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New1 day ago

440 Sandford Street

Central Newmarket, Newmarket

$1,059,000

Detached|2-Storey
4 | 3 | 5
About this home

The first thing you notice walking up to 440 Sandford is how much work has been done. Roof, windows, siding, soffit, fascia and eavestrough all new in 2021, brick painted white, windows in black, landscaping established with trees planted, and a new garage door in 2026. The sellers carried the same standard inside. Engineered hardwood on the main in 2024 and upstairs in 2025, basement and carpet in 2024, furnace 2023, water softener 2025, and a garage finished top to bottom. Most houses at this price come with a to-do list. Here, the list has been done. For the next owner, that means no roofers, no window quotes, and no first summer lost to contractors- just a house ready to be lived in. 4+1 bedrooms and 2.5 baths, with four well-proportioned bedrooms full of character. Curb appeal lands first, and the interior keeps that promise. The back half of the 57 x 106 ft lot belongs to the saltwater pool. Southern exposure keeps the sun on the water from morning through evening. Pool equipment 2025, liner 2019, deck and fence 2020. A deck wraps the pool end to end, a pool bar sits to one side, and a covered dining area keeps the evening going when the sun gets heavy, or the weather turns. Open the pool in spring, and the rest of summer takes care of itself: long weekends, late dinners outside, and a yard everyone gravitates to from May through September. Newmarket's Main Street is a 10 to 15-minute walk, with shops, restaurants, the Saturday farmers market, the splash pad and summer street festivals. Walking trails nearby, everyday retail minutes away.

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agent
Macallum Tepsich
(647) 326-2579
TypeDetached
Style2-Storey
Approx. AgeNot available
Size1500-2000 sq. ft.
Property Tax$5,750
Lot Size57.95 ft x 106 ft
mls© NumberN13858642
Listed ByBOSLEY REAL ESTATE LTD.

Listing History

  • No recent sale history for this listing.
  • No recent lease history for this listing.

Schools

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What the bank counts

This home's actual carrying costs, payment stress-tested at 6%

Mortgage, tested at 6%
$5,420
Property tax
$479
Heat allowance
$150
Housing costs
$6,050 / mo

Lenders cap these at 39% of gross income — that sets the number.

Down payment20% · $211,800
25-yr amortization

Income needed

$186,000

gross annual household income

Payment at 4%
$4,456 / mo
Cash down
$211,800

Assumes no other monthly debts · 25-yr amortization

Full affordability check

Investment Analysis

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