hudak, CEO of the OREA. “This is the year for provincial and municipal governments to step up with solutions to ensure the dream of homeownership does not slip away from future generations. The housing supply issue is a real problem, but the solutions exist. We need the government to get real estate experts together on this issue, to hammer out a plan for putting more homes on the market and making home ownership more affordable for young families and first-time buyers.”
PICKERING
TOWNHOMES AND SINGLES
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Located steps from the shores of Lake Ontario by quaint Frenchman’s Bay, launch into a new lifestyle in a familyfriendly village surrounded by beaches, trails, parklands, marina and boardwalk. With both the GO station and the 401 just minutes away for a quick commute to Toronto.
MARKETED BY INTERNATIONAL HOME MARKETING GROUP. MARCH 2017.
APRIL 1 - 15, 2017 | NEW HOME GUIDE 17
Sierra
O MEET OUR HER
“From interacting with the volunteers to the uppermost staff at SickKids, our experience has been positive. That has been a tremendous help as a parent.” – Nicola Put a camera in front of eight-year-old Sierra and she will turn on the charm. This charismatic little girl is as playful and active as any other child her age. You’d be surprised to know she’s a current patient at The Hospital for Sick Children (SickKids). Sierra’s illness was detected early at only two days old when she was brought to SickKids to investigate an irregular connection in the bowel. She was sent home, one month later her parents returned to SickKids Emergency with their infant jaundiced and not digesting food properly. Although she was being fed a lot, Sierra had lost weight since being born. It didn’t take long for doctors to determine the cause of Sierra’s deterioration and she was diagnosed with Cystic Fibrosis (CF). CF is a genetic disease that mainly affects the lungs and digestive system. Fortunately for Sierra, it has predominantly affected the digestive system, which is easier
18 YPNEXTHOME.CA
to manage than the lungs. Since her diagnosis, she has taken enzymes at mealtimes to help with digestion and undergoes daily physiotherapy to prevent her lungs from building up with mucus. Since Sierra is very active, her parents have become creative with her physio by incorporating it into her daily activities. For example, 10 minutes bouncing on the trampoline might be followed by five minutes of breathing exercises. This doesn’t hold Sierra back from being active. She does gymnastics, swimming, soccer, art classes and made it to ‘divisionals’ for cross country. Her mom says she can’t sit still. Sierra’s condition has also encouraged her parents and family members to become involved in fundraising activities to support CF research and SickKids. As she grows older, Sierra is becoming more actively involved in her own treatment. Her parents feel lucky to have SickKids in their lives to guide them through their ups and downs.
1
Why SickKids?
SickKids is on the frontlines in the battle against Cystic Fibrosis. Since our researchers discovered the gene responsible in 1989, life expectancy for CF patients has doubled. We may have dealt a serious blow, but we won’t stop fighting until CF lives on only in history books.
2
SickKids pioneers new possibilities for treatments and cures. 2,000 research staff make advances every day that bring new hope to children and theirfamilies.
3
SickKids is Canada’s leading centre dedicated to improving children’s health and home to Canada’s largest, hospital-based child health research institute.
Builders Helping to Heal
Yellow Pages NextHome, the publisher of New Home Guide, New Home & Condo Guide and New Condo Guide, is teaming up with builders and their suppliers to help raise money for SickKids. The following companies have contributed generously to help give children the world-class care they deserve. These pages honour these special people, and we thank them for their generous support. Builders Helping to Heal and Friends of the Industry are Yellow Pages NextHome initiatives stemming from SickKids
Leaders, a program at SickKids which draws on the support of more than 150 volunteers over 30 industry sectors. Again, we thank our generous sponsors and appreciate their ongoing commitment. These companies not only build housing, but they support the families in the communities in which they build. Readers looking to support SickKids can go to www.sickkidsleaders.com
PLATINUM SPONSORS
spallaccihomes.com
GOLD SPONSORS
bazis.ca
mattamyhomes.com
madisongroup.ca
SILVER SPONSORS
starlanehomes.com
APRIL 1 - 15, 2017 | NEW HOME GUIDE 19
Advice | FUNDAMENTALLY SPEAKING
It’s a different kind of spring this year By Wayne Karl
MORE ADVICE ONLINE ypnexthome.ca/news/advice
SPRING HAS SPRUNG, and while it’s
normally an occasion to celebrate, with days growing longer, weather getting warmer and real estate heading into busy season, everything feels a little different this year. At time of writing, literally the first day of spring, Canada’s real estate markets were dealing with a myriad of issues. In Ontario, it’s an acute supply shortage, skyrocketing prices and a resulting affordability crisis. In BC, a compositional shift towards softer sales and slowing price growth. In Alberta, it’s all about recovery, as the province and housing sectors claw their way out of two or three years of economic quagmire. Other provinces are dealing with their own economic- and marketspecific challenges and opportunities. Against this backdrop, add the delicate and often confusing issue of policy. In Ontario, for example, the provincial government is facing hard lobbying from multiple sources – chief among them the Ontario Home Builders’ Association, Ontario Real Estate Association, and the Building Industry and Land Development Association – to, in short, make more land available on which to build lowrise homes. And to speed up the approvals process. The Canadian Home Builders’ Association (CHBA) is also growing more vocal. In early March, it released an in-depth analysis of key factors underlying housing market conditions. The Housing Supply Deficit – Not Enough Homes for Families with Young Children, 20 YPNEXTHOME.CA
points to a significant and growing mismatch between housing demand and what the residential construction industry is able to supply, given planning and zoning patterns and lack of available serviced land. The report notes that if current trends continue, Canada will see a shortfall of 300,000 family-oriented homes over the next decade. “There has been a lot of commentary around what’s driving house prices in markets like Vancouver and the GTA,” says CHBA CEO Kevin Lee. “Much of this overlooks the fundamental factors of supply and demand, and the increasing number of young families trying to achieve homeownership.” In Toronto, having seen how effective a foreign buyers’ tax in Vancouver was to cooling a potentially overheating market there, the City is considering taking similar action. Something… anything might be better than to let double-digit price growth continue unchecked, proponents say.
But, critics argue, slapping a tax on foreign purchases is short-sighted and will do nothing to facilitate a long-term solution to increase the supply of new homes. If all of this wasn’t complex enough, add the prospect of the National Housing Strategy. Due out at some point this year, this federal initiative will attempt to address the varied and challenging issues, involving differing provincial and regional economies, housing markets and conditions, from affordable housing to rental markets to homeownership. Until then, we look to the 2017 Federal Budget on March 22 to see what, if anything, Ottawa will include to begin tackling some of these challenges. Wayne Karl is an award-winning writer and editor with experience in real estate and business. In Fundamentally Speaking, Wayne explores the basics – such as economic fundamentals – you need to examine when buying property. He can be reached at wayne.karl@ypnexthome.ca or follow him on Twitter at Twitter.com/ WayneKarl
NEW RELEASE OF 40', 50’ & 60' LOTS COMING THIS MAY TO INNISFIL
A fabulous new selection of home designs available
REGISTER NOW There is a place where architectural elegance blends seamlessly with peaceful, natural wooded surroundings. Where the shimmering shores of Lake Simcoe are just a short stroll away – the perfect setting for upscale family living. Expansive, open concept designer interiors featuring spacious, gourmet kitchens, gleaming hardwood floors and gorgeous, modern master baths. Inspired, exceptional living – only for those who act now.
BallymoreHomes.com Rendering is artist’s concept. Prices and specifications are subject to change without notice. E. & O. E.
APRIL 1 - 15, 2017 | NEW HOME GUIDE 21
22 YPNEXTHOME.CA
Building Homes for Generations Since 1977, we’ve been building communities and homes for families, just like yours. In 2017, we’re celebrating our 40th Anniversary with a promise to continue our tradition of responsible community planning and development, and a vision to ensure our designs and neighbourhoods are conceived with innovation, quality and enduring value. From the ground up. Thank you to the thousands of families who have chosen a Geranium home, many of whom are repeat buyers, for your trust and support. We are Geranium.
geranium.com
APRIL 1 - 15, 2017 | NEW HOME GUIDE 23
Property Profile | GERANIUM
cover story
Geranium celebrates a milestone anniversary, new brand and special year of sharing TIME FLIES when you’re dedicated to building excellent new homes and communities across southern Ontario. Geranium knows better than anyone, as 2017 marks the company’s 40th year in the industry. Hot off the heels of its highest annual sales volume in 2016, this year promises to be just as successful. The timing is right for the company’s bold new brand – Geranium – an amalgamation of Geranium Corp. and Geranium Homes. “Prior to this, one division represented land development and the other home building,” explains President Boaz Feiner. “With this many years of experience, and understanding the synergy of land 24 YPNEXTHOME.CA
and building, we feel that ‘Geranium’ more accurately represents us. “In celebration of our ongoing success and our new brand, we’ve introduced the 40 Years of Giving program. For each Geranium home purchased in 2017, we will donate $150 in the name of the homebuyer to a charity of their choice, from one of 12 pre-selected organizations.” Award-winning Geranium has compiled a portfolio of land holdings and completed master-planned communities, with more than 8,000 homes built. Geranium’s new tagline, “From the ground up,” sums up the firm’s vision and values. “This track record is the result of the hard work of our tradespeople,
suppliers, supporters, consultants and partners,” Feiner says. “Our corporate philosophy includes a commitment to responsible development that is sensitive to the environment and our homeowners’ future. We plan and design communities that nurture quality of life.” Geranium is led by a knowledgeable, professional executive team that is dedicated to continuing the legacy established over the past 40 years. Currently, Geranium offers several superb communities for sale and coming in the near future. Now under construction, Pace on Main is Geranium’s midrise condominium on Stouffville’s quaint Main Street in the heart of the town
“In celebration of our ongoing success and our new brand, we’ve introduced the 40 Years of Giving program.”
and next to the GO station. Geranium has just released an exclusive collection of two-storey condo towns from 1,610 to 1,779 sq. ft. in size, all with direct street and building amenity access. As well, a handful of stunning two-bedroom condominium suites remains, with prices starting from $499,900, including parking. Vista Flats & Towns is the final phase in The Neighbourhoods of
Cardinal Point, Geranium’s awardwinning community in the Town of Whitchurch-Stouffville. Vista offers innovative condominium onestorey flats and two-storey towns. Groundbreaking is slated to begin this summer. Only a few homes remain. In Scarborough, Twelve on the Ravine is a collection of 12 detached homes on deep lots backing onto the scenic Highland Creek ravine. The
four- or five-bedroom designs feature deluxe interior finishes. TTC is at the door. Prices begin from more than $1.7 million. Pickering will soon be home to Edgewood, where Geranium will offer 21 detached homes in an established neighbourhood bordered by woodland and close to Hwy. 401 and Pickering Town Centre. Register today. Later this year, Geranium will launch the first phase of a masterplanned community in Aurora, in an established neighbourhood steps to Yonge Street. The homes will grace 50- and 60-ft. lots. For more information on this highly successful, forward-thinking company, visit the new website geranium.com. You can also stay in touch with Geranium via Twitter, Facebook and Instagram. APRIL 1 - 15, 2017 | NEW HOME GUIDE 25
Advice | MORTGAGE ADVICE
5 things to consider before getting a mortgage By Alyssa Furtado
MORE ADVICE ONLINE ypnexthome.ca/news/advice
SEARCHING FOR a new home is exciting. But with so many things to consider, the process can quickly become overwhelming. Here are five things to consider before you get a mortgage.
Can you afford to buy a home? The first thing to consider is how much you’re willing to to spend on a home. Lenders will use a formula to determine how much they’ll loan you. The first one, called the gross debt service (GDS) ratio, suggests that potential housing costs, including mortgage payments, taxes and utilities, should not exceed 32 per cent of monthly income before taxes. The total debt service (TDS) ratio, which adds lines of credit, car and credit card payments on top of your housing expenses, shouldn’t exceed 40 per cent of your income. What is the term? Lenders provide mortgages over a specified period of time, known as the term. While the most common term is five years, they can range from as little as six months to 10 years. Once the term is up, you can renew or renegotiate your mortgage with your lender or shop around for a better rate. A shorter one- or three-year term can provide flexibility as market conditions and interest rates change. Fixed or variable rate? A fixed-rate mortgage guarantees that the interest rate stays the same over 26 YPNEXTHOME.CA
the mortgage term. Knowing exactly how much to pay over a defined period is less stressful and can be easier to incorporate into a budget. The interest rate on a variablerate mortgage, on the other hand, fluctuates depending on a bank’s prime lending rate. As interest rates change over the the term, the amount of your payment that goes towards interest will rise or fall. If you have an adjustable payment, the amount will change if interest rates increase or decrease. While the interest rate on a variable-rate mortgage is generally lower than a fixed-rate mortgage, there’s a risk that rates could rise. How long do you want to make payments? The time it takes to pay off the entire mortgage is called the amortization period. In some cases, these extend to more than 30 years but are capped at 25 years for buyers with down payments of less than 20 per cent. Longer amortizations result in lower payments until the entire balance is paid off. While this might seem attractive, it also means you’ll pay more interest over time. Shorter amortizations have the opposite effect.
How often do you want to make payments? There are several payment schedules to choose from – monthly, semimonthly, biweekly, accelerated biweekly, weekly or accelerated weekly. If you’re looking to pay off your mortgage quickly, more frequent payments can save on interest. If you choose to make accelerated payments, you’ll make the equivalent of one additional monthly payment a year. This can shave years off the amortization. The bottom line It can be easy to get caught up in the excitement of homeownership, but such a large debt shouldn’t be taken lightly. Shop around and compare rates, and weigh the different options. Finding an affordable home coupled the right term, interest rate, amortization and payment frequency will help you save on interest and pay off the mortgage sooner. Alyssa Furtado is founder and CEO of RateHub.ca, a website that compares mortgage rates, credit cards, deposit rates, and insurance with the goal to empower Canadians to search smarter and save money.
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Advice | INSIDER INSIGHT
Why the new home and condo market is Canada’s best-kept secret By Debbie Cosic
MORE ADVICE ONLINE ypnexthome.ca/news/advice
WHEN IT COMES TO the business of housing and ensuring that people get the biggest bang for their buck, I believe that Canadian developers and builders do it best. The funny thing is, the new home and condo market is Canada’s best-kept secret – even to most Canadians! Many Canadians don’t realize the opportunities and advantages that exist on their home turf, and when shopping for a home or condominium, they will often skip over this market completely. Meanwhile, international home shoppers zero-in on our market for many reasons. Having studied many housing markets in the U.S. and Europe with other industry experts, we always conclude that the Canadian new home and condo market is far superior in many respects – particularly when it comes to the quality, selection, protection and value we offer here. When we talk to other home-building professionals abroad, we often find they want to come to Canada to learn more about our strategies and tactics. Some often do, and become more competitive in their own markets as a result. In New York City for example, where the condo market attracts people from all over the globe, it’s not unusual to find that luxury condo developers will offer only one standard kitchen and one set of design and decor options to its clientele. In fact, buyers will often ask 28 YPNEXTHOME.CA
the builder to skip the installation of the kitchen because the standard is not to their liking. Imagine if a luxury builder down the street decided to offer more than one option of kitchen? Or if that builder had an interior designer and decor centre on site that offered help with selecting their kitchen’s finishes and features at no extra charge, like we do in Canada? Talk about a competitive advantage. Customers in NYC will often bring in their own designers, adding to the time and cost, and creating unnecessary construction chaos for other residents in the building after they move in. In Canada, the selection of a new home or condo’s finishes, fixtures and cabinetry is incredible and on-trend. Builders offer a vast selection of standard finishes and upgrades. They keep up with design trends by ensuring that they have professional decor centres that are staffed with highly skilled design managers to help buyers with their selections before construction even begins. The process is efficient, and the end result is a buyer who is happy and confident with their choices.
On the financial side of the business, Canadians have the advantage of a highly regulated mortgage industry through Canada Mortgage and Housing Corp. A mortgage insurance protection program is mandatory in Canada for down payments between five and 19.99 per cent. In fact, five per cent is the minimum amount you can put down on a home in Canada. This is our secret weapon to help protect the financial stability of our housing market across the country. This insurance protects lenders, in the event that a borrower stops making payments and defaults on their mortgage. For Canadians, it gives us an opportunity to get into the housing marketing with as little as five per cent down. Although some people may argue we don’t need such protections, historically our housing market has been stable, and our booms and busts are not as severe or as long-term as those we’ve seen south of the border. There you have it – some of the home turf advantages and secrets of Canada’s hot real estate market. I will be exploring more about Canada’s exciting new home and condo market in the future. If there’s something specific you’d like to ask, reach out to the editor and we’ll address the issues. Debbie Cosic, CEO and founder of In2ition Realty, has worked in all facets of the real estate industry for over 25 years. She has sold and overseen the sales of more than $15 billion worth of real estate. With Debbie at its helm, In2ition has become one of the fastestgrowing and most innovative new home and condo sales companies. In2ition has received numerous awards from the Building Industry and Land Development Association and the National Association of Home Builders.
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APRIL 1 - 15, 2017 | NEW HOME GUIDE 29
Property Profile | ARISTA HOMES
Boxgrove Village Final phase of one of Markham’s most sought-after new townhome communities set to open March 25 Location
Markham Builder
Arista Homes Development
Boxgrove Village Home Type
Freehold townhomes Sales Centre
110 Copper Creek Dr. Contact
boxgrovevillage.com
30 YPNEXTHOME.CA
FOLLOWING THE UNPRECEDENTED success
of its first two phases, Arista Homes will now release its much-anticipated third and final phase of Boxgrove Village, Markham’s most innovative freehold townhome community. The community of choice for discerning homebuyers, Boxgrove Village is an exclusive enclave of 25-ft. live/work and traditional freehold 25-ft. townhomes that have proven to be unparalleled in the city of Markham. Offering a vast array of unique design choices and layouts, Boxgrove Village will feature an extraordinary collection of familysized freehold townhomes ranging in size from 1,682 to 2,365 sq. ft., priced from the
upper $900’s. Offering the ultimate in modern sophistication, the new towns will feature expansive threeand four-bedroom layouts, luxurious features and finishes, open-concept floorplans, attached single or double car garages and spacious backyards. Not to be outdone, the Boxgrove live/work townhomes offer the opportunity to combine your livelihood with all the comforts of modern living. Priced from $1.5 million and ranging in size from 3,492 to 4,000 sq. ft., the new live/work residences will offer
Offering a vast array of unique design choices and layouts, Boxgrove Village will feature an extraordinary collection of family-sized freehold townhomes... unparalleled three-storey designs, spacious four-bedroom layouts, large outdoor balcony or terrace spaces and attached double car garages. Included in the selection is the meticulously designed Briarwood live/ work townhome. A great investment opportunity, the Briarwood offers two separate living units plus a convenient flex space to work in ideal for any growing family, business owner and investor. Located just east of Ninth Line and 14th Avenue, the Boxgrove neighbourhood is replete with an
array of social and recreational amenities, including access to the 63 km of Rouge River Trail System, the Milne Dam Conservation Park and the Markham Centennial Community Centre. Residents will also enjoy world-class golf courses, excellent shopping and delicious local cuisine. For growing families, the city of Markham is also home to some of the best ranking elementary and high schools in York Region. In proximity to major Hwys. 404 and 407, with direct access to the YRT/VIVA and GO Transit Systems,
Boxgrove Village will provide residents with easy access to all points throughout the GTA. Our final release is the last and best opportunity to own at Markham’s most successful new townhome community. The final phase of Boxgrove Village will be released on Saturday, March 25 and Sunday, March 26 at the Boxgrove Village Presentation Centre located at 110 Copper Creek Dr. in Markham. For more information, register today at boxgrovevillage.com APRIL 1 - 15, 2017 | NEW HOME GUIDE 31
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Shift your swing a little to the west. Wake up to pristine green fairways that colour the view from your bedroom windows. Tee off early, grab a bite with new friends, and do it all again tomorrow. Welcome to the RiverBend life. Make the move west to London and enjoy new home savings worth smiling about. Award-winning one floor homes from the mid $300s. • Private Gated Community • 18 hole Championship Golf Course • Active Clubhouse
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Inspiration | DESIGN SECRETS
BLINDS: SEEING THE LIGHT… OR NOT! By Jane Lockhart
THE TOPIC OF BLINDS (hey, stop
snoring!) may not sound exciting, but window coverings and blinds, in particular, are an important part of the function and decor of our homes. Blinds may not be sexy, animated or extreme but they are exciting. We’ve been covering our windows for centuries. Before the 1600s, tapestries were used to cover both walls and windows to maintain heat within and to limit dampness in stone castles or palaces. Interior window shutters were used later through the 1700s, paired with glamorous drapery – again, not really for privacy but to maintain heat inside. 36 YPNEXTHOME.CA
Glass windows as we know them today are a relatively new invention, and having natural light within homes wasn’t really a “thing” until Victorian times with the popularity of architectural structures such as the Crystal Palace at London’s World Fair. From this the idea of having a lot of windows took off, as did the need for privacy from the teeming streets of burgeoning industrial cities. But maybe history holds no interest for you as far as it relates to blinds, so let’s get personal. Remember that first apartment you rented that had no blinds at all? To avoid your creepy neighbor, you either ended up
covering the window with garbage bags, or yes, even the Canadian Flag. See? You notice blinds when you don’t have them. So, here is a quick, blind checklist of what to look for, depending on what window you need to cover. I can promise you that every option has personality and will contribute to your space. For large windows in condos where you need sun and UV reduction, consider roller screens. These are modern and slick and come in lots of colours. For more texture on a window or to warm up the feel of a room, select a Mandalay style or
Silhouette by Hunter Douglas. It features horizontal veins or lines within the blind mixed with a sheer fabric. These veins move like a shutter, but the look is much lighter. Blackout blinds do exactly what the name implies: no light can penetrate their surface. This is good in bedrooms where darkness is required at any time of day. Matchstick or bamboo blinds are made of thin wood or woven grasses and add texture to the blind and can add pattern to a room. Shutters are still popular and make an excellent choice in bathrooms or places that you want good privacy and easy operation. An alternative to shutters is wood slat blinds. They look like shutters, only they are operated on a pull string. Less durable than shutters, these blinds are cost effective. Still not convinced? Check out a few websites such as merablinds.com, alluredecor.ca or hunterdouglas.ca to see how blinds can add to the look and comfort of a room. And this is the mastery of blinds: They provide that elusive concept of comfort by altering heat and light, texture and sound. All this in one simple product, and yet we don’t celebrate the simplicity and power of the blind. Fascinating, right? Now the next time your home is baking in the hot sun and you wonder why your electrical bill is so high, maybe you will reach for the blind rather than the thermostat.
Jane Lockhart is founder and principal designer of Jane Lockhart Interior Design. She was creative director and host of W Network’s top-ranked show, Colour Confidential, and has a Canadian-built furniture collection, Jane by Jane Lockhart, by Statum Designs. Visit online at janelockhart.com
APRIL 1 - 15, 2017 | NEW HOME GUIDE 37
Advice | LEGALLY SPEAKING
Why foreign investors love Canadian real estate Real estate brokers For those wishing to buy or sell property, a qualified real estate broker is essential. Brokers are subject to special regulation in Canada. In Ontario, the Real Estate Council of Ontario is responsible for regulating real estate and administering brokers. A broker can assist in identifying a target for acquisition, preparing offers and negotiating the deal. A qualified broker has access to one of the best multiple listing services in the world to help identify the right property for clients.
By Jayson Schwarz
MORE ADVICE ONLINE ypnexthome.ca/news/advice
TORONTO IS ONE OF the “hottest”
cities in the world among the rich and famous looking to purchase real estate. Several surveys indicate the luxury housing market here is seeing surges in purchases from so-called “high-net worth” individuals. What do you need to know about purchasing property in Toronto? First and foremost, there is no restriction on foreign individuals purchasing property in Canada, unless it affects national interest. Let’s take a look: Tax treaties Depending on your country of residence, there may be an international tax treaty in place with Canada. In this case, there will be provisions governing the effect of income earned on rental and sale proceeds of property in Canada. This translates to withholding tax and other questions, and allows you to avoid double taxation. This also allows you and your advisers to properly plan and structure your transaction. Legal structures These are the legal structures available to foreign investors in Canada: » Real Estate Investment Trust – a trust established to consolidate capital for the purpose of real estate investment 38 YPNEXTHOME.CA
» Joint Venture – these are advantageous due to flexibility in allowing for varied and nonproportionate sharing of profits » Partnership, Limited Partnership » Corporation » Personal Ownership Being taxed in Ontario There are talks of a possible foreign buyer tax like the one implemented in BC last year, but let’s not worry about that yet. Currently, a purchase of new residential property in Ontario is subject to 13-per-cent HST. Rebates are available for resident Canadians who occupy it or rent it out. Non-residents may not qualify so get professional advice. The purchase of new residential property in Toronto is also subject to LTT from two levels of government, municipal and provincial. Outside of Toronto, only the provincial LTT is payable.
UK investors, for example… Tax treaties between Canada and the UK make Canada an attractive investment prospect for real estate developers. Double taxation treaties mean that, subject to certain criteria, investors will not be taxed on income gained in one of the contracting states. If tax rates are different in the two countries, you get credit for tax paid, and an adjustment if the tax in your home country is less than where you are earning the income. A company resident in Canada which receives income from interest, royalties, pensions or purchased annuities from UK sources may be able to apply for relief from UK tax and vice versa. With the benefit of double taxation treaties, real estate development companies can take advantage of the booming real estate market in Canada. Jayson Schwarz LL.M. is a Toronto real estate lawyer and partner in the law firm Schwarz Law LLP. Visit schwarzlaw.ca or email info@schwarzlaw.ca and give us your questions, concerns, critiques and quandaries.
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APRIL 1 - 15, 2017 | NEW HOME GUIDE 39
e-NEWS!
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This 3,448 sq. ft. Bazille model home is a spectacular luxury residence with an additional 1,500 sq. ft. of finished lower level. Elegantly appointed by an expert interior design team, you can find endless inspirations for your new Fieldgate home. Kleinburg, Ontario
APRIL 2017
Hot Properties
Find your next home! This page features a few of the latest properties to keep your eye on in the Toronto area. Find more properties at ypnexthome.ca
LATEST LISTINGS
ON THE RIDGE CONDOMINIUMS OF CORNELL
By: Rosehaven Homes & Homes by DeSantis City: Stoney Creek Housing type: Freehold townhomes liveontheridge.ca
GLENWAY By: Andrin Homes & Lakview Homes City: Newmarket Housing type: Two- and three-storey townhomes and bungalow detached homes on 50- and 55-ft lots glenwaylivingcom
JACKSON SQUARE By: Gold Park Homes City: Maple Housing type: Townhomes goldparkhomes.com
SUMMIT CITY CENTRE By: Summitview Homes City: Mississauga Housing type: Urban townhomes summitviewhomes.com
TAZZO TOWNES
preview registration TWELVE ON THE RAVINE By: Geranium Homes City: Highland Creek Housing type: Condominium one-storey flats and two-storey towns from the low $400’s 12ontheravine.com
FRENCHMAN’S BAY By: Madison Group City: Pickering Housing type: Townhomes and singles primonthomes.com
THE VILLAGES OF KILLARNEY BEACH By: Ballymore Homes City: Innisfil Housing type: New release of 40-, 50- and 60-ft. lots ballymorehomes.com
RADIANCE By: DIAM Developments City: Innisfil Housing type: Townhomes with up to five bedrooms from the mid $400’s radianceinnisfil.ca
CONDOMINIUMS OF CORNELL By: Mattamy Homes City: Markham Housing type: Condominium suites from 725 to 1,302 sq. ft. mattamyhomes.com
MADISON LANE By: Reid’s Heritage Homes City: Bowmanville Housing type: Urban luxury condos from 650 to 1,200 sq. ft. madisonlanecondos.com
HILLSBOROUGH By: Andrin Homes City: Holland Landing Housing type: 38-, 40- and 45-ft. detached homes in a master-planned community andrinhomes.com
By: Marlin Spring Developments City: Markham Housing type: Elegant townhomes at 16th Avenue and McCowan Road tazzotownes.com
TIMBERLANE By: Brookfield Residential City: Aurora Housing type: Limited release of 56 estate homes in a gated community setting auroratimberlane.ca
HILLSBOROUGH By: Great Gulf City: Holland Landing Housing type: 36-, 40- and 45-ft. detached homes on Hwy. 7, north of Davis Drive greatgulf.com
GEORGIAN SANDS By: Elm developments City: Wasaga Beach Housing type: towns and singles starting from the high $230’s georgiansands.com
…continued on page 44 42 YPNEXTHOME.CA
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LATEST LISTINGS
Find your next home! Find more properties at ypnexthome.ca
…continued from page 42
VALLEYLANDS
QUEEN’S COMMON By: Mattamy Homes City: Whitby Housing type: Detached and townhome designs mattamyhomes.com
VICTORY HEIGHTS By: Treasure Hill Homes City: Vaughan Housing type: 40- and 42-ft. luxury singles at Eagles Landing Road and Dufferin Street treasurehill.com
CITYLUX TOWNS By: Fieldgate Homes City: Thornhill Housing type: Register for a new release of urban townhomes in Thornhill Woods fieldgatehomes.com
BOXGROVE VILLAGE By: Arista Homes City: Markham Housing type: Family sized freehold townhomes and live/work towns boxgrovevillage.com
REAL TOWNS By: Madison Homes City: Thornhill Housing type: Townhomes starting from $1 million madisonhomes.ca
SEATON TAUNTON By: Mattamy Homes City: Pickering Housing type: Affordable townhomes alongside greenspaces and other amenities mattamyhomes.com
THE LOGGIAS IN RICHDALE By: Senator Homes City: Richmond Hill Housing type: Luxurious 40-, 50- and 60-ft. detached homes on deep lots senatorhomes.com
TWELVE ON THE RAVINE By: Geranium Homes City: Scarborough Housing type: 12 two-storey homes on 43-ft. lots that back onto Highland Creek ravine geraniumhomes.com
DOWNSVIEW PARK By: Stafford Homes City: Toronto Housing type: Three- or four-storey townhomes staffordhomes.ca 44 YPNEXTHOME.CA
TIFFANY HILL
VILLAGE GREEN
By: Rosehaven Homes City: Ancaster Housing type: Freehold towns, semis and detached homes tiffanyhill.ca
By: Averton City: Mount Albert Housing type: Family-size townhomes with up to three bedrooms from the high $500’s averton.ca
TIME
new openings AFFINITY CONDOMINIUMS By: Rosehaven Homes City: Burlington Housing type: Contemporary midrise condos from the low $300’s rosehavenhomes.com
CHELSEA MAPLE STATION By: Aspen Ridge Homes City: Vaughan Housing type: Stylish modern townhomes across from the Maple GO aspenridgehomes.com
NEWTOWNS AT MOUNT PLEASANT By: Primont Homes City: Brampton Housing type: Final phase of masterplanned community of townhomes primonthomes.com
By: Treasure Hill Homes City: Aurora Housing type: Urban towns from the high $599,900 and up to 1,500 sq. ft. treasurehill.com
KLEINBURG SUMMIT By: Mattamy Homes City: Vaughan Housing type: New 60-ft. home designs plus townhomes and 30-, 40- and 50-ft. homes mattamyhomes.com
new releases VALLEYLANDS By: Fieldgate Homes City: Brampton Housing type: 38-, 41- and 50-ft. singles from the $900’s fieldgatehomes.com
VISTA By: Geranium Homes City: Stouffville Housing type: Condominium one-storey flats and two-storey towns from the low $400’s vistaflatsandtowns.com
Builders If you would like to include your preview registration, new release or site opening in this feature, just email the details to wayne.karl@ypnexthome.ca
Homebuyers’ Help
Compare mortgage rates for your best deal CHARTERED BANKS
variable
ATB Financial
2.2
Alterna Bank
2.25
Bank of Montreal
2.6
Bank of Nova Scotia
2.9
CIBC
2.7
6 months
1 year
2 years
3 years
4 years
5 years
4.1 4.10op 4 6.30op
3.04 4.10op 2.79 6.30op 3.09 6.95op 3.29 6.50op 2.84 6.35op 3.14 3.14 6.35op 2.64 3 3.20op 3.14 6.70op
2.39 4.10op 2.74
2.64
2.69
2.79
2.64
2.65
2.68
3.19
3.59
4.09
2.89
3.09
3.39
3.89
4.64
2.79
2.69
4.09
4.79
3.04 2.15
3.65 3.39
4.39 4.09
4.64 2.35
2.64 2.94
2.64 2.84
3.19 2.94
3.29 2.99
3.04
3.39
2.74
2.79
2.79 2.39
3.34 2.64
3.99 2.74
4.44 2.79
2.84
3.44
2.69
2.89
3.24
3.49
3.69
3.79
6.95op 4.55 6.45op 6.95op
Equitable Bank HSBC Bank Canada
2.35
ICICI Bank Canada Manulife Bank
2.75 2.7
National Bank
n/a
President’s Choice Finan Royal Bank
2.7 2.7
TD Canada Trust
2.6
Tangerine
2.7
4.45 6.20op 4.45 4.4 6.70op
7.00op
2.99 7.00op 3.04 4.00op 3.19
TRUST COMPANIES Community Trust Effort Trust
n/a n/a
Home Trust Investors Group Trust
2.35 n/a
MTCC
2.9
6.5 4.45 6.30op 3.95 4.2 6.50op 4.55 6.45op
3.14 3.35 6.30op 2.69 3.14 6.30op 3.29 6.50op
3.25 3.5
3.95 3.7
4.39 4.3
4.64 4.35
2.14 3.09
2.59 3.39
2.74 3.89
2.84 2.84
3.09
3.39
3.89
4.64
4 6.30op 6.2 6.40op 3.1 4.25 6.50op
2.79 6.30op 2.84 6.30op 2.64 2.89 6.50op 3.25 6.25op 2.84 6.30op 3.14 2.8 2.95op 2.39
2.74
2.64
2.84
2.74
2.89
2.95
2.99
2.89
2.64 2.99
2.64 2.99
2.84 3.1
2.89 3.14
3.2
3.65
4
4.5
2.79
3.39
3.89
2.69
3.04 2.85
3.15 2.95
3.89 3.05
3.89 3.15
2.39
2.49
2.59
2.69
OTHER FINANCIAL INSTITUTIONS Alterna Savings
2.28
Comtech Fire C.U.
2.6
First National Fin. LP IC Savings
2.7
Luminus Financial
3.25
Meridian Credit Union
2.3
PACE Savings & C.U. Parama Credit Union
2.65
Steinbach Credit Union
2.25
5.05
ONLINE CALCULATOR ypnexthome.ca/mortgage-calculator Notes: **Interest rate charged subject to adjustment during term mortgage. Please consult institution for term of years available. All rates are prime rates and subject to change without notice. R.O.R. RATES ON REQUEST op OPEN ----- NOT QUOTING N/A NOT AVAILABLE Mar 13, 2017. Prepared By Fiscal Agents Financial Information Services 905.844.7700
APRIL 1 - 15, 2017 | NEW HOME GUIDE 45
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projects & communities MAP LISTINGS IN THIS ISSUE PAGE BUILDER SITE
CONTACT INFO
continued from page 48 PROPERTY TYPE
PIN
MAP FINDER
C
Reid’s Heritage Homes
Madison Lane
madisonlanecondos.com
Andrin Homes
Hillsborough Holland Landing
andrinhomes.com
Ballymore Homes
Mill Street Village
millstreethomes.com
Ballymore Homes
The Villages of Killarney Beach
ballymorehomes.com
Briarwood Homes
Mill Street Village
millstreethomes.com
Briarwood Homes
Pretty River Collingwood
1-888-257-1999
29
Diam Developments
Radiance
radianceinnisfil.ca
9
Great Gulf
Hillsborough Holland Landing
greatgulf.com/hillsborough
Great Gulf
Sharon Village
905-478-7362
Great Gulf
Summerlyn Village
905-775-3461
Mattamy Homes
The Estates of King Township
mattamyhomes.com
Rosehaven Homes
Anchorwoods Holland Landing
anchorwoods.ca
Great Gulf
Trafalgar Landing
905-844-1605
Great Gulf
Westfield
905-866-6876
D
Mattamy Homes
Hawthorne South Village
mattamyhomes.com
D
Mattamy Homes
Mount Pleasant North
mattamyhomes.com
Mattamy Homes
Mount Pleasant Village
mattamyhomes.com
Mattamy Homes
River Mill
mattamyhomes.com
Mattamy Homes
The Preserve
mattamyhomes.com
Mattamy Homes
Topper Woods
mattamyhomes.com
T
Mattamy Homes
Wildflowers
mattamyhomes.com
T
Sifton Properties Ltd.
Riverbend
519-657-4333
27
PRICE RANGE
North 11
21
D
from $820,000
51
18E
S
T
from $560,000
20
12E
S
T
from $560,000
20
12E
51
18E
from $600,000
65
20E
from $700,000
52
17D
74
16I
86
19E
from $200,000
30
8V
from $537,000
24
8P
59
6S
60
7O
93
8O
29
7V
from $310,000
T
from $490,000
D
T
D
T
D S
West
35
T
T
T
D
D
C
T
from $350,000 Property Type D Detached S Semi-Detached T Townhome
projects & communities MAP LISTINGS IN THIS ISSUE PAGE BUILDER SITE
CONTACT INFO
PROPERTY TYPE
PRICE RANGE
PIN
MAP FINDER
Central 7
Andrin Homes
22-23
Geranium Homes Corporate
Geranium Homes
Twelve on the Ravine
Geranium Homes
Glenway in Newmarket
D
from $700,000
geraniumhomes.com D
T
12ontheravine.com
D
T
from $1700,000
89
22P
Vista at Cardinal Point
vistaflatsandtowns.com
D
T
from $420,000
12
22J
Great Gulf
Corporate
416-449-1340
T
5
Madison Group
Cornell Rouge
905-472-9556
T
from $950,000
16
23M
Mattamy Homes Alderidge
mattamyhomes.com D S
from $1230,000
82
13S
Mattamy Homes
mattamyhomes.com
37
15P
Mattamy Homes Cornell
mattamyhomes.com D
T
from $2900,000
17
22M
BC
Mattamy Homes
mattamyhomes.com
C
17
22M
IFC&1
Mattamy Homes Corporate
mattamyhomes.com D
T
C
Mattamy Homes
Downsview Park
mattamyhomes.com
37
15P
Mattamy Homes
Kleinburg Summit
mattamyhomes.com
D
T
84
13K
Mattamy Homes
Richmond Green
mattamyhomes.com
D
T
41
18K
Mattamy Homes
Thomson Towns
mattamyhomes.com
T
95
20P
Mattamy Homes
Upper Summerside
mattamyhomes.com
T
42
19R
Mattamy Homes
Vita on the Lake
mattamyhomes.com
C
from $350,000
39
14S
13
Rosehaven Homes
Corporate
rosehavenhomes.com
T
33
Briarwood Homes
Young’s Cove
youngscove.ca
T
from $390,000
17
Madison Group
Frenchman’s Bay
madisongroup.ca
T
98
24O
Mattamy Homes
Queen’s Common
mattamyhomes.com
D
T
91
27O
Mattamy Homes
Seaton Taunton
mattamyhomes.com
D
T
44
24N
Canopy at Downsview Park
Cornell
glenwayliving.com
S
68
18F
East
continues on page 47
S
Property Type D Detached S Semi-Detached T Townhome
Baxter
r vic e Rd
Line
Line
Line
10th
8th
11th
SC a
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EHS
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Moffat Rd
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27-28
24-25 Sideroad
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Carey St Rd
Ave
Jarvis St
Queen St W King St W Front St W
Pape Ave
Bro adv iew
e
Parliament St
Ofield Rd
Moore Ave
Bloor St W Harbord St Wellesley St College St Carlton St Gerrard St
University Ave
Moxley Rd
Laird Dr
Avenue Rd
Lansdowne Ave
Ossington Ave
Christie St
Davenport Rd Dupont St
Mt Pleasant Rd
St Clair Ave W
Toronto
Eastern
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Meddaugh Rd
Allen Rd
Pos Lawrence Ave W Glencairn Ave
Rogers Rd
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Middletown Rd
York Mills Rd
Rd ian Lorne Ind
19 Dr Ford
Middletown Rd
Wilson Hts Blvd
Shep
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Willowdale Ave
Drewry Ave
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37
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71
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Peter Rupert Ave
40
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Park Lawn Rd
The Queensway
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Prince Edward Dr Royal York
Norseman St
Summeridg e Dr
North York
Downsview
Old
6 85Carrville Rd
Keele St
Jane St
Weston Rd
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75
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82
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Maple Leaf Dr
Etobicoke
Evans Ave Horner Ave
Jane St
Jane St
Weston Rd Oakdale Rdy
Islington Ave
Kipling Ave
400
Gamble R
McNaughton Rd
Langstaff Rd
Norfinch Dr Dr
Rexdale
Jefferson
49
55
ar nm Fe Finch Ave W
Bloomington Rd
King-Vaughan Rd
Langstaff Rd
Weston Downs
74
Kirby Rd
Rutherford Rd Bass Pro Mills Dr
73
Dixon Rd
Renforth Dr
rry nga Gle
Rd
Fraser St
Wanda St
Mill Rd 72
Rathburn Rd
Hen
56King Rd
11
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Martin Grove Rd
Carlingview Dr
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409
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River Rd
Leonard Rd
8th Concess ion
10th Concess ion
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Dr ay rkw Cla
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19
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3
9th Line
10th Line
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Ho Port ove rR d
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Dawson Rd Cooney Rd
Jewel Rd Vickers Rd
Gamsby Rd
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35 115
Bell-wood Dr
Arthur St
Golf Course Rd
Moffat Rd
Lockhart Rd
King St Stephenson Rd
Mill St
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42
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O
Concession Rd 3
Main St
Queen St E
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4
Leskard Rd
N
Bragg Rd
Mearns St
Presto nva le R d
M tP lea sa nt Tr ail
Holmes Point Rd Victoria S
Mapl
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du stri al Pkwy
Duclos Rd St ou ffv ille
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17
Cole Rd
Mearns Ave
Bethesda Rd
Concession St 57 Baseline Rd
Acres Rd
Middle St
Sew ells
Dick Re
Skelding Rd Allin Rd
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I
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Rd rth nfo Da
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Sand Bar Rd
View Lake Rd
Yelverton
Concession Rd 8
Concession Rd 4
Maple Grove Rd
Maple Grove
7A
Cartwright East Quarter Line
Holt Rd
Rundle Rd
401
2
5 Concession 10
20
Cedar Park Rd
Solina Rd
Trulls Rd
Courtice Rd
34 Bloor St
HWY
Concession 11
Concession 4
Taunton Rd
Salem
H
J
Hampton
Nash Rd
Concession 12
Concession 3
Lettner Rd
Concession Rd 6
Pebblestone Rd Tooley Rd
e Murray Av
Solina
Washington Rd
59
Vannest Rd
Olive Ave
Dovehaven Rd
McLaughlin Rd
Old Scugog Rd
Ormiston Rd
Townline Rd
P
East Ave Port Union Rd
ll i p
Enniskillen 3
Mitchell’s Corners
62 hi
Union School Rd Wotten Rd
Enfield Rd
8855
58 King St
Bond St Gibb St
Langmaid Rd
35
22 rth St Went wo
60
Townline Rd
Burns St
54 Adelaide Ave
Park Rd
Stevenson Rd
Halls Rd
Pickering Beach Rd
Shoal Pt Rd
Henry St
Hopkins St
Dundas St
Hoyer Rd
Nestleton Rd
Cartwright West Quarter Line
Sandy Rd
Graham Rd Russell Rd
53
Valentia Rd
Ogemah Rd
Washburn Island Rd
Rd
Wilson Rd
52
34
Grandview St N
Harmony Rd
Ritson Rd
Oshawa
28 Ma nn in g Rd 36
Harmony Rd N
Simcoe St
Stevenson Rd N
Garden St
Cochrane St
Salem Rd
Westney Rd
Harwood Ave
Squire Beach Rd
Sandy Beach Rd
eE Av
44
Victoria St
Brock St
91
41
24
McQuay Blvd
Halls Rd
Ravenscroft Rd
Riverside Dr
Church St
Liverpool Rd
Valley Farm Rd
Ajax
4
Concession Rd 10
Concession Rd 7
Conlin Rd
2
Mountjoy Rd
57
Janetville
G
Fallis Rd
Cadmus
Devitts Rd
Concession Rd 9
33
Nestleton
McKee Rd
57
Byers Rd
3
71
Whitby 43
Grandview St N
Columbus
Bradburn Rd
Burketon
Boundary Rd
Winchester Rd
16
Thickson Rd
Salem Rd
Westney Rd
Taunton Rd
12
Ritson Rd
26
Anderson St
Lyndebrook Rd Country La
Coronation Rd
Halls Rd N
Thornton Rd
Cedarbrook Tr
Columbus Rd
3
Rossland Rd 31
Eldon Rd
Beacroft Rd
Mississaugas Trail
He ad
Stevenson Rd N
Duffs Rd
Howden Rd
Brooklin
19
Raglan Rd
Raglan
7 12
Mariposa/Ops Bdry
Bush Rd
White Rock Rd
Fingerboard Rd
Sim coe St
Diamond Sideroad
Bryant Sdrd
Country La
Cochrane St
Kinsale Rd
Sideline 4
Greenwood Rd
5th Concession Rd
Shirley Rd Coates Rd
Myrtle Ashburn Rd
Sideline 2
Ashburn
Taylor’s Rd
Barry’s Rd
Station Rd
Scugog Line 3
t Rd
Malcolm Rd
Edgerton Rd
Church St
2
Heron Rd
Dagmar Rd
Myrtle Rd
Eden Rd
Eldon Rd
Sideroad 18
oin
Scugog
Scugog Line 4
Scugog Line 2
Brawley Rd
Greenwood
2
Bayly St
Grey Sideroad
Rd st Ma
Lakeridge Rd
Balsam Rd
Paddock Rd
31
HWY
Rd
Reach St
Chalk Lake Rd
Mount Zion
70 Brock Rd
Sheppard Ave
Lawrence Ave E
West Hill
ton gs Kin
Balsam Sideline 5
Sideline 22
Sideline 22
Whites Rd
Dixie Rd
Rosebank Rd
Altona Rd
Guildwoo d P
38
rd pa ep Sh
Meadowvale Rd
Military
Morningside Ave
Scarborough 42
Concession Rd 3
27
Sideline 12
Sideline 24
7
44
Finch Ave
Westney Rd
Sideline 14
Sideline 22
Sideline 24
North Rd
Sideline 28
Beare Rd
Milner Ave
4th Conc Rd
89
il Tra
Bellamy Rd
Eglinton Ave E
Dr Brim o rt on Scarborough Golf Club Rd
Daw es R d
Coxwell Ave
Woodbine Ave
Greenwood Ave Donlands Ave Jones Ave
Victoria Park Ave
Midland Ave
Pharmacy Ave
ath le P Brid
Birchmount Rd
95
Brimley Rd
Don Vally Pkwy
Don Mills Rd
Ellesmere Rd
Sewells Rd
Sheppard Ave
Neilso n R d
Nugget Ave
Old Finch Ave Rd
Whitevale
Plug Hat Rd
Sideline 14
Sideline 16
Sideline 20
Sideline 26
Sideline 34
Box Grove Steeles Ave E
E Ave evin McL
401
rD no
Pickering
407
11th Line
71
Tapscott Rd
Middlefield Rd
Leslie St
tingwood Dr H un
ppard Ave
O’Co n
wy
ark Dr
Markham Rd
14th Ave
71
Denison St
404
Mortimer Ave
7
Hill
8th Concession Rd
Whitevale Rd
n Rd Alde
Agincourt
erlea Blvd Ov
7th Concession Rd
7
Passmore Ave
Eglinton Ave W
ns P k
17 16 Locust
HWY
McNicoll Ave
st Rd
u se
Markham-Pickering Townline
Co
9th Line
Unionville
Esna P
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n Ave
d
Main St
Woodbine Ave
Leslie St 12
ornhill
lowdale
17th Ave
Markham 73
07
John St
Major Mackenzie Dr
25
al
16th Ave
69
Reesor Rd
6
67
Glen Major
1 Uxbridge Pickering Townline
Claremont
57
Jobb Rd
High P
Concession 14
Proutt Rd
Beacock Rd
Pine Rd
Webb Rd
5
Elgin Mills Rd
Pine Pt Rd
Scugog Line 6
Houston Rd
F
Mabels Rd
L AKE SCUGOG
Utica
Allbright Rd
Altona
Dicksons Hill
48
D on
Warden Ave
mond Hill
65 Kennedy Rd
Victoria Square
McCowan Rd
19th Ave
29
41 49
Stouffville 12
Main St
Sideline 32
Jefferson
Glasgow
10th Line
Rd
Stouffville Rd
14
n Sideroad St
Markham Rd
10
Bethesda Rd
Bethesda
Rd
Ma Brown’s Rd
Epsom
Ried Rd
Brock Rd
Yonge St
Sunset Beach Rd
Secord Rd
nd Isla
Scugog Line 8
Ward Rd
21
47
Whitchurch-stouffville
Demara Rd
Whitfield Rd
7
Rainbow Ridge Rd
7 Mile Chandler Dr Island Rd
8
40 34
Till Sdrd
R
Goodwood Rd
HWY
Old Simcoe Rd
Uxbridge
Prouse Rd
Sideroad 18A
Brookdale Rd
47
4
Cottage Rd
7
Harper Rd
Scugog Line 9
HWY
Scugog Line 9
Medd Rd
Wagg Rd
Hillsdale Dr
Aurora
O’Beirn Rd
8th Conc Rd
d
47
7th Conc Rd
Vandorf Rd
Re ach St
HWY
E
Pogue Rd
Clements Rd
17
Kent St
Cross Creek Rd
28
16
Hood Dr
C Little Britain Rd
D
. La
L
Long Rd
Ranch Rd
Seagrave ier oz Cr
4
Cricket Hollow Rd
Ramsey Rd
Fenelon Bdry
Dewdrop Rd
Little Britain Rd
Zion Rd
Cookston Rd
Taylor Corners
Cresswell Rd
Salem Rd
Royal Oak Rd
Scugog Line 12
Cragg Rd Canton Rd
8
6th Conc Rd
8
Aurora Rd Lak es
Jesse Thomson Rd
Ridge Rd
Ballantrae 15
e hor
nderson Dr
Wesley Cors
Ball Rd
Roseville Siloam
St Johns Rd
4th Conc Rd
57
Scugog Line 12
23
3nd Concession Rd
72
St John’s Rd
Marsh Hill
Uxbridge
2nd Concession Rd
Bayview Ave
Wellington St
Woodbine Ave
26
Sideroad 18A
Cherry St Faulkner Ave
Bogarttown
Kawartha Lakes
Algonquin Rd
Spadina Sdrd
1
St John’s Sideroad
Feasby Rd
7 12
B
Farmstead Rd
Little Britain Rd
6
Saintfield
Marsh Hill Rd
74
Bow St
Cedar Valley
Vivian Rd
Blackwater Rd
Mulock Dr
Farmstead Rd
Brock-Scugog Townline Rd
Blue Mountain Rd
6
Oakwood
7 7th Concession
Pinedale
Scugog Line 14
1
Davis Dr
York-Durham Line
Newmarket
11
Wetheral Sdrd
Davis Dr
Sandford
18
Manilla
7A
Cambray
GrahamRd
13
Victoria Corners Rd
A
Quaker Rd
2nd Concession
Victoria Corners
9
Skyline Rd
9th Concession
6th Concession
Foster Dr Kennedy Rd
Sandford Rd
Sideroad 17
68
Sideroad 17
West Franklin
Sideroad 17A
19
Bales Dr
Weirs Rd
Goos
33 The Glen Rd 34
46
5th Concession 4th Concession
21
Camero 9
Rd
Peniel Rd
10th Concession
Islay
Rd
9
Valley
Black School Rd
11th Concession
Sunderland
6
Grasshill
Woodville
32 12
8th Concession
King St
13
8th Conc Rd
ain M
Herald Rd
St
Sideroad 17
Green Lane
Vallentyne
Shier Rd
38
ller’s Sideroad
31
9th Concession
23
Zephyr Rd
13
Leaskdale Rd
Ashworth Rd
69
9th Concess ion
Rd Franklin
12
Udora
Linden
Cannington
Derryville
Vrommanton
St
2
6th Concession Rd
Mount Albert Rd
13
82
30
12
Woodville
King
2
Concession
10
5th Concession Rd
65
Hollingers Rd
Brock Rd
Bridle Path Farr Ave
13
39
t
29
Hartley
Lorneville
14th
Brock
10th Concession
Fowlers Rd
4th Concession Rd
51
Rd
Morning Sdrd
Zephyr
Meyers Rd
Doane Rd Centre St
ng ndi La
d
d
East Gwillimbury
Doane Rd
86
45
51
Brewster Rd
Foot Dafoe St St
lla nd
77
Hornes Rd
Ravenshoe Rd
39
3rd Concession Rd
1 Ho
am Sdrd d
48
Queensville Sideroad
Queensville
Orchard Ct
Rd
Cedarbrae
5th Concession Rd
2nd Concession Rd
Leslie St
Holborn Rd
21
Old Shiloh Rd
Leitch Rd
3
2nd Concess ion
77
Sand Rd
mp Ho us e
Smith Blvd
Georgina
Brown Hill
Cole Rd
Old Homestead Rd
28 13th Concession
Wilfrid
Rd
Q u a r ter
Lorneville
46
Brock-Thorah Townline East
Concession
81
Frog St
Boag Rd
Maple Hill
8
Lloyd Sdrd
Ravenshoe
27
Cedarbrook Dr Rd
Concession Rd 3 Thorah
Concession Rd 2 Thorah
48
14th
Lake Ridge Rd
Rd
26 Morning Glory Rd
Dr
g Irvi n
Weir’s Sideroad
Boag Rd
Holborn Rd
38
ing ter Ca
79
Prout Rd
Holland Marsh
10th Line
32
25
18
Audubon Way
Miles Rd Blake Ave
West ury
Ravenshoe Rd
Carley Rd
The Queen sway
Line 12
Rd st re nc ve Ra
24
Latimer Rd
Dr
Glenwood Ave
Virginia
Park Rd
Lasher La Valley Vie w
Pollock Rd
COOK’S BAY
Line 13
Rd
BrockThorah Twnl W
Thorah Beach Port
Point
P e ff e r l a w
23
Mile Lane
Cryderma n’s Rd
Morton Ave
River
Sutton
Maple Beach
Duclos Point
Rd
Island View
Stoney Batter Rd
22
Count ry Bethel Side Rd
Baldwin Rd
Fennell
Black Hi
Rd 9 ing
Church St
Gilford Rd
Briars 80 Pk
St gh
21
H
Base Line Rd
Lockie Sd Rd
Old Homestead Rd
Rd
e dge
Park Rd
20
Jacksons Point
3 8A
Boyers Sideroad
Rd Dalton Rd
Deer Park Rd
Metro Rd
Willow Beach
h ore
S
19
Island Grove
Rd
DeGrassi Point
The Que ensw ay
3
Line
20th Sideroad
18 4
Roches Point
Harbour St Pine Ave
Killarney Beach Rd
chill
Dr
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t tS ar Ew
39
Lake
Civic Cen tre
d eR
Belle Aire Beach Rd
3rd
23
Nantyr Park
Line
Virginia Blvd
Line
20th Side road
6th
Old
7th
nisfil
Cate r
Nantyr
John’s Rd
Barclay
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