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1049 - Rural Halton Hills, Halton Hills
$1,299,990
Wake up to the peaceful sound of the Credit River at this inviting bungaloft, set on a gorgeous 0.72-acre property in Terra Cotta. Backing directly onto the river and surrounded by mature greenery, this is a setting that invites you to slow down and enjoy every season outdoors. Sip your morning coffee by the water, entertain on the two-tiered deck or explore nearby trails and conservation areas. Terra Cotta is loved for its quiet village character, beautiful countryside and year-round recreation-an ideal match for nature lovers and active lifestyles. Lovingly cared for and upgraded over the years, the home offers a flexible layout that can evolve with your needs. Off the foyer, the living room and sunroom capture extraordinary views across the property. Complete with a 4-pc bath and direct deck access, this versatile space could function as additional living quarters, a private area for extended family or a peaceful everyday retreat. Above, a bright loft with skylights and windows extending across the wall provides inspiring green-space views. Use it as a home office, reading nook, creative studio or optional bedroom. The renovated kitchen combines quartz counters, solid-wood soft-close cabinetry, a waterfall island, stainless-steel appliances and deck access-bringing the natural setting into daily life. The adjoining family room is warm and comfortable, while two updated bedrooms and renovated main-level bathroom provide an easy, functional layout. The finished basement adds a spacious bedroom, bathroom and extensive built-in storage, providing flexibility for guests, hobbies or multigenerational living. Major improvements include updated siding and insulation, a whole-home Generac generator, Carrier heat pump, refurbished septic, updated windows and roof, garage door and epoxy flooring, plus a water softener, reverse-osmosis drinking water and UV treatment. A riverfront setting offering privacy, versatility and the beauty of Terra Cotta right outside your door.
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| Type | Detached |
| Style | Bungalow |
| Approx. Age | 51-99 |
| Size | 1500-2000 sq. ft. |
| Property Tax | $4,902 |
| Lot Size | 102.13 ft x 281.93 ft |
| mls© Number | W13788558 |
| Listed By | Royal LePage Real Estate Associates |
Listing History
- No recent sale history for this listing.
- No recent lease history for this listing.
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Could you afford this home?
What the bank counts
This home's actual carrying costs, payment stress-tested at 6%
- Mortgage, tested at 6%
- $6,654
- Property tax
- $409
- Heat allowance
- $150
- Housing costs
- $7,212 / mo
Lenders cap these at 39% of gross income — that sets the number.
Income needed
$222,000
gross annual household income
- Payment at 4%
- $5,471 / mo
- Cash down
- $259,998
Assumes no other monthly debts · 25-yr amortization
Full affordability checkInvestment Analysis
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