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4836 45 HIGHWAY
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Beds
3
Baths
4 full + 1 half
Sqft
—
Year
—
Type
Single Family
On market
127d
Nestled on almost 5 acres in the sought after hilltop community of Deerfield Estates with stunning panoramic views, this beautifully renovated estate home complete! This fully finished home offers gorgeous finishes, features and craftsmanship throughout that are sure to impress. The open concept main living area features a chef's kitchen with quartz countertops, WI pantry, Island with breakfast bar and loads of storage. Natural light floods in through huge windows to the show-stopping Great Room, plus two separate patio doors give access to the landscaped patio AND a deck that extend your living space even further! Imagine peaceful evenings under the stars, relaxing and watching the fireflies dance. Two large bedrooms, a full bathroom along with a laundry room and a powder room offer main floor conveniences for the whole family. Upstairs, the Primary Suite is a dream come true with not one, but TWO WI closets, an oversized luxurious ensuite with soaker tub and WI glass/tile shower plus an additional room that could be used as a dressing room or more storage. The lower level completes the home with an office space, media room, huge recreation with wet bar and full bathroom...a perfect retreat for teens & guests. A walk-up from the basement to the attached two-car garage could allow for a separate in-law suite. Notables include luxury vinyl plank & ceramic flooring, municipal water, efficient heat pump. Located minutes to the lakeside Town of Cobourg With amazing beaches, shopping, hospital and fantastic restaurants, and just 40 minutes to the Oshawa GO! LISTING PRICE REFLECTS EXPANDED HST NEW RESIDENTIAL REBATE FOR ELIGIBLE PURCHASERS. (id:65958)
Lower level
| Room | Dimensions | Features |
|---|---|---|
| Media | 5.48 × 3.99 meters | |
| Recreational, Games room | 8.83 × 3.99 meters | |
| Office | 3.62 × 3.99 meters | |
| Utility room | 6.64 × 4.29 meters | |
| Bathroom | 2.98 × 1.58 meters |
Main level
| Room | Dimensions | Features |
|---|---|---|
| Kitchen | 5.39 × 4.17 meters | |
| Pantry | 1.52 × 1.7 meters | |
| Dining room | 3.04 × 3.47 meters | |
| Great room | 6.7 × 6.7 meters | |
| Partial bathroom | — | |
| Bathroom | 2.13 × 3.35 meters | |
| Bedroom 2 | 3.65 × 3.35 meters | |
| Bedroom 3 | 3.65 × 3.35 meters | |
| Laundry room | 2.46 × 2.37 meters |
Upper Level
| Room | Dimensions | Features |
|---|---|---|
| Bathroom | 3.35 × 4.14 meters | |
| Other | 2.22 × 1.7 meters | |
| Primary Bedroom | 4.26 × 7.07 meters |
10-item due-diligence checklist. We can pre-flight most of these for you on a CMA call.
Comparable sales
Ask for 3–5 recent solds within ~1 km and the same beds/baths so the list price has context.
Property condition
Roof age, furnace age, hot-water tank age, electrical panel size, windows. Cosmetic vs structural.
Zoning
Confirm zoning matches your intent (single-family vs duplex vs secondary suite vs commercial).
Suite legality / potential
If suited or being marketed as suited: confirm permits, separate entrance, ceiling height, egress windows.
Monthly carrying cost
Mortgage + property tax + insurance + condo fee (if any) + utilities. Compare to your max budget.
Property taxes
Confirm the annual tax amount on the current assessment — and whether a reassessment is pending.
Insurance estimate
Get a same-day quote. Older homes, knob-and-tube wiring, polybutylene plumbing, flood plains all change the number.
Commute
Drive it (or transit it) at the actual time of day you'd commute. Map ETA lies during peak hours.
Deposit and financing conditions
Deposit size, financing condition window, condition removal date, possession date — all negotiable.
Inspection considerations
Budget for a home inspector ($500–700) and any specialty inspections (sewer scope, mould, asbestos for pre-1990 builds).
Cash on cash
-0.67%
Cap rate
4.73%
GRM
13.9
Break-even rent
$9,151
Financing
Operating expenses (monthly)
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Approximation only. Actual cash flow depends on financing terms, condition reports, current market rents, property tax assessment, condo fees, and tenant quality. Defaults: 4.5% rate, 30-year amortization, 5% vacancy, 1%/yr maintenance, 0.5%/yr CapEx reserve, $80/mo insurance. Property tax estimated at 0.55%/yr where not provided. Talk to a mortgage broker before relying on these numbers.
Rough ballpark only. Pick a down-payment option, then tap any underlined number below to plug in your real numbers — tax, condo fee, insurance, utilities. Total updates live. Confirm with a mortgage broker before writing an offer.
Cost lines (tax, condo, insurance, utilities) are editable inline above. These two control the mortgage payment math.
Approximation only. CMHC default insurance is included when down payment is under 20%. Property tax and condo fees come from MLS when listed and may not reflect the current billing year. Suite rental income depends on permits, market rent, and vacancy — confirm with a property manager. Always validate your scenario with a mortgage broker and your insurance provider before writing an offer.
We'll reply by text within a few hours. Comparable sales, condition flags, things worth checking — sent before you book a showing.
Listing brokerage
Listing brokerage on file
Listing data via CREA DDF®. Information is deemed reliable but not guaranteed accurate by CREA. Last updated May 12, 2026.
Buyer-fit signals
Derived from listing data and nearby-amenity proximity. Verify anything that matters to your decision — distances are approximate.
Nearby school, halal, mosque, grocery, park, and transit layers are still being built for Hamilton Township (Baltimore). The listing facts above are live; the neighborhood-intelligence layer needs POI coverage before it can score this address properly.