Condo town to freehold detached.

1034 Reflection Place, Unit 304. We sold it in August, and the family moved into a detached home with a garage and a yard. Here is exactly what it cost them.

We sold their condo townMultiple offers · 14 days · 111% of asking

$645,000

Detached, builder's priceThe number on the sticker

$960,000

Ontario's 2026 HST rebateThey were not first-time buyers. They still qualified.

−$89,204

What they actually paidDetached. Garage. Yard. No condo fee.

$870,796

Their condo town, all in$3,163 mortgage · $415 fee · $466 taxes

$4,044/mo

Their detached, all in$3,951 mortgage · no fee · $609 taxes

$4,560/mo

Only $516 more a month — and that already counts commission and selling costs, land transfer tax and closing costs, higher property taxes, and no new savings, just the proceeds of the sale.

Call or text Team Rajpal · 647.372.2997 Run your own numbers →

Estimates only — not tax, legal or mortgage advice. A real Team Rajpal transaction; sale price and date from the MLS® record. The original purchase assumes 20% down at 5.99% over 30 years. The move-up assumes 4.5% selling costs, with land transfer tax, legal fees and builder adjustments paid out of the proceeds and no further funds added; the balance is financed over 30 years at 4.09% and, because the down payment lands under 20%, includes mortgage insurance. Property taxes on the detached are estimated from current assessment levels; utilities, insurance and maintenance are excluded. Your numbers will differ. The rebate requires a new home from a builder as a primary residence, with the agreement signed by March 31, 2027. Team Rajpal · RE/MAX Key 2 Real Estate, Brokerage · 2460 Brock Road, Unit C206, Pickering, ON · Not intended to solicit properties currently listed for sale.