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Property Type: OtherOwnership: Freehold
48 GARNER Road W
Ancaster, ON L9G3K9
MLS® 40858522
$1,099,000
3 bed2.5 bath2,021 sqft
Property Details
Property & Lot
- Lot size
- 2.99 acres
- Frontage
- 210 feet
A2, P7
Ownership & Fees
- Property type
- Other
- Ownership
- Freehold
- Annual property tax
- $4,233
Interior
- Basement
- Unfinished, Full
- Heating
- Hot water radiator heat, Natural gas
- Cooling / A/C
- None
- Fireplace
- Yes (1)
- Appliances
- Washer, Refrigerator, Stove
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| 4pc Bathroom | Second level | — |
| Bedroom | Second level | 10'2'' x 14'6'' |
| Bedroom | Second level | 10'8'' x 19'4'' |
| Primary Bedroom | Second level | 12'1'' x 19'9'' |
| Den | Main level | 11'4'' x 12'1'' |
| 2pc Bathroom | Main level | 5'3'' x 4'6'' |
| Kitchen | Main level | 10'9'' x 19'8'' |
| Dining room | Main level | 10'9'' x 18'4'' |
| Living room | Main level | 12'0'' x 23'5'' |
| Foyer | Main level | 10'1'' x 14'3'' |
Description
Rare opportunity to own almost 3 acres within Ancaster's urban boundary! The property retains a unique farm element and offers many permitted uses subject to applicable approvals. Surrounded by mature trees, it is minutes from schools, shopping, parks, restaurants, amenities and highway access. The charming 3-bedroom home offers comfortable living spaces, a functional layout and excellent potential to update and personalize. A picturesque red carriage house provides parking for three vehicles and a workshop, ideal for storage, equipment or hobbies. A rare combination of acreage, agricultural character and urban convenience in Ancaster. (id:63159)
Listing Information
- MLS®
- 40858522
- Data last synced
- September 28, 2026
Royal LePage State Realty Inc.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: Royal LePage State Realty Inc.
MLS® Number: 40858522
Listing data is sourced from CREA DDF®, the Canadian Real Estate Association (CREA) Data Distribution Facility. Listing information is deemed reliable but is not guaranteed accurate by CREA or the listing brokerage. Data provided courtesy of Cornerstone Association of REALTORS®.
Values & Trends
This listing
$544/sqft
Building average
—
No other active listings in this building
427 - Maple Lane Annex average
—
No comparable active listings
Parking: Not indicatedStorage locker: Not indicated
Per-stall/locker dollar values aren't itemized in our data source — shown as included/not indicated only, not a fabricated estimate. $/sqft averages are computed live from other active listings, not a third-party model.
Location Insights
Weather
Nearest station: Hamilton
9°C
Clear
Humidity 93%
Wind SSE 5 km/h
Tonight
8°
Thursday
21°
Thursday night
6°
Friday
14°
Friday night
2°
Saturday
14°
Source: Environment and Climate Change Canada.
Nearby Places
Restaurants (1)
Similar Listings Nearby
No similar listings found nearby right now.
Mortgage & Ownership Cost Calculator
Minimum required: 7.7% ($84,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$879,200.00
Periodic payment — Principal & Interest (monthly)$5,672.30
Additional monthly expenses (condo fees, tax, utilities, etc.)$453.75
Total monthly cost$6,126.05
Interest paid over 5-yr term$251,981.25
Balance at end of term$790,843.24
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$84,900
Stress test qualifying rate8.19%
Payment you must qualify for$7,863.07
Cash Needed at Closing
Minimum down payment$84,900
Estimated Land Transfer Tax (LTT)$18,455
Legal / closing costs (typical estimate)$1,500
Total cash needed$104,855
Minimum down payment: 5% on the first $500,000, 10% on the portion up to $1.5M, 20% at/above $1.5M. Stress test: OSFI's minimum qualifying rate, the greater of contract rate + 2% or 5.25% — this is what lenders require you to qualify at, not what you'll actually pay. Closing costs are a typical-range estimate, not a quote — actual legal fees vary. Land Transfer Tax is the Ontario provincial schedule, before any first-time buyer refund; only the City of Toronto charges a municipal land transfer tax on top, so none applies in the areas this site covers (Ontario Ministry of Finance, ontario.ca/document/land-transfer-tax, as of October 28, 2026). Verify all figures with a mortgage broker and lawyer before relying on them.