APR 15 - 29, 2017 VOLUME 25, ISSUE 8, FREE
GTA EDITION
PICKERING
REGISTER NOW TOWNHOMES AND SINGLES STEPS FROM THE SHORES OF LAKE ONTARIO BY QUAINT FRENCHMAN’S BAY.
MadisonGroup.ca
INSIDE THIS ISSUE
BUDGET 2017 COMES UP SHORT IN ADDRESSING AFFORDABILITY
THE TORONTO HOUSING MARKET BY THE NUMBERS
SIX FINANCIAL HOMEBUYING HACKS
LIVE, WORK, AND PLAY ON THE PARK IN KLEINBURG SUMMIT
Collection Of Executive Townhomes, Live/Work Towns And New Release Of Detached Homes Coming Soon Serene park views nestled in the heart of upscale living is coming to our Kleinburg Summit community. Our Gallery on the Park Collection gives REGISTER TODAY mattamyhomes.com
you the choice of Executive Towns or our innovative Live/Work Towns.
A Mattamy home is a HOME YOU’LL VALUE for a lifetime. SALES CENTRE HOURS: Monday - Thursday 1 pm-8 pm; Friday 1 pm-6 pm; Saturday, Sunday and Holidays 11 am-6 pm
Experience the sophistication of Kleinburg Summit in a variety of luxurious Detached Homes being released soon. These opulent, sought after homes are the pinnacle of upscale living. Discover Mattamy’s thoughtful home designs and welcoming neighbourhoods.
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Visit us today to learn more.
Luxury Townhomes With Park Views
All illustrations are artist’s concept. All dimensions are approximate. Prices, specifications, terms and conditions subject to change without notice. E.&O.E.
SALES CENTRE 10340 Highway 27
2017-03-29 10:29 AM
contents APR 15 – 29, 2017 | VOLUME 25 ISSUE 8
24
ON THE COVER
Inspired living at Frenchman‘s Bay in Pickering + online NEIGHBOURHOOD
HOME SEARCH
property profile MORE +PHOTOS +VIDEOS +ADVICE +INSPIRATION +TRENDING
MAPS
2 YPNEXTHOME.CA
24 Madison Group Inspired living at Frenchman’s Bay
14 LOOK FOR THE CIRCLE
CREA
Canadian housing story a tale of two markets
OHBA
OHBA members meet with MPPs to discuss affordability
26 Budget 2017
Budget comes up short in addressing affordability
trending
WITH
DYNAMIC
18
32
CHBA
Mismatch between housing supply and demand
36 inspiration
20 Style File
Budget-friendly spring style updates
36
8
Style File
Make your backyard into the perfect space
advice
8
BILD Report
Innovative townhomes offer consumers affordable options by Bryan Tuckey
10
32
Fundamentally Speaking
6 financial homebuying hacks by Wayne Karl
22 Mortgage Advice
Is the lowest mortgage rate always best? by Alyssa Furtado
30 OHBA Report
The quest for energyefficient housing continues by Joe Vaccaro
38
Legally Speaking
What is a mortgage cap? by Jayson Schwarz
40 News & Views
10
Why we love The 6 and why people flock here by Lydia McNutt
buyers’ resource section
42 Hot Properties
New releases, openings and preview registrations
45 Mortgage Rates in every issue
40
22
4
Editor’s Note
6
Contributors
46 What’s Online 47
Advertiser Index APRIL 15 - 29, 2017 | NEW HOME GUIDE 3
Editor’s Note
Sloppy and spoiled with political decisions IF YOU’VE PAYING ATTENTION to what’s going on in the
WAYNE KARL Senior Editor Yellow Pages NextHome Email: Wayne.Karl@ypnexthome.ca Twitter: @WayneKarl
GTA housing market, you no doubt are well aware of the supply and demand crunch. Supply constraints in lowrise homes reaching “crisis” proportions, combined with buyer demand that shows no signs of waning, are causing price growth that is not only prohibitive, but also unsustainable. Well, dear prospective homebuyer, it might get worse before it gets better. According to a growing number of voices, the Ontario government’s proposed Growth and Greenbelt Plans for the Greater Golden Horseshoe will worsen housing affordability. “The first iteration of the Greenbelt mapping was sloppy and was spoiled with political decisions,” says Hazel McCallion, former mayor of Mississauga and ex-officio advisor to Premier Kathleen Wynne. “I am calling on the Premier to work with her municipal partners to get it right.” Homebuyers might want to keep an eye on this situation, to see if she does.
ONLINE
SEE MORE PHOTOS ONLINE
With a mixture of lively stores and restaurants and quiet residential streets, Downtown Whitby caters to a variety of tastes and lifestyles. Read the full story… ypnexthome.ca/downtown-whitby
+ get social 4 YPNEXTHOME.CA
Interact with us on social media: ypnexthome
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MARKHAM
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.
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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
and information. CIRCULATION Highly targeted, free distribution
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
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
APRIL 15 - 29, 2017 | NEW HOME GUIDE 7
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Advice | BILD REPORT
Recognizing excellence at annual renovation awards By Bryan Tuckey
MORE ADVICE ONLINE ypnexthome.ca/news/advice
WITH RISING GTA real estate prices
making it harder for people to move up, more and more homeowners are opting to renovate and get more out of their existing homes. The key to a successful renovation is planning and working with a professional. To turn your dream into reality, start your renovation with a good plan and find a professional renovator to work with. BILD’s RenoMark program and the renomark.ca online database can help you find the right professional for your project. We created the program in 2001 to enable consumers to easily identify professional renovators, trade contractors and custom home builders who are committed to high standards. All RenoMark members follow a renovation-specific Code of Conduct which includes things like providing a written contract; offering a minimum $2 million in liability insurance; providing two years warranty on all work; and having all applicable licenses and certificates. We recently recognized excellence among our professional RenoMark renovation members at our annual Renovation and Custom Home Awards. Members were nominated by a team of industry professionals and the Renovator of the Year Award was also presented based on survey results from clients. Men at Work Design Build Ltd walked away with three awards including the Renovator of the Year, which recognizes the renovator who sets the standard for the rest 8 YPNEXTHOME.CA
of the sector, the Best Renovation $300,000 to $500,000 Award and the Best Home Renovation $75,000 to $150,000 Award. Binns Kitchen + Bath Design received the Best Renovation Under $75,000 while Super 7 Group was awarded Best Renovation $150,000 to $300,000 Award. The Best Renovation $500,000 or more Award was shared by Lewitt Construction Inc. and TIPEQ Inc. Keystone Ridge Developments won the award for Best Condominium Renovation and Chatsworth Fines Homes was presented with the Best Custom Home Award. We also handed out some special BILD member honours to three of our RenoMark members during this year’s renovation awards event. Jim Cunningham of Eurodale Developments was named BILD Member of the Year. An association member for more than a decade, every year Cunningham demonstrates excellence in all areas of home renovation. He has been the
recipient of our Renovator of the Year award three times since 2010. Lou Frustaglio of Dreambuilders Inc. and Frank Cohn of Cohn Construction were inducted into BILD’s Hall of Fame. An association member since 1987, Frustaglio has seen many changes and he has worked hard to raise the standard in quality and professionalism of the residential renovation industry. Cohn has received the Renovator of the Year award three times over the past 25 years. You may recognize his names because he also hosts the “Home Improvement Show” on Newstalk 1010, sharing his extensive knowledge of home renovations and repairs. 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).
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 15 - 29, 2017 | NEW HOME GUIDE 9
Advice | FUNDAMENTALLY SPEAKING
6 financial homebuying hacks calculator to help determine their payments. And social media is playing a more important role – 20 per cent used sites such as Facebook to learn more, 17 per cent used a mobile device, and of those, 22 per cent used a mortgage related app. And all of these figures are growing.
By Wayne Karl
MORE ADVICE ONLINE ypnexthome.ca/news/advice
PLANNING TO BUY A HOME and not
sure where to begin? Maybe it’s your first home, or it’s been a while and you’re ready to move up to a larger property. Here are six home-buying hacks to help you prepare. 1 | GET WITH THE PROGRAMS There are various government programs available to help you buy a home: » Home Buyers’ Plan (HBP): The HBP allows first-time buyers to withdraw up to $25,000 from their RRSP to put toward a down payment on a home. You have up to 15 years to repay the funds. Prime Minister Justin Trudeau has promised to modernize the program to allow Canadians to dip into their RRSPs to buy a home more than once, including when impacted by life changes such as job relocation, death of a spouse or marital breakdown. » First-Time Home Buyers’ Tax Credit (HBTC): Eligible first-time buyers can apply for the HBTC to help offset the costs associated with purchasing a home, such as legal fees, disbursements and land transfer taxes. The credit can provide up to $750 in federal tax relief. For more on these programs, visit cra.gc.ca 2 | EXPLORE YOUR OPTIONS Firsttime buyers can purchase a home with as little as five per cent of the purchase price as a down payment – as long as the property is less than 10 YPNEXTHOME.CA
$500,000. Anything higher than that, and the minimum down payment for the portion of the price higher than $500,000 is 10 per cent. So, assuming your price range is at that threshold, you’ll need to come up with at least $25,000. At that purchase price, depending on the market you’re in, this could mean you’d then be looking at a condo or townhome, instead of a detached home. 3 | VISIT THE BANK OF MOM AND DAD If your parents are baby boomers who have had the good fortune of building equity over the years as they paid down their mortgage while the value of their property multiplied, well… they may be in a position to help. Any many buyers are hitting up the bank of mom and dad. In the last two years, 28 per cent of first-time buyers hit the bank of mom and dad to help finance their purchase; from 2010 to 2014, only 17 per cent did. 4 | BECOME TECH SAVVY Mortgage consumers are becoming very tech savvy. In Canada Mortgage and Housing Corp.’s 2015 Mortgage Consumer Survey, 78 per cent of respondents researched online, with 70 per cent using an mortgage
5 | BEFRIEND A BROKER OR BANKER Like many things in life, it’s all about relationships. And whether you use broker or a banker to secure a mortgage, you’ll likely come to value the relationship. In the same CMHC survey, consumer loyalty strengthened the longer people stayed with their lender. But since we’re talking about money, people are willing to switch lenders to get a better rate and save – a fact which is much more prevalent for bankers than brokers. And because brokers are able to offer products from multiple lenders, as opposed to bankers which offer only the products of their own institution, the market share held by brokers is growing notably, particularly among repeat buyers. 6 | RESEARCH, RESEARCH, RESEARCH These days, with prices rising as they are and uncertainty in some markets, thorough research is an absolute must. Everything from your target area, desired housing type, builder or realtor, finances, how much you can afford, who you borrow from and the structure of your mortgage – take your time. Take months. Don’t rush anything. Anything. 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
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 15 - 29, 2017 | NEW HOME GUIDE 11
Sierra
EERRO H O R U O H T R E U E O M T MEE
“From “From interacting interacting with with the the volunteers volunteers to to the the uppermost uppermost staff at SickKids, our experience has been positive. staff at SickKids, our experience has been positive. That That has has been a tremendous help as a parent. ” – Nicola been a tremendous help as a parent.” – Nicola Put Put aa camera camera in in front front of of eight-year-old eight-year-old Sierra Sierra and and she she will will turn turn on on the the charm. charm. This This charismatic charismatic little little girl girl isis as as playful playful and and active active as as any any other other child child her her age. age. You’d You’d be be surprised surprised to to know she’s a current patient at The Hospital for know she’s a current patient at The Hospital for Sick Sick Children Children (SickKids). (SickKids). Sierra’s Sierra’s illness illness was was detected detected early early at at only only two two days days old old when when she she was was brought brought to to SickKids SickKids to to investigate investigate an an irregular irregular connection connection in in the the bowel. bowel. She She was was sent sent home, home, one one month month later later her parents returned to SickKids Emergency with their her parents returned to SickKids Emergency with their infant infant jaundiced jaundiced and and not not digesting digesting food food properly. properly. Although Although she she was was being being fed fed aa lot, lot, Sierra Sierra had had lost lost weight weight since since being being born. born. ItIt didn’t didn’t take take long long for for doctors doctors to to determine determine the the cause cause of of Sierra’s deterioration and she was diagnosed with Cystic Sierra’s deterioration and she was diagnosed with Cystic Fibrosis Fibrosis (CF). (CF). CF CF isis aa genetic genetic disease disease that that mainly mainly aff affects ects the the lungs lungs and and digestive digestive system. system. Fortunately Fortunately for for Sierra, Sierra, itit has has predominantly predominantly aff affected ected the the digestive digestive system, system, which which isis easier easier
12 YPNEXTHOME.CA
to to manage manage than than the the lungs. lungs. Since Since her her diagnosis, diagnosis, she she has has taken taken enzymes at mealtimes to help with digestion and undergoes enzymes at mealtimes to help with digestion and undergoes daily daily physiotherapy physiotherapy to to prevent prevent her her lungs lungs from from building building up up with with mucus. mucus. Since Since Sierra Sierra isis very very active, active, her her parents parents have have become become creative creative with her physio by incorporating it into her daily with her physio by incorporating it into her daily activities. activities. For For example, example, 10 10 minutes minutes bouncing bouncing on on the the trampoline trampoline might might be be followed followed by by fifive ve minutes minutes of of breathing breathing exercises. exercises. This This doesn’t doesn’t hold hold Sierra Sierra back back from from being being active. active. She She does does gymnastics, swimming, soccer, art classes and made gymnastics, swimming, soccer, art classes and made itit to to ‘divisionals’ ‘divisionals’ for for cross cross country. country. Her Her mom mom says says she she can’t can’t sit sit still. still. Sierra’s condition has also encouraged her parents and Sierra’s condition has also encouraged her parents and family family members members to to become become involved involved in in fundraising fundraising activities activities to to support CF research and SickKids. support CF research and SickKids. As As she she grows grows older, older, Sierra Sierra isis becoming becoming more more actively actively involved involved in her own treatment. Her parents feel lucky to have in her own treatment. Her parents feel lucky to have SickKids SickKids in in their their lives lives to to guide guide them them through through their their ups ups and and downs. downs.
Why Why SickKids? SickKids?
11 2 2 3 3
SickKids SickKids isis on on the the frontlines frontlines in in the the battle battle against against Cystic Cystic Fibrosis. Fibrosis. Since Since our our researchers researchers discovered discovered the the gene gene responsible responsible in in 1989, 1989, life life expectancy expectancy for for CF CF patients patients has has doubled. doubled. We We may may have have dealt dealt aa serious serious blow, blow, but but we we won’t won’t stop stop fifighting ghting until until CF CF lives lives on on only only in in history history books. books. SickKids SickKids pioneers pioneers new new possibilities possibilities for for treatments treatments and and cures. cures. 2,000 2,000 research research staff make advances every day that bring new hope to children staff make advances every day that bring new hope to children and and theirfamilies. theirfamilies. SickKids SickKids isis Canada’s Canada’s leading leading centre centre dedicated dedicated to to improving improving children’s children’s health health and and home home to to Canada’s Canada’s largest, largest, hospital-based hospital-based child child health health research research institute. institute.
Builders Builders Helping Helping to to Heal Heal
Yellow Yellow Pages Pages NextHome, NextHome, the the publisher publisher of of New New Home Home Guide, Guide, New New Home Home && Condo Condo Guide Guide and and New New Condo Condo Guide, Guide, isis teaming teaming up up with with builders builders and and their their suppliers suppliers to to help help raise raise money money for for SickKids. SickKids. The The following companies have contributed generously to following companies have contributed generously to help help give give children children the the world-class world-class care care they they deserve. deserve. These These pages pages honour honour these these special special people, people, and and we we thank thank them them for for their their generous generous support. support. Builders Builders Helping Helping to to Heal Heal and and Friends Friends of of the the Industry Industry are are Yellow Pages NextHome initiatives stemming from Yellow Pages NextHome initiatives stemming from SickKids SickKids
Leaders, Leaders, aa program program at at SickKids SickKids which which draws draws on on the the support support of of more more than than 150 150 volunteers volunteers over over 30 30 industry industry sectors. sectors. Again, Again, we we thank thank our our generous generous sponsors sponsors and and appreciate appreciate their their ongoing commitment. These companies not only ongoing commitment. These companies not only build build housing, housing, but but they they support support the the families families in in the the communities communities in in which which they they build. build. Readers Readers looking looking to to support support SickKids SickKids can can go go to to www.sickkidsleaders.com www.sickkidsleaders.com
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APRIL 15 - 29, 2017 | NEW HOME GUIDE 13
Trending
Canadian housing story remains a tale of two markets in 2017-18 CANADA’S HOUSING MARKETS will continue on different paths in 2017 and 2018, with considerable regional divergence according to the latest resale forecast from the Canadian Real Estate Association (CREA). In housing markets around the Greater Toronto Area and including the furthest reaches of Ontario’s Greater Golden Horseshoe (which includes the GTA, HamiltonBurlington, Oakville-Milton, Guelph, Kitchener-Waterloo, Cambridge, Brantford, the Niagara Region, Barrie and nearby cottage country), the balance between supply and demand is increasingly tight. This is expected to lead to continued double-digit price growth, resulting in further erosion in affordability and sales activity in the absence of a significant and sustained rise in new supply. In resource-intensive provinces of Alberta, Saskatchewan and Newfoundland and Labrador, sales activity is running at lower levels and supply is elevated, resulting in weakened price trends for these provinces. In BC, activity in the Lower Mainland has cooled markedly from all-time highs recorded early in 2016; however, sales and price pressures elsewhere in the province remain historically strong. Recently tightened mortgage rules, higher mortgage default insurance premiums and an expected rise in mortgage interest rates all represent headwinds to affordability in all Canadian housing markets. It will be some time before their full impact on housing markets is evident. In some regions, the recently tightened “stress test” for mortgage financing qualification will force some first-time buyers to re-think how much home they can afford and may lead to a drop in home purchases as they shop for a lower-priced home. In regions where there is a shortage 14 YPNEXTHOME.CA
MORE TRENDING ONLINE ypnexthome.ca/news
of lower-priced inventory, some sales may be delayed as buyers save longer for a larger down payment. In Vancouver and Toronto, where single-family homes are in short supply and there are few affordable options, some buyers may find themselves priced out of the market entirely. In Toronto, the stress test for mortgage qualification may prompt some buyers to move further out into communities located in the Greater Golden Horseshoe where homes are more affordably priced. Nationally, sales activity is forecast to decline by three per cent to 518,700 units in 2017. In line with CREA’s previous forecast, the upward revision to the sales forecast for Ontario offsets a downward revision to British Columbia’s. BC is forecast to see the largest decline in sales in 2017 (down 17.5 per cent), followed by Prince Edward Island (down 10.8 per cent). Activity in both provinces is retreating from all-time highs reached in 2016. Newfoundland and Labrador is also forecast to see a decline in sales in
2017 (down 8.4 per cent), continuing a softening trend that stretches back nearly a decade. Alberta is forecast to have the largest increase in activity in 2017 (up five per cent), however that still leaves it nearly 10 per cent below the 10year average. Elsewhere, sales activity is forecast to be little changed from 2016 to 2017. Ontario sales are forecast to rise by less than one per cent in 2017, as strong demand runs up against an increasingly acute supply shortage. While prices are still rising rapidly in Ontario, BC has seen a compositional shift in the average price that reflects softer sales activity in the Lower Mainland which has some of the most expensive real estate in Canada. The national average price is forecast to rise by 4.8 per cent to $513,500 in 2017, with significant regional variations. The average price is expected to retreat by more than five per cent in BC as well as Newfoundland and Labrador, and 2.8 per cent in Saskatchewan, while rising by more than 15 per cent in Ontario.
n o o S g n i C om TO BOWMANVILLE
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*Price and information correct at press time. E. & O. E.
REGISTER NOW AT TREASUREHILL.COM | APRIL 15 - 29, 2017 | NEW HOME GUIDE 15
A fabulous new selection of home designs available
REGISTER NOW 16 YPNEXTHOME.CA
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NEW RELEASE OF 40', 50’ & 60' LOTS COMING THIS MAY TO INNISFIL
There is is aa place place where where architectural architectural elegance elegance blends blends seamlessly seamlessly with with peaceful, peaceful, natural natural There wooded surroundings. surroundings. Where Where the the shimmering shimmering shores shores of of Lake Lake Simcoe Simcoe are are just just aa short short wooded stroll away away –– the the perfect perfect setting setting for for upscale upscale family family living. living. stroll Expansive, open open concept concept designer designer interiors interiors featuring featuring spacious, spacious, gourmet gourmet kitchens, kitchens, Expansive, gleaming hardwood hardwood floors floors and and gorgeous, gorgeous, modern modern master master baths. baths. Inspired, Inspired, exceptional exceptional gleaming living –– only only for for those those who who act act now. now. living
BallymoreHomes.com Renderingisisartist’s artist’sconcept. concept.Prices Pricesand andspecifications specificationsare aresubject subjectto tochange changewithout withoutnotice. notice.E. E.&&O. O.E. E. Rendering
APRIL 15 - 29, 2017 | NEW HOME GUIDE 17
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Trending
OHBA members meet with MPPs to discuss impacts of policy on housing affordability THE ONTARIO Home Builders’
Association (OHBA) recently hosted its annual Queen’s Park Advocacy Day with builder and renovator members from across the province, attempting to educate and advise MPPs, cabinet ministers and policy makers on how provincial policy decisions impact the supply, choice and affordability of housing across Ontario. “OHBA recognizes that everyone is discussing and debating why home prices keep going up in communities across Ontario, and most acutely across the Greater Golden Horseshoe,” says OHBA CEO Joe Vaccaro. “OHBA represents the provincial industry that delivers 95 per cent of all new housing supply in Ontario, and our members welcome the opportunity to share their challenges and frustrations with MPPs, regarding new housing supply in their communities.” MPPs are returning to Queen’s Park with a full legislative agenda that covers every aspect of building and planning for new housing supply, including the Co-ordinated Review of the Growth Plan; Construction Lien Act Reform; Inclusionary Zoning; Skilled Trades Shortages; OMB Reform; Ontario Building Code Updates, the Climate Change Action Plan and many additional public policy-related items. “The decisions made by MPPs during this legislative session will have a direct impact on housing supply, choice and affordability for Ontarians,” says Vaccaro. “These important decisions are all connected and will ultimately impact the market and the price of housing that consumers are facing.” Recognizing that housing affordability is a complex issue, 18 YPNEXTHOME.CA
OHBA, along with the Ontario Real Estate Association (OREA) are calling on the provincial government to create a housing experts task force to lead a comprehensive, rational and evidence-based discussion of all the factors affecting new, resale and rental housing. The housing experts task force should examine all factors, including demand, supply and public policy ideas to increase housing supply and ensure that housing remains affordable for individuals and families across Ontario. The Greenbelt is an important part of the Ontario’s future. At the Legislative Standing Committee on Finance and Economic Affairs on Dec. 8, 2016, Vaccaro stated,
“OHBA supports the Greenbelt, and we support growing the Greenbelt through a science-based approach that protects significant environmental features.” OHBA continues to support the Greenbelt, including publicly supporting the creation of the Urban River Valley (URV) Designation in 2013 with Environmental Defence, whereby the province proposes to add 21 major urban river valley areas to the Greenbelt. OHBA says it looks forward to continuing to have an evidencebased conversation with all parties on important issues that impact the supply, choice and affordability of housing in Ontario.
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.
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Inspiration | STYLE FILE
BUDGET-FRIENDLY
spring style updates By Jo Alcorn
Each year as spring approaches, I typically see a surge of homeowners wanting to spruce up their homes. There are so many easy and affordable things people can do to dramatically update their home while keeping function, style and budget top of mind.
Consider swapping out some accessories for lighter, brighter options. I love working with white on white (all different tones and shades of white) to create a fresh, bright palette. Flowers are mandatory too – I cannot live without flowers – and they scream spring! Feeling the itch for a more dramatic change this spring? I’ve recently launched a new line of Jo Alcorn wallpaper in patterns that are guaranteed to give your mood a lift and make you feel like you’ve made a dramatic change with a little DIY magic.
Think you have to turn off your fireplace and forget about it until fall rolls around? Think again! Dimplex has stunning units that operate with no heat. You can keep them on during the spring and summer on cool, rainy days when you want that comfy, cosy feel of a fire but without the heat. This unit that I recently styled is a new type from Dimplex called Revillusion. It can run all summer long with a no-heat option to keep a romantic, relaxing feel going strong in the warmer months.
20 YPNEXTHOME.CA
If you have an electric fireplace, or even a wood-burning unit, you can redecorate it to match your spring decor. HomeSense is my go-to when I want to easily change any decor with very little expense. For mantel decor in the warmer months, I recommend light, airy and fun accessories.
If you have open shelving or glass cabinet doors, another option to update your space is to change your glassware and plates. I love to pull these out early in the season and get them on display for an instant spring-time feel. And I’m all for making it feel like the warmer months will be here soon! Walmart has a great selection of outdoor plates and glasses that are sure to please.
Spring is always a great time to organize and make small changes that will add huge functionality to your home. Adding soft-close hardware and drawer organizers can sometimes make it feel like you have a brand new space. GRASS, a manufacturer of soft-close drawer and cupboard systems, has a new line called Tavinea which is an interior drawer system that is modularly built so it can easily be tailored to your personal specifications. The days of the junk drawer will be limited after this addition.
Spring really does inspire us to organize, air out, and freshen up, but a spot that people often overlook is the laundry area. I assure you, if you spend a bit of time to organize it properly, you can be far more efficient when you’re in there and have the bonus of enjoying that space! I love baskets from Bouclair to hide all the bits and bobs, cleaning supplies and other things that make the household tick.
There is no easier, more stylish way to change up your living space than by adding in pillows. “The more, the merrier,” I always say! My pillow collection is fully washable (you toss the entire pillow – cover and stuffing – into the washer!) hypoallergenic and made in Canada.
Jo Alcorn is a celebrity designer specializing in small spaces and design solutions for all budgets. She is the interior expert on HGTV’s new show, Critical Listing, and shares her expertise regularly on TV and through her monthly column at the Toronto Sun. Visit whitewashco.ca
APRIL 15 - 29, 2017 | NEW HOME GUIDE 21
Advice | MORTGAGE ADVICE
Is the lowest rate always best? By Alyssa Furtado
WHILE AT RATEHUB.CA we’re in the
business of comparing mortgage rates, we know there’s more to consider than simply how the interest rate will affect your mortgage payment. Throughout the year, big banks and even smaller lenders will offer incredible promotional rates to bring in new clients, but many of those offers come with serious restrictions and penalties. Before you jump at the chance to snag the lowest rate, read the fine print in your agreement to see if your new mortgage product comes with any of the following:
Low prepayment privileges Most products give mortgage holders the option to increase their monthly mortgage payment amount once per year and/ or make lump-sum payments throughout the year. While many lenders offer 20 per cent/20 per cent prepayment privileges (meaning you could increase your payment by 20 per cent each year and/or make a lumpsum payment of 20 per cent of your original mortgage), some promotional rates only offer 10 per cent/10 per cent. If your goal is to become mortgage debtfree fast, this may not be the right product for you.
Collateral charge If the lowest rate ends up being for a collateral mortgage, you’ll want to carefully consider how taking one on could affect your finances in the future. Collateral mortgages are readvanceable mortgage products that allow you to borrow money from your home at anytime, without having to refinance (and pay the legal fees to do so). Sounds great, right? Unfortunately, they also lock you into staying with that particular lender, even when your mortgage comes up for renewal. To get out of a collateral mortgage, you would need to hire a real estate lawyer (and pay legal fees).
Of course, if your mortgage product comes with the lowest rate on the market and has few restrictions, you should jump at the chance to get it! But if you have any concerns about what’s included in the mortgage agreement, don’t be scared to shop around and find the right mortgage for you — even if it doesn’t come with the absolute lowest rate.
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Closed mortgage While most mortgages in Canada are closed, some mortgage products’ restrictions are tougher than others. For example, the 1.99 per cent fixed-rate mortgage product one lender offered recently didn’t allow borrowers to prepay, negotiate or refinance their mortgage throughout the three-year term. The only way to break your mortgage in that agreement was to sell your home. Again, if you are someone who wants to pay down your mortgage debt fast or may need to borrow from your home in the future, this may not be the best product for you.
MORE ADVICE ONLINE ypnexthome.ca/news/advice 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.
APRIL 15 - 29, 2017 | NEW HOME GUIDE 23
Property Profile | MADISON GROUP
cover story
INSPIRED LIVING at Frenchman’s Bay in Pickering MADISON GROUP has created residential communities in highly desirable locations across the GTA, building thousands of quality homes of lasting design and value. Madison Group will continue the tradition in its newest community in Pickering at Frenchman’s Bay. Located on the southern end of Liverpool Road, steps away from the waterfront, will be a collection of sophisticated, contemporary townhomes and detached singles nestled in a well-established, family friendly neighbourhood. The architecture will feature contemporary facades of brick, stone, and stucco with details that create a distinctively modern look. 24 YPNEXTHOME.CA
Contemporary doors and large windows will add the finishing touches to the streetscape. Detached, two-storey homes of approximately 2,700 sq. ft. with double-car garages will feature four bedrooms, 3.5 bathrooms and ample room for families to cook, live and relax in style. The townhomes will offer private single car garages at grade, generous three- or fourbedroom floorplans on three levels, plus a basement, ranging from 1,910 to 2,215 sq. ft. Step out your front door to the revitalized public park with a playground, a basketball court, seating area and a walking trail. Pickering’s City Hall, Main Central Library and Recreation Complex
are just a short drive away offering amenities and enriching programs for the whole family. Located near Hwy. 401 is Pickering Town Centre, an approximately one million sq. ft. regional shopping centre with more than 200 retailers, restaurants and services. An enclosed convenient pedestrian bridge connects Pickering Town Centre to the Pickering GO Station, a major transit hub, with all day train service on the Lakeshore East line, making commuting a breeze. Frenchman’s Bay offers a superb range of natural, recreational, heritage, arts and cultural attractions for residents and visitors. It is the spectacular natural landscape and abounding recreational opportunities
that make Frenchman’s Bay a coastal haven for outdoor enthusiasts. At the southern tip of Liverpool Road, past the cafes, specialty shops and fine restaurants of The Nautical Village is Millennium Square, a public square where open-air concerts are often staged in the summer. You can’t miss Frenchman’s Bay Marina and the significant presence of boaters and sailing activity in the surrounding waters during the summer months. To the southeast is Beachfront Park with its elevated boardwalk and beautiful views across Lake Ontario. Here, you can settle in for a picnic on the beach while the children enjoy the splash pad or playground. If you’re in the mood to exercise or explore,
then head into the Waterfront Trail system that encircles Frenchman’s Bay and runs east and west alongside the Lake’s shoreline. Three major trails – perfect for cycling, running or walking – traverse protected wetlands and woodlots, bluffs, beaches and expansive conservation areas. Don’t miss the opportunity to own and live in a naturally beautiful, inspired village by the Bay in a well constructed and attractive home with nearby conveniences to meet the lifestyle demands of modern families. Pre-construction sales will commence summer 2017.
Location
Pickering Builder
Madison Group Development
Frenchman’s Bay Home Type
Contemporary townhomes and detached singles Contact
madisongroup.ca
Register online at madisongroup.ca to receive priority updates. APRIL 15 - 29, 2017 | NEW HOME GUIDE 25
Trending
Budget 2017 comes up short in addressing pressing affordability issues By Wayne Karl
BUDGET 2017 MAKES HOUSING a
priority, proposing to spend more than $11 billion over 11 years in a variety of initiatives, but so far fails to address key market related issues – again. “The housing-related allocations in this budget are principally for affordable and social housing, so the key challenge of affordability for market-rate housing, and especially for first-time homebuyers, remains an issue,” Kevin Lee, CEO of the Canadian Home Builders’ Association (CHBA), told New Home Guide. To help address immediate housing needs, Budget 2016 committed to invest $2.2 billion over two years, to give more Canadians access to more affordable housing. To supplement these investments, Budget 2016 also provided funding for low-cost loans and new financing tools to encourage municipalities, housing developers and non-profit housing providers to develop more affordable rental housing units. To build on these efforts, Budget 2017 proposes to invest more than $11.2 billion over 11 years in a variety of initiatives designed to build, renew and repair Canada’s stock of affordable housing, and help ensure that Canadians have affordable housing that meets their needs. These investments will be made as part of a new National Housing Strategy. To be released later this year, the Strategy was developed following extensive consultation with and input from provinces, territories, municipalities, Indigenous Peoples, industry experts, stakeholders and Canadians who are living with the challenge of finding adequate and 26 YPNEXTHOME.CA
MORE TRENDING ONLINE ypnexthome.ca/news
affordable housing in many of Canada’s big cities and rural and remote communities. Key elements of the Strategy will include: » A renewed partnership between the government and provinces and territories to better support key housing priorities. » A new $5-billion National Housing Fund to address critical housing issues and better support vulnerable citizens. » Targeted support for northern housing. » Targeted housing support for Indigenous Peoples not living onreserve. » Renewed and expanded federal investments to combat and prevent homelessness. » Making more federal lands available
for the development of affordable housing. » Expanded funding to strengthen Canada Mortgage and Housing Corp.’s housing research activities. A Renewed Federal-ProvincialTerritorial Partnership in Housing Budget 2017 proposes to provide approximately $3.2 billion over the next 11 years to provinces and territories to support key priorities for affordable housing. These priorities may include the construction of new affordable housing units; the renovation and repair of existing housing; rent subsidies and other measures to make housing more affordable; and other initiatives to support safe, independent living for Canada’s seniors, persons with disabilities and other individuals …continued on page 28
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requiring accessibility modifications. This investment will be provided through a new, expanded, multilateral investment framework that will replace the existing Investment in Affordable Housing initiative, which is set to expire at the end of 2018-19. Housing Statistics Framework As part of the National Housing Strategy, Budget 2017 proposes to provide $241 million over the next 11 years to CMHC to improve data collection and analytics. To address data gaps in nationwide housing data, Budget 2017 also proposes to provide $39.9 million over five years, and $6.6 million per year thereafter, to Statistics Canada to develop and implement a new Housing Statistics Framework. This investment is over and above investments under the National Housing Strategy. Statistics Canada will begin publishing Housing Statistics Framework data in the fall of 2017. New National Housing Fund Budget 2017 proposes to establish a National Housing Fund to address critical housing issues and prioritize support for vulnerable citizens, including: seniors; Indigenous Peoples; survivors fleeing situations of domestic violence; persons with disabilities; those dealing with mental health and addiction issues; and veterans. Administered through CMHC, the Fund will receive an investment of $5 billion over the next 11 years. The National Housing Fund is intended to: » Encourage greater collaboration and investment in housing: To pool resources among many housing partners, including governments, the private sector and community organizations, to prioritize largescale community renewal projects. » Expand direct lending for new rental housing supply and renewal: Provide municipalities and other housing partners with sustained 28 YPNEXTHOME.CA
Budget 2017 proposes to provide approximately $3.2 billion over the next 11 years to provinces and territories to support key priorities for affordable housing. and improved access to low-cost loans for the repair and renewal of housing units, as well as for the construction of new affordable housing, through the Affordable Rental Housing Financing Initiative. This will leverage billions of dollars available for investment in affordable housing, and help improve the quality and condition of affordable housing across Canada. » Support for innovations in affordable housing: CMHC will make up-front capital contributions available to affordable housing providers. This will encourage innovative approaches to housing development, such as energy efficiency retrofits to lower utility costs, and accessibility modifications to expand the range of housing options available to Canadians living with disabilities. » Preserve the affordability of social housing: CMHC will provide temporary funding to social housing providers as they transition to more sustainable operating models. » Support a strong and sustainable social housing sector: CMHC will also establish a Sector Transformation Fund and Technical Resource Centre to provide technical assistance, tools and resources to help social housing providers transition to more efficient and financially sustainable operating models. Further details about the National Housing Fund will be announced as part of the launch of the National Housing Strategy later this year. “As expected, this budget allocates social infrastructure money to priorities that the government has identified to help those in housing need, but it also wisely holds some back for the complete National Housing Strategy later this year,” says Lee. “This will allow for more
innovative solutions, which are needed to make public dollars go the furthest, for the most people, in the most effective ways.” Given the challenges facing firsttime homebuyers, more mechanisms to support well-qualified buyers are still needed, to ensure young families are not locked out of homeownership. “CHBA will continue to make recommendations through the National Housing Strategy process, and other initiatives, that can get to the root problems of housing affordability and fix them,” says Lee. Examples would include addressing housing supply issues, and curbing the excessive regulation and red-tape that keep family-oriented housing from being developed at sufficient pace, in sufficient numbers, at a price people can afford. Despite that affordability for market-rate housing wasn’t addressed in Budget 2017, there has been a gross lack of data in Canada on key aspects of the housing market, Lee says. “More data gathering and analysis that can support sound policy decision-making to best address affordability challenges are welcomed by CHBA, and were a specific recommendation from our association.” “We would have liked to have seen a strategy around how the government will give relief to firsttime home buyers, especially in areas in and around our major cities where the greatest percentage of Canadians live,” says Christopher Alexander, regional director at ReMax Integra, Toronto. “While the data collected through the Housing Statistics Framework will help guide future decisions, there is not much in the plan as to what action could be taken in the immediate future to help first-time buyers access the market, especially in regards to the serious supply issue in Toronto right now.”
APRIL 15 - 29, 2017 | NEW HOME GUIDE 29
OHBA Report
The quest for energy-efficient housing continues By Joe Vaccaro
MORE ADVICE ONLINE ypnexthome.ca/news/advice
YOU MIGHT BE surprised to know how much housing in Ontario and Canada has evolved over the past 70 years. For example, did you know that in the early 1940s, 44 per cent of homes had no indoor flush toilets and 93 per cent of homes were heated by coal, coke or wood fuel? While the Ontario government moves forward with its Climate Change Action Plan (CCAP) announced in 2016, the Ontario Home Builders’ Association (OHBA) and its members have been initiating and supporting programs designed to build and renovate more energy-efficient homes for almost 20 years. In 1998, OHBA and the Canadian Energy Efficiency Alliance partnered to form EnerQuality, whose mission is to accelerate housing innovation and improve building performance in Ontario. EnerQuality offers certification through these programs:
» Energy Star for New Homes: Homes that receive this label are about 20 per cent more energy efficient than those built to the minimum Ontario Building Code standards, and reduce greenhouse gas emissions by two to three tonnes a year per house. In 2014, 32 per cent of all homes built in Ontario were Energy Star-qualified. » GreenHouse Certification certifies homes that meet highperformance standards in water 30 YPNEXTHOME.CA
efficiency, indoor air quality and resource management. » R-2000 certified homes offer both energy efficiency and Green building features that exceed energy-efficiency building code requirements by 50 per cent. Only licensed R-2000 builders who have been trained and certified can build R-2000 homes. » Net Zero/Net Zero Ready Homes: These homes are designed, modelled and constructed to produce as much energy as they consume on an annual basis. You may also come across the term, LEED (Leadership in Energy and Environmental Design). This voluntary rating system evaluates environmental performance from a whole-building perspective over a building’s life cycle. As of 2015, LEED buildings have eliminated 1,261,016 CO2e tonnes of GHG emissions annually, diverted more than 1.5 million tonnes of waste from landfill, and have saved 12.8 billion litres of water per year. And when you’re ready to resell
your home or condo, there are also ways to fast-track home energy retrofits, which command a higher resale price. The OHBA supports the Ontario Ministry of Energy’s Home Energy Rating and Disclosure (HER&D) program, which would require Ontario homeowners to get an energy performance rating for their existing homes, and disclose that rating to prospective buyers. This would ensure homebuyers are fully informed about the energy use in a home before they buy. The province has also recently committed $100 million to help finance energy retrofits, including upgrading furnaces, water heaters and insulation, assisting homeowners in completing Green upgrades. In addition, the OHBA has recommended the provincial government implement a targeted Energy Efficiency Home Renovation Tax Credit in its upcoming budget that would encourage consumers to use legitimate contractors when making energy efficient upgrades to their homes. The quest for energy-efficient housing continues, and Ontario builders and renovators are up for the challenge. Much of the innovation and efficiency in homes has been pioneered by new home builders and we will continue to look for ways to reduce our dependency and consumption of energy in new homes. Joe Vaccaro is CEO of the Ontario Home Builders’ Association, the voice of the residential construction industry in Ontario representing 4,000 member companies organized into 31 local associations across the province. The industry contributes more than $42 billion to Ontario’s economy, employing more than 325,000 people across the province.
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APRIL 15 - 29, 2017 | NEW HOME GUIDE 31
Trending
Mismatch between housing supply and demographic demand in Canada THERE’S A QUESTION looming over every homebuyer, seller and real estate watcher in the Greater Toronto and Hamilton Area: what’s behind the housing affordability crunch? Following an in-depth analysis, the Canadian Home Builders’ Association (CHBA) has identified some key factors behind current housing market conditions. The research report, The Housing Supply Deficit – Not Enough Homes for Families with Young Children, points to a significant and growing mismatch between housing demand and what home builders are able to supply, given planning and zoning patterns and the lack of available serviced land. The report also comes with a warning: if current trends continue, Canada will see a shortfall of 300,000 family-oriented homes in the next 10 years. According to CHBA’s data, demographic factors are driving demand for lowrise houses suited to young, first-time home-buying families, as Canada experiences a “baby boomlet.” Simultaneously, aging Baby Boomers and older Canadians are not downsizing from their detached homes in the numbers predicted, opting instead to age-in-place. In fact, many Boomers are actually trading up to larger single-family units, creating a morepronounced shortfall of lowrise homes. “There has been a lot of commentary around what’s driving house prices in markets like the GTA and Vancouver. Much of this overlooks the fundamental factors of supply and demand, and the increasing number of young families trying to achieve home ownership,” says CHBA CEO Kevin Lee. “CHBA’s research shows that current
MORE TRENDING ONLINE ypnexthome.ca/news
patterns of urban development fail to address the needs of young families... There is a distinct lack of higherdensity, ground-oriented homes they can afford, such as townhomes, stacked towns and similar housing formats. This is the ‘missing middle’ in our largest and fastest-growing communities,” Lee adds. The effects of the lowrise shortfall are further amplified by supply constraints, including lack of infrastructure and developable land, development restrictions, NIMBYism, and municipal policies favouring highrise development. Canada has seen a 27-per-cent drop in the construction of lowrise homes since 2007. The fastest-
growing markets are experiencing a much more dramatic decrease. In the GTA for example, inventory of lowrise homes dropped 89 per cent in the last decade, and sits at historic lows. There is a particular shortage of higher-density, lowrise attached homes offering access to transit, which increasingly represent the “missing middle” of urban housing stock. “In markets experiencing strong economic growth and in-migration, these supply factors are a big part of what is fueling rapid price appreciation within the groundoriented housing segment. While some observers look for other explanations, and there are indeed other contributors, the ‘law’ of supply and demand remains pervasive,” Lee adds. “What we are seeing is the Millennial generation really struggle to find a place to live and raise their families in our largest cities, and this has worrying longerterm implications for them, these communities, and the economy at large. “Although there has been a lot of focus on trying to dampen prices, a big part of the solution is enabling a housing supply response. We’re not talking about ‘sprawl’ here, just about building smarter communities, including infill projects and transit-oriented development, that young families find welcoming and manageable with young children.”
D
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APRIL 15 - 29, 2017 | NEW HOME GUIDE 33
2/5/16 10:30 AM
Neighbourhood Profile
Downtown Whitby Fit for a variety of tastes and lifestyles
Fast facts Average household income
$73,786
Family structure
By Lauren Shorser
SINGLES
36%
COUPLES
34%
Own vs. rent
FAMILIES
m
30% 58% OWNERS
42% RENTERS
Education levels
MORE PHOTOS ONLINE
46%
33%
21%
HIGH SCHOOL
COLLEGE
UNIVERSITY
ypnexthome.ca/downtown-whitby SOURCE: ENVIRONICS
restaurants and quiet residential streets, Downtown Whitby caters to a variety of tastes and lifestyles. The area is attractive to families, with plenty of parks, schools and a public library. It also appeals to lovers of nightlife with its proximity to restaurants, pubs and entertainment. Downtown Whitby has some excellent shopping, and is close to highways and the GO station.
Meet the neighbours Downtown Whitby has an older than average population compared to the Durham Region, with 16 per cent of residents being over 65 compared to 12.1 per cent for Durham Region. Residents of the area have similar high-school completion rates as Durham Region, but the area has a lower than average income and higher unemployment rates.
Vibe The core of Downtown Whitby runs along Dundas Street. The main shopping area, with stores, restaurants, pubs, entertainment and businesses, is concentrated around Dundas and Brock, with the action extending several blocks in all directions. Outside the core, the residential streets are quiet and peaceful. There are lots of parks and greenspace, schools and a public library.
In the area Downtown Whitby is a familyfriendly neighbourhood, with elementary schools (English and French immersion), a high school and a boarding school. There is a large public library on Dundas Street and parks and parkettes are scattered throughout the area. The Kids Zone Family Fun Centre near the eastern boundary of the neighbourhood.
WITH A MIXTURE of lively stores and
Planes, trains & automobiles Downtown Whitby is close to Hwy. 401, a major east-west highway in Ontario. It is also close to several other smaller highways, as well as the GO train and subway station. Several bus routes run through the area. Streets in Downtown Whitby are wide, to accommodate multiple lanes of traffic, and mostly in good repair. Most streets are laid out in a grid pattern, making them easy to navigate. The good, the bad & the rest Downtown Whitby is a great place for people with all different types of lifestyles. Families are attracted to schools and parks, while singles and young professionals are drawn to the restaurants, pubs, and entertainment. Quick, convenient access to shopping and businesses appeals to people from all walks of life, and the area is easy to access by car or transit.
Lauren Shorser is a freelance writer. Her love of science and the written word led her to New Zealand where she completed a Master’s in Science Communication. She specializes in writing about science and the city.
34 YPNEXTHOME.CA
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APRIL 15 - 29, 2017 | NEW HOME GUIDE 35
Inspiration | STYLE FILE
Making your new backyard into the...
PERFECT SPACE By Lisa Canning | Photos by Larry Arnal
Creating your outdoor space can be a significant investment – and one you want to get right the first time. But with some strategy and great planning, you can create an outdoor oasis your family will love. It’s never too early to get started. Here are my tips to help you plan your outdoor renovation like a pro. 1. Determine your entertaining zones Very similar to how I would design any interior space, think about the “zones” or activities you want in your backyard. For example, do you want a place for lounging, eating, kids to do crafts, kids to play sports, space to prep meals or a pool? Figure out your priorities and then divide your space accordingly. Consider using pavers to create these unique zones. We created contrast strips of light and dark grey to create 36 YPNEXTHOME.CA
a special spot for our Weber Gas Grill, which we positioned very close to both seating areas, making meal prep and entertaining a breeze. 2. Determine your budget Set an actual budget, because unlike interior design, I would say there is less variety in cost of materials in outdoor goods. Meaning, with a chair for example, you can search long and hard and find something you like that
also might fit your desired budget. For outdoor materials, I would say you are simply more limited. So one must be even more strategic in spending their budget wisely. One strategic way I maximized my budget in my backyard was by using affordably priced furnishings and decorative items from Walmart. With coordinated collections you can add fun pops of colour and high style without breaking the bank.
DEFINE ZONES
3. Determine how high maintenance you want the space to be Whether you love to garden or don’t know your weeds from your flowers, pick materials that will serve your family best. I purposefully limited areas for grass and only planted flowers and plants that would be hearty and stand up to my rough-and-tumble children. For seriously low maintenance lawn mowing, check out the Husqvarna Automower, where you can literally put your feet up while your grass gets cut. 4. Create a colour scheme The same way I always allow a pillow, drapery fabric, or piece of art work inform my colour palette in my interior work, do the same for the exterior. In my case, I wanted the space to read very minimal, so we kept all the materials very neutral and cooler in tone. And then with my accessories we stayed with a palette of navy, teal and lime green, in keeping with some of the textiles and fun dish ware. The pop of colour against an otherwise neutral background is fun and youthful. Ensure you repeat a colour multiple times for the most cohesive look. 5. Consider integrating technology The final thing to consider to really look like a pro is technology. There are so many options for integrating sound into your backyard, but don’t let sound be the only thing you consider. Consider bringing in WiFi to make the space your outdoor office, a projector to turn any evening into a movie night, and – where space allows – a television integrated into a built in covered unit for real “wow” factor. And regardless, make sure you run power back there so you can plug in an outdoor air cooler like this one by Honeywell – because how awesome is that for your guests!
MORE INSPIRATION ONLINE ypnexthome.ca/news/inspiration
COOL DOWN
Source guide: Loveseat, arm chairs, coffee table, lanterns, decorative pillows, bar cart, blankets, towels, green planters, umbrella, carpet for picnic, outdoor cups, plates, platters: Walmart Genesis gas grill: Weber Outdoor air cooler: Honeywell Custom outdoor table: One One Eleven Designs Artificial grass: The Home Depot Black pergola: Lowe’s
Lisa Canning is an interior design consultant in Toronto Canada. Read more about her family friendly approach to design on her blog, lisacanning.ca
APRIL 15 - 29, 2017 | NEW HOME GUIDE 37
Advice | LEGALLY SPEAKING
What is a “mortgage cap”?
By Jayson Schwarz
MORE ADVICE ONLINE ypnexthome.ca/news/advice
TODAY I THOUGHT I would start by answering a question posed by one of our readers. The question relates to the issue of mortgages, and how long a “capped” rate remains in place. Let me begin by explaining about “capped “ rates. As a new-home purchaser, it is critical that you receive a bank pre-approval of your mortgage, in the form of a written commitment, for the money that you will need to buy the property. The mortgage commitment should provide, among other things, details regarding the amount of money, the length of the loan, the interest rate, and any special terms. The commitment 38 YPNEXTHOME.CA
should also provide for a very important item – how long the lender will guarantee the rate that has been committed to you. Okay, let me explain. Let us assume that on Jan. 1, 2017 you bought a property with a closing date of Dec. 31, 2017 and your rate commitment or “cap,” as shown on your commitment, is for a period of 14 months at 2.25 per cent. What this means is that, as long as the deal closes on or before the date that is 14 months from the date of the commitment, the bank will honour the rate they have agreed to. Sometimes deals get delayed past the time that the “cap” guarantees. What happens? Simply put, the lender no longer is legally bound to honour the original rate that was originally offered. In our example, if the rates increased to 3.5 per cent and the closing was delayed until June 30, 2018, the lender would have the option of telling you that the new rate was now 3.5 per cent.
There are more issues relating to this scenario, as you will have to decide if you still want the mortgage, and the lender will have to decide if it would still be prepared to give it to you. That is correct! Remember, if rates rise, the money needed to carry the same amount of mortgage also rises, so if you were tight on your financing before the rate increase, you may no longer qualify for the mortgage. The moral of the story is to ensure that you negotiate a “cap” for as long a period as possible. Quite often, the mortgages offered by the builders on-site have built-in extension protection. Ask for it as part of your purchase agreement from the builder or commitment letter from the lender. Jayson Schwarz LL.M. is a Toronto real estate lawyer and partner in the law firm Schwarz Law LLP. Visit online at schwarzlaw.ca or email info@ schwarzlaw.ca and send questions, concerns, critiques and quandaries
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APRIL 15 - 29, 2017 | NEW HOME GUIDE 39
Advice | NEWS AND VIEWS
Why we love The Six, and why people continue to flock here By Lydia McNutt
MORE ADVICE ONLINE ypnexthome.ca/news/advice
TORONTO CELEBRATED a big birthday recently – 183 years young – so I wanted to take this opportunity to give some credence to the cliche that Torontonians really are at the centre of the universe. Here’s why we love The Six, and why people will continue to flock here in search of “home.” The local economy is chugging along at a good pace, the real estate market is hot, and our sports teams always play to a packed house – even if they don’t win every time. On the international stage, our city is a shining star. Toronto was named North America’s most sustainable city in 2016 as per Arcadis’ Sustainable Cities Index; world’s most livable city in 2015 according to Metropolis Magazine; and best place to live according to The Economist in 2015. As for 2017, the year is still young. Toronto is the centre of the universe – at least for the 2.79 million people who call it “home” and the 100,000 newcomers who flock here every year. Toronto is Canada’s most populous city, and it’s growing by leaps and bounds. According to recently released census data, Toronto’s population swelled 6.2 per cent between 2011 and 2016, outpacing Canada’s population growth rate of five per cent, and Ontario’s growth rate of 4.6 per cent. That’s a lot of people moving into this 630.2 sq. km. hot spot. You can certainly expect some spill-over into surrounding areas. 40 YPNEXTHOME.CA
If you’re on the home hunt this spring, then you’re likely facing the urban/suburban debate, carefully weighing factors like cost, convenience and of course, commute times – we are talking about Toronto, after all. The reality is, Toronto is becoming harder to get into. Home prices are way up, demand continues to rise and supply is dwindling, thanks to land shortages courtesy of government policy that limits residential development in terms of area and type. With a resurgence in rental living as the affordable housing option of choice, competition and prices in the rental realm are rising too. Could this be a turning point for Toronto The Good? Not likely. If you’re already a homeowner in Toronto or surrounding area, consider yourself lucky. Logically, we know the real estate market has upswings and downturns. But if history has taught us anything, housing values will continue to rise in the long term. Ask your parents how much they paid for their home 30 years ago. Chances are, you’ll be pleasantly surprised at the increase. If you’re among the many who
hope to buy a home in the GTA, but are facing some affordability challenges, you’re not alone – and don’t count yourself out just yet. YOU’VE GOT OPTIONS Toronto’s housing landscape is evolving to accommodate the high demand for homes here. It’s true that lowrise housing may not be readily available – or affordable – in Toronto, leading some homebuyers to start scouring the suburbs for something within their price range. But there are plenty of affordable options, right here in The Six. Condo suites, stacked townhomes and traditional townhouses could put that coveted downtown Toronto address within your financial reach. Do your research and consider your options carefully. And here’s a word to the wise: buy now, while you still can! Lydia McNutt is an award-winning writer and the senior editor of New Condo Guide. Lydia’s love of architecture, interior design and the written word have landed her happily at YP NextHome, where real estate rules. Lydia can be reached at Lydia.McNutt@ypnexthome.ca, and follow her on Twitter @LydiasTweets
Model Home Photo Compliments of Fieldgate Homes | www.fieldgatehomes.com
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 Fieldgate Homes has been featured as “Model HOME Of The Month� as seen in the New Home Guide model home calendar
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 FRENCHMAN’S BAY
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
42 YPNEXTHOME.CA
RADIANCE By: DIAM Developments City: Innisfil Housing type: Townhomes with up to five bedrooms from the upper $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
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APRIL 15 - 29, 2017 | NEW HOME GUIDE 43
LATEST LISTINGS
Find your next home! Find more properties at ypnexthome.ca
…continued from page 42
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
BOXGROVE VILLAGE
TIFFANY HILL
VILLAGE GREEN
By: Arista Homes City: Markham Housing type: Family sized freehold townhomes and live/work towns boxgrovevillage.com
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
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
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 DOWNSVIEW PARK By: Stafford Homes City: Toronto Housing type: Three- or four-storey townhomes staffordhomes.ca 44 YPNEXTHOME.CA
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 2.29
3.65 3.39
4.39 4.09
4.64 2.49
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
2.59
2.67
4.64
3.24
3.49
3.69
3.79
6.95op 4.55 6.45op 6.95op
Equitable Bank HSBC Bank Canada
2.25
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 27, 2017. Prepared By Fiscal Agents Financial Information Services 905.844.7700
APRIL 15 - 29, 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
PRICE RANGE
PIN
MAP FINDER
T
98
24O
D
T
91
27O
D
T
44
24N
70
25N
from $390,000
70
25N
from $820,000
51
18E
Madison Group
Frenchman’s Bay
madisongroup.ca
Mattamy Homes
Queen’s Common
mattamyhomes.com
Mattamy Homes
Seaton Taunton
mattamyhomes.com
27
Reid’s Heritage Homes
Madison Lane
madisonlanecondos.com
15
Treasure Hill Homes
Orchard West
treasurehill.com
T
Treasure Hill Homes
Shift
treasurehill.com
T
Treasure Hill Homes
Urban Town Living
treasurehill.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
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
Treasure Hill Homes
Acacia Estates
treasurehill.com
Treasure Hill Homes
The Estates of King Township
treasurehill.com
D
Fieldgate Homes
City Towns Valley Lands in Brampton
fieldgatehomes.com
D
Fieldgate Homes
Lotus Pointe Caledon
905-838-2806
D
Fieldgate Homes
Valley Lands
905-457-0445
D
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
Treasure Hill Homes
Tiara Estate Collection
treasurehill.com
T
C from $700,000
North 7
16/17
9
D S
T
from $560,000
20
12E
S
T
from $560,000
20
12E
51
18E
$600,000
65
20E
from $700,000
52
17D
74
16I
86
19E
56
16J
87
16I
$310,000 D T D T D
S T
from $2360,000
West
23
S
S
T
from $400,000
26
9P
T
from $724,000
23
8M
T
from $900,000
26
9P
T
$200,000
30
8V
from $537,000
24
8P
59
6S
60
7O
93
8O
29
7V
78
11L
T T
D
C
T
from $1000,000
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 Andrin Homes
Glenway in Newmarket
GlenwayLiving.com
D
Fieldgate Homes
90 Niagara
416-981-0036
D
Fieldgate Homes
Aurora Trails
fieldgatehomes.com
D
23
Fieldgate Homes
BlueSky Stouffville
905-640-0002
D
23
Fieldgate Homes
City Lux Towns
fieldgatehomes.com
D
23
Fieldgate Homes
IMPRESSIONS
fieldgatehomes.com
D
Fieldgate Homes
Zigg
416-545-0223
D
Forest Hill Homes
Bridle Path of Thornhill
foresthillhomes.ca
D
Forest Hill Homes
Cornell Rouge
905-472-9556
Forest Hill Homes
Jefferson Forest
foresthillhomes.ca
Geranium Homes
Corporate
Geranium Homes
from $700,000
68
18F
T
$346,000
35
16S
T
from $620,000
14
19G
from $750,000
12
22J
T
53
16L
T
3
12K
T
36
16R
from $2900,000
50
16E
T
from $950,000
16
23M
D
T
from $1200,000
10
18J
geraniumhomes.com
D
T
Twelve on the Ravine
12ontheravine.com
D
T
from $1700,000
89
22P
Geranium Homes
Vista at Cardinal Point
vistaflatsandtowns.com
D
T
from $420,000
12
22J
Great Gulf
Corporate
416-449-1340
T
Madison Group
Cornell Rouge
905-472-9556
T
$950,000
16
23M
Madison Group
Cornell Rouge
905-472-9556
D
S
$900,000
16
23M
Mattamy Homes
Alderidge
mattamyhomes.com
D
S
from $1230,000
82
13S
Mattamy Homes
Canopy at Downsview Park
mattamyhomes.com
37
15P
Mattamy Homes
Cornell
mattamyhomes.com
17
22M
Mattamy Homes
Cornell
mattamyhomes.com
17
22M
Mattamy Homes
Corporate
mattamyhomes.com
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
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T
95
20P
Mattamy Homes
Upper Summerside
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T
42
19R
Mattamy Homes
Vita on the Lake
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39
14S
Rosehaven Homes
Corporate
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T
Treasure Hill Homes
Aurora Views on Wellington
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57
19H
Treasure Hill Homes
Time
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72
18H
Treasure Hill Homes
Victory Heights
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6
18L
29
Briarwood Homes
Young’s Cove
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23
Fieldgate Homes
Whitby Meadows
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31
28N
5
19
5
BC
IFC/1
11
S
D
T
from $2900,000 C
D
T
S
C
C
East
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S D
T T
from $390,000
Property Type D Detached S Semi-Detached T Townhome
Baxter
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8th
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A
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Scotch
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27-28
24-25
Sideroad
Sideroad 27-28 Sideroad
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Ave
Pape Ave
Jarvis St
35
Queen St W King St W Front St W
Parliament St
Browns Line
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Bloor St W Harbord St Wellesley St College St Carlton St Gerrard St
University Ave
r vic e Rd
Moore Ave
Bro adv iew
Christie St
Se
Laird Dr
36
Mt Pleasant Rd
St Clair Ave W
Toronto Avenue Rd
e
B
1
Davenport Rd Dupont St
Lansdowne Ave
Edgewood Rd
Po Lawrence Ave W
Va ug ha nR d
Ossington Ave
Moffat Rd
York Mills Rd
Spadina Rd
Rogers Rd
Roncesvalles Ave Weston Rd Keele St Parkside Dr High Pk
Carey St Rd
Shep
Eastern
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Rd
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Rd
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19
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Cu
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Old
Caledonia Rd
39
d nR sto We
Lake Shore Blvd W
Park Lawn Rd
Judson St
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Prince Edward Dr Royal York
Norseman St The Queensway
Allen Rd
k Cr Dr Blac
ay sw
The East Mall
Burnhamthorp eR d Bloor St W
Runnymede Rd
ia Rd Caledon
Th
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Drewry Ave
Senlac Rd
37 Wilson Ave
Rathburn Rd
82
Wilson Hts Blvd
Downsview
Maple Leaf Dr
Etobicoke
Tho
North York
Grandra v i ne D
Tre the wey Dr
Centre St
71
r
Islington Ave
400
Sen tinel D r
Oakdale Rdy
River
New W estmins ter Dr
Norfinch Dr Dr
Finch Ave W
Rexdale Kipling Ave
Meddaugh Rd
Keele St
Jane St
Weston Rd
40
HWY
n ow thd Sou
Middletown Rd
Langstaff Rd
Carrville Rd
Summeridg e Dr
Dr or ds Win yal Ro
Dr Ford
Middletown Rd
Peter Rupert Ave
55
Langstaff Rd
Weston Downs
53
St rr Ke
Rd
Richm
McNaughton Rd
Eastlake
d ell R rtw Cha
Middletown
Dufferin St Teston Rd
49
Bass Pro Mills Dr
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Martin Grove Rd
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Rd
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Lennon Rd
Bathurst St
Weston Rd
Jefferson
Gamble R
4th e Lin
Rd
Dufferin St
Jane St
Mill Rd Pine Valley Dr 72
Evans Ave Horner Ave
Barrie St
Fraser St
Jane St
Wanda St
Rd Wist Rd Davis
Bloomington Rd
King-Vaughan Rd
Kirby Rd
Rutherford Rd
73
The Westway
The West Mall d lR Mil
ve rA ate Rd Atw re ho kes La
74
56King Rd
11
Dixon Rd
Renforth Dr
Rd
Sideroad 10
Coffey Rd
7th Concess ion
87
Kipling Ave Clarence St
Carlingview Dr
Rd thra Caw QEW
la eo Min
McKinstry Rd
Sideroad 5
Rupke Rd
8th Concess ion
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409
427
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Best Rd Skelding Rd
Dawson Rd
Allin Rd
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Gibbs Rd
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17
Cooney Rd
Jewel Rd Vickers Rd
Gamsby Rd
Lawrence Rd
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35 115
Arthur St
Bell-wood Dr
Golf Course Rd
Moffat Rd
Lockhart Rd
King St Stephenson Rd
Mill St
Riley Rd
V
Squair Rd
East Region
U
Kirby
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Waverly Rd
T
West Region North Region
42
Darlington Clarke Townline
Providence Rd
Lambs Rd
Bowmanville P
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Nixon Rd
O
Concession Rd 3
Main St
Queen St E
oners St
4
Leskard Rd
N
Bragg Rd
Mearns St
Baseline Rd
Cole Rd
Mearns Ave
Concession St 57
Bethesda Rd
14
Acres Rd
Middle St
Green Rd
Presto nva le R d
5th
Sdrd
English Rd
Dukelow Rd
17
Cameron Sdrd
Ma ple
Be ac h
Rd
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Cr
Holmes Point Rd Victoria S
M tP lea sa nt Tr ail
Duclos Rd
La ke Dr
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St ou ffv ille
ed Rd
35 Concession Rd 10
New Park
Concession Rd 7
Liberty Rd
Sew ells
Dick Re
River Rd
Murphy Rd
Longsault Rd
Concession 2
Boundary Rd
M Clarington
Concession Rd 4
Maple Grove Rd
Hancock Rd
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Nesbitt Line
Cedardale Rd
7A
Yelverton
Concession Rd 8
y kw
LAKE ONTARIO
3rd Concession
View Lake Rd
Woodley Rd
Holt Rd
Rundle Rd
Trulls Rd
Courtice Rd
401
2
Maple Grove
5
I
Cartwright East Quarter Line
Solina Rd
Washington Rd
Tooley Rd
Townline Rd
34 Bloor St
HWY
Concession 11 Concession 10
20
Taunton Rd
Salem
H
Concession 4
Hampton
Nash Rd
Concession 12
J
Cedar Park Rd
Vannest Rd
Concession Rd 6
Pebblestone Rd
G
Concession 3
Lettner Rd
Old Scugog Rd
Ormiston Rd Langmaid Rd
e Murray Av
Dovehaven Rd
McLaughlin Rd
Union School Rd Wotten Rd
Enfield Rd
Townline Rd
P
ll i p
Hoyer Rd
Nestleton Rd
Cartwright West Quarter Line
Sandy Rd
Graham Rd Russell Rd
59
Solina
Mitchell’s Corners
62 hi
Enniskillen 3
Sand Bar Rd
Ogemah Rd
Washburn Island Rd
Rd
Wilson Rd
Olive Ave
22 rth St Went wo
60
55
58 King St
Bond St Gibb St
Grandview St N
Ritson Rd
Harmony Rd
Burns St
35
Adelaide Ave
Park Rd
Stevenson Rd
Halls Rd
Pickering Beach Rd
Shoal Pt Rd
Westney Rd
Harwood Ave
Henry St
Salem Rd
Hopkins St
Dundas St
Valentia Rd
Eldon Rd
Beacroft Rd
Mississaugas Trail
He ad Conlin Rd
54
Mariposa/Ops Bdry
Bush Rd
White Rock Rd
Fingerboard Rd
Sim coe St
Simcoe St
Stevenson Rd N
Garden St
Cochrane St
Brock St
53
Concession Rd 10
Concession Rd 7
Oshawa 52
Grandview St N
Harmony Rd N
Ritson Rd
Thornton Rd
Thickson Rd
Anderson St
Country La
McQuay Blvd
Halls Rd
Ravenscroft Rd
Victoria St
36
4
Mountjoy Rd
57
Janetville
Fallis Rd
Cadmus
Devitts Rd 57
Byers Rd
3
34
Nestleton
McKee Rd
Concession Rd 9
33 2
Bradburn Rd
Burketon
Boundary Rd
Winchester Rd
16
28 Ma nn in g Rd
Taylor’s Rd
Barry’s Rd
Station Rd
Till Sdrd Stevenson Rd N
Duffs Rd Cedarbrook Tr
Columbus
Whitby
Eden Rd
Eldon Rd
Sideroad 18 Old Simcoe Rd
Diamond Sideroad
Bryant Sdrd
Country La Coronation Rd
Halls Rd N
Salem Rd
Westney Rd
Squire Beach Rd
Sandy Beach Rd
44
12
3143
91
41
24
Cochrane St
Kinsale Rd
Sideline 4
Greenwood Rd
Riverside Dr
Church St
Liverpool Rd
Valley Farm Rd
2
Columbus Rd
3
Lyndebrook Rd
Rossland Rd
Ajax
26
19
Raglan Rd
Raglan
7 12
Howden Rd
Brooklin
Taunton Rd
Shirley Rd Coates Rd
Myrtle Ashburn Rd
Sideline 2
Myrtle Rd
Ashburn
5th Concession Rd
31
Scugog Line 3
t Rd
Malcolm Rd
Edgerton Rd
Church St
2
Scugog Line 2
Brawley Rd
Greenwood
oin
Scugog
Scugog Line 4
Heron Rd
Dagmar Rd
Balsam Rd
Paddock Rd
31
HWY
Rd
Bayly St
98
Grey Sideroad
Rd st Ma
Lakeridge Rd
High P
Concession 14
Proutt Rd
Reach St
Chalk Lake Rd
Mount Zion
70 Brock Rd
ton gs Kin
Balsam Sideline 5
Sideline 22
Sideline 22
Whites Rd
Dixie Rd
Rosebank Rd
Finch Ave
38
East Ave Port Union Rd
Lawrence Ave E
West Hill
44
Sheppard Ave
eE Av
Guildwoo d P
Altona Rd 27
Sideline 12
Sideline 24
7
Concession Rd 3
rd pa ep Sh
Meadowvale Rd
nR sto ng Ki
Beare Rd
Scarborough 42 St Clair Ave E Rd rth nfo Da
Milner Ave
89
Military
Morningside Ave
Dr
Bellamy Rd
Eglinton Ave E
Old Finch Ave Rd
4th Conc Rd
Plug Hat Rd
il Tra
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
Birchmount Rd
ath le P Brid
Brimley Rd
Don Vally Pkwy
Don Mills Rd
95Ellesmere Rd
Sewells Rd
Sheppard Ave
Neilso n R d
Nugget Ave
E Ave evin McL
Whitevale
Westney Rd
Sideline 14
Sideline 22
Sideline 24
North Rd
Sideline 28
Steeles Ave E
Sideline 14
Sideline 16
Sideline 20
Sideline 26
Sideline 34
71
Box Grove
Tapscott Rd
Middlefield Rd
Leslie St
tingwood Dr H un
401
rD no
Pickering
407
11th Line
ark Dr
Denison St
404
O’Co n
wy
14th Ave
71
Markham Rd
n Rd Alde
eppard Ave
Mortimer Ave
7
Hill
8th Concession Rd
Whitevale Rd
Agincourt
erlea Blvd Ov
7th Concession Rd
7
Passmore Ave
Eglinton Ave W
ns P k
17 16 Locust
HWY
McNicoll Ave
ost Rd
u se
Markham-Pickering Townline
Co
9th Line
Unionville
Esna P
ummer Ave
n Ave
d
Main St
Woodbine Ave
Leslie St 12
ornhill
llowdale
17th Ave
Markham 73
07
John St
Major Mackenzie Dr
25
al
16th Ave
Reesor Rd
6
69
Glen Major
Claremont
57
Jobb Rd
Uxbridge Pickering Townline
5
Elgin Mills Rd
67
Webb Rd
Altona
Dicksons Hill
48
D on
Warden Ave
mond Hill
65 Kennedy Rd
Victoria Square
McCowan Rd
19th Ave
29
41 49
Main St
Pine Pt Rd
Ma Brown’s Rd
Beacock Rd
Pine Rd
1
Sideline 32
Jefferson
Glasgow
Stouffville 12 10th Line
Rd
Stouffville Rd
14
n Sideroad St
Markham Rd
10
Bethesda Rd
Bethesda
Rd
Scugog Line 6
Houston Rd
Allbright Rd
F
Mabels Rd
L AKE SCUGOG
Utica
Brock Rd
Yonge St
Sunset Beach Rd
Secord Rd
nd Isla
Epsom
Ried Rd
40
Whitchurch-stouffville
Demara Rd
Whitfield Rd
Scugog Line 8
Ward Rd
Cottage Rd
Rainbow Ridge Rd
7
8
21
47
34
Sideroad 18A
Goodwood Rd
HWY
Ridge Rd
R
Prouse Rd
Sideroad 18A
Uxbridge
Hillsdale Dr
Spadina Sdrd
Brookdale Rd
47
E
28
7 Mile Chandler Dr Island Rd
Harper Rd
Scugog Line 9
HWY
. La ier oz Cr
7
Cross Creek Rd
Pogue Rd
Clements Rd
Scugog Line 9
Medd Rd
Wagg Rd
Blackwater Rd
O’Beirn Rd
8th Conc Rd
d
47
7th Conc Rd
Vandorf Rd
Aurora
Wetheral Sdrd
Jesse Thomson Rd
Re ach St
HWY
D
Ramsey Rd
L
17
Kent St
4
Cricket Hollow Rd
16
Hood Dr
C
Ranch Rd
Seagrave Cookston Rd
4
Long Rd
Little Britain Rd
Little Britain Rd
Zion Rd
Algonquin Rd
Scugog Line 12
Cragg Rd Canton Rd
8
6th Conc Rd
8
Aurora Rd Lak es
e hor
enderson Dr
Ballantrae 15
Scugog Line 12
Ball Rd
Roseville Siloam
St Johns Rd
7 12
Marsh Hill
23
4th Conc Rd
57
St John’s Rd
Wesley Cors
Saintfield Blue Mountain Rd
Uxbridge
3nd Concession Rd
72
14
Royal Oak Rd
Fenelon Bdry
Dewdrop Rd
Cresswell Rd
Salem Rd
Little Britain Rd
6
B
Taylor Corners
Farmstead Rd
Kawartha Lakes
Brock-Scugog Townline Rd
1
Feasby Rd
2nd Concession Rd
Bayview Ave
Wellington St
Woodbine Ave
26
Sideroad 17
Cherry St Faulkner Ave
Bogarttown
Farmstead Rd
Pinedale
Scugog Line 14
Marsh Hill Rd
1
St John’s Sideroad
Bow St
7 7th Concession
6
Oakwood
7A
Cambray
GrahamRd
13
Victoria Corners Rd
A
18
Manilla
2nd Concession
Victoria Corners
9
Skyline Rd
9th Concession
6th Concession
Foster Dr
Davis Dr
Cedar Valley
Vivian Rd
74
4th Concession Sideroad 17
Mulock Dr
11
York-Durham Line
Newmarket
Weirs Rd
Sandford
Sunderland
Goos
Quaker Rd
5th Concession
13
Kennedy Rd
Sandford Rd
Sideroad 17A
Davis Dr
Sideroad 17
68
Vallentyne
Shier Rd
West Franklin
Brock Rd
19
Bales Dr
13
Leaskdale Rd
Ashworth Rd
King St
Peniel Rd
46
10th Concession
21
Camero 9
Rd
33 The Glen Rd 34 Black School Rd
11th Concession
Islay
Rd
9
Valley
32 12
8th Concession
6
Grasshill
Woodville
Cannington
9th Concession
Vrommanton
23
8th Conc Rd
Herald Rd
St
Udora
Zephyr Rd
6th Concession Rd
ain M
82
Linden
31
Derryville 12
St
King
2
Concession
30
Brock
Woodville
2
5th Concession Rd
Green Lane
Hollingers Rd
9th Concess ion
Rd Franklin
38
iller’s Sideroad
39
t
14th
29
Hartley
Lorneville
10
5th Concession Rd
Mount Albert Rd
13
12
Wilfrid
10th Concession
Fowlers Rd
4th Concession Rd
Rd
65
3rd Concession Rd
Farr Ave
13
Brewster Rd
Zephyr
Meyers Rd
Doane Rd
Bridle Path
Ravenshoe Rd
39
Centre St
51
77
Hornes Rd
East Gwillimbury
Doane Rd
ng ndi La
Morning Sdrd
Queensville Sideroad
Queensville
86
45
51
48 Orchard Ct
Sand Rd
d
d
3
2nd Concess ion
77
1 Ho ham Sdrd lla nd d
Cedarbrae
Foot Dafoe St St
Holborn Rd
28 13th Concession
Rd
Q u a r ter
Lorneville
46
Brock-Thorah Townline East
Concession
21
Old Shiloh Rd
Leitch Rd
Cole Rd
Cedarbrook Dr Rd
Old Homestead Rd
Smith Blvd
Brown Hill
Boag Rd
Maple Hill
8
27
Lake Ridge Rd
Ravenshoe
Morning Glory Rd
Georgina Prout Rd
Boag Rd
Rd
26
Concession Rd 3 Thorah
Concession Rd 2 Thorah
48
14th
81
Frog St
2nd Concession Rd
38
Holborn Rd
ing ter Ca
79
Audubon Way
Miles Rd Blake Ave
Holland Marsh Leslie St
10th Line
32
18
Latimer Rd
Dr
Ravenshoe Rd
Rd
Carley Rd
The Queen sway
West ury
st re nc ve Ra
25
Weir’s Sideroad
Pollock Rd
Glenwood Ave
Line 12
Cryderma n’s Rd
Morton Ave
COOK’S BAY
24
Dr
g Irvi n
Lloyd Sdrd
Baldwin Rd
Line 13
Rd
23
Mile Lane nt ry Bethel Side Rd
Virginia
Park Rd
Gilford Rd
Rd
BrockThorah Twnl W
Thorah Beach Port
Point
P e ff e r l a w
22 Cou
Old Homestead Rd
River
Sutton
Maple Beach
Duclos Point
Rd
Island View
Stoney Batter Rd
21
Black Hi
Rd 9 ing
Lockie Sd Rd
Church St
Fennell
mp Ho us e
Base Line Rd
8A
Briars 80 Pk
St gh
20
Jacksons Point
3
Rd
e dge
Park Rd
3
Deer Park Rd
Boyers Sideroad
Rd
Lasher La Valley Vie w
4
DeGrassi Point
19
20th Sideroad
18
Line
h ore
Dalton Rd
rchill
The Que ensw ay
Harbour St Pine Ave
Killarney Beach Rd
Roches Point
Island Grove
Metro Rd
Willow Beach
Rd
t tS ar Ew
39
3rd
e Lak 78
H
Belle Aire Beach Rd
Lake
Dr
S
d eR
Mapl
nnisfil
23
Nantyr Park
Civic Cen tre
20th Side road
Line
Line
Old
7th
6th
Cate r
Nantyr
John’s Rd
Barclay
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