Property Highlights

Soaring Ceilings & Elegant Design

Step into the charming entryway and take in the 16 ft ceilings that flood the space with natural light. The open-concept main floor is thoughtfully designed for both everyday living and effortless entertaining.

• Bright living room with stone-surround gas fireplace

• Modern kitchen with granite countertops & upgraded ceramic tile

• Renovated 2-piece powder room featuring a stone accent wall & new vanity

Luxurious Bedrooms & Bathrooms

Upstairs, the primary bedroom retreat offers a peaceful escape with:

• A spacious walk-in closet

• Stunning 5-piece ensuite with his & hers sinks, deep soaker tub & separate shower

• Second and third bedrooms feature custom wainscoting, generous dimensions, and upgraded light fixtures

Beautiful Finishes Throughout

There is upgraded wide-plank hardwood flooring in a soft modern tone, creating a clean, upscale feel throughout. Designer wall sconces, California shutters, and pot lights add warmth and style.

Outdoor Living & Finished Walkout Basement

The cozy lower-level rec room includes a stylish feature wall and opens directly to the oversized 22×19 ft deck—ideal for hosting family and friends.

• New fence (2018)

• Natural gas BBQ hookup

• Play area and fire pit zone

• Rare 2-car tandem garage with inside access + 2-car driveway parking

• Stone block division between homes for enhanced noise reduction and fire protection

Check out the Multimedia Tour

A Family-Friendly Location in Caledon

38 Meadowcreek Road is nestled in the sought-after Strawberry Fields community—just steps from Wilson Park, top-rated schools, and a variety of recreational amenities. Enjoy a short walk to local shops, cafes, and everyday conveniences. Commuting is a breeze with easy access to transit and major highways. Check out more about the neighbourhood here.

Inclusions & Exclusions

Included:
Fridge, Gas Stove, Rangehood, Built-in Dishwasher, Washer & Dryer, All Electrical Light Fixtures & California Shutters, Ring Doorbell, Beam Central Vac, Garage Fridge & Automatic Garage Door Opener, All Shelves, Natural Gas Hookup for BBQ

Excluded:
All TVs & brackets, soundbars, Bedroom curtains, Shelves in 2nd & 3rd bedrooms

Note: Hot Water Tank is a rental.

Ready to View This Beautiful Home

OPEN HOUSE SAT MAY 24 2-4pm

Don’t miss your chance to own this gorgeous executive townhome in Caledon, Ontario! With rare upgrades, 4-car parking, a walkout basement, and a family-friendly location—it checks all the boxes.

Contact Milana today to book your private showing or for more information on this stunning Caledon property. 

Are you thinking about buying your forever home? Find out how you can take the first steps to do that here.  

The post 38 Meadowcreek Road For Sale, Caledon appeared first on Milana Cizmar.

If you’re looking for a home in Etobicoke you might want to check out this one in Norseman Heights, this beautifully maintained 3-bedroom bungalow at 46 Cardigan Road is an incredible opportunity. Nestled on a quiet, tree-lined street in one of Etobicoke’s most family-friendly neighbourhoods, this home blends timeless charm with modern updates—offering comfort, privacy, and long-term investment value.

Property Highlights:

• Solid 3-Bedroom Bungalow with updated interiors

• Bright open-concept living room with an elegant fireplace

• Renovated eat-in kitchen with granite countertops

• Hardwood floors throughout the main level

• Renovated lower level with:

  • Additional bedroom

  • 3-piece bath

  • Spacious rec room with a gas fireplace

  • Laundry area & workshop

• Engineered hardwood & ceramic tile flooring

• Sun-filled backyard with interlocking patio—perfect for entertaining

Located on a spacious lot in Norseman Heights, this is a home that offers room to grow. Whether you’re a first-time buyer, a growing family, or an investor seeking a property with expansion potential, 46 Cardigan Road is a smart move.

Prime Location in Norseman Heights, Etobicoke

This home is steps to Lora Hill Park, making it ideal for families who love green space. The Norseman Heights neighbourhood is known for its excellent schools, safe community feel, and easy access to major amenities.

Walk to:

• Top-rated schools

• Local shops & restaurants

• Public transit (TTC)

• Parks and green spaces

With quick access to Highway 427, QEW, and Gardiner Expressway, commuting is a breeze—making this location both peaceful and practical.

Inclusions:

Fridge, Stove, Rangehood, Washer, Dryer, All Electrical Light Fixtures, All Blinds, Shelves in Second Bedroom, Remote for Basement Gas Fireplace, Garage Door Opener (As Is).
Hot Water Tank is a rental.

Exclusions: Curtains

Why Norseman Heights?

Norseman Heights is one of Etobicoke’s hidden gems—offering a quiet, family-focused atmosphere with the convenience of city living. Properties here are in high demand due to the larger lots, quality schools, and strong community vibe. Whether you’re planning to live in, renovate, or invest, this area consistently shows strong property value appreciation.

Ready to explore 46 Cardigan Road in person?
Contact me today 647-225-8255 to book your private showing or learn more about homes for sale in Norseman Heights, Etobicoke.

Email milana@mcizmar.com or DM on Instagram

The Toronto Real Estate Board District for this home is W07 a larger area called Stonegate-Queensway. Interested in learning more about this district? 

Let me guide you through the Stonegate-Queensway neighbourhood for this listing.

Thinking about buying your next home and have a house to sell?

If you’re thinking about a move and wondering what your current home might be worth, I can help you get started. Find out now what your home is worth in today’s market. Knowing your home’s value is an important first step when planning your next purchase, and this quick tool can help you make informed decisions with confidence.

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Mortgage Renewing in 2025? Tips to Save Money!

Royal LePage’s 2025 Mortgage Renewal Survey recently revealed around 1.2 million mortgages will renew in 2025, with 85% secured when interest rates were at or below 1%. Mortgage Renewing in 2025? Tips to Save Money!

While rates have declined since mid-2024, they remain above pandemic-era lows, meaning many homeowners will face higher mortgage costs upon renewal.

“When it comes to post-pandemic mortgage renewals, many Canadians have avoided the worst-case scenario of having to sell their homes due to the inability to cover the cost of their mortgage, thanks to solid employment trends and declining interest rates,” said Phil Soper, president and CEO, Royal LePage. “Nevertheless, some will face a substantial rise in their mortgage costs, putting added pressure on their household finances. Many in this situation are exploring options to lower their monthly fees, such as extending their amortization period; a tactic which has proven popular.”

1 in 10 Homeowners are also considering downsizing, relocating, or renting amid mortgage renewals. Are you one of them?

Variable-rate mortgages rise in popularity

With interest rates on a downward trajectory, variable-rate mortgages are gaining in popularity. According to the survey, 66% of Canadians with a mortgage renewing this year say they plan to obtain a fixed-rate loan upon renewal (down from the 75% who currently hold fixed-rate mortgages), and 29% say they will choose a variable-rate loan (up from the 24% who currently hold variable-rate mortgages).

Since last summer, the Bank of Canada has made several cuts to its overnight lending rate amounting to a decline of 200 basis points thus far, driving variable mortgage rates down in tandem. For homeowners looking to reduce their monthly payments or pay down their principal faster, variable-rate mortgages have become an increasingly attractive option in light of today’s declining rate environment and the likelihood of further cuts this year,” added Soper. 

Mortgage Stress Test Removal: More Flexibility for Homeowners at Renewal

In November 2024, OSFI (The Office of the Superintendent of Financial Institutions) removed the mortgage stress test for uninsured borrowers switching lenders at renewal, as long as loan terms remain unchanged. This change benefits homeowners by offering more flexibility to explore refinancing options without the stress test barrier. It allows homeowners to shop for better rates, reduce borrowing costs, and consider adjusting their mortgage terms without facing stringent eligibility requirements. Overall, this gives borrowers a greater opportunity to manage their finances and potentially save money in a fluctuating market.

Timing Your Next Home Purchase Could Save You Money

When you receive your mortgage renewal notice, it’s important not to accept the first offer you receive. Instead, take the time to explore various payment plans and compare options from different lenders to ensure you’re getting the best deal available. By shopping around, you may be able to secure a better interest rate, lower monthly payments, or more favorable loan terms.

This change makes it easier for homeowners to refinance and secure competitive rates without facing additional hurdles, ultimately allowing them to save money and better manage their finances.

So there you have it. Mortgage Renewing in 2025? Tips to Know to Save Money! Reach out to me, and together, we’ll make sure you make the most of your renewal and your next move.

The post Mortgage Renewing in 2025? Tips to Save Money! appeared first on Milana Cizmar.

If you’ve been searching for the perfect condo in Toronto but haven’t had any luck, now might be the ideal time to explore a unique opportunity. Boutique buildings in the city offer a distinct and often elusive charm, combining modern amenities with a more intimate, community-oriented atmosphere. Whether you’ve faced challenges with availability, pricing, or simply haven’t found the right fit, discovering a condo in a boutique building could be the solution! 

Welcome to 94 Trinity Street Unit #1 Just Steps to the Distillery District! An Inviting and Trendy Condo in a Great Location just Steps to the Distillery District! Great Opportunity to be in a Low Rise Building that feels like a House. New Laminate Flooring Throughout, Elegant and Sophisticated Fireplace, Renovated Bathroom, Large Primary Bedroom with a Walk-out to Balcony that Overlooks the Backyard and Gardens. This is an 800 Square Foot Unit that is Freshly Painted and Has Lots of Natural Light, Ensuite Laundry and Good Oversized Closet. This is a Rare Opportunity to Own in this Low Rise Exclusive Boutique Building – Only 18 Suites in Total. Beautifully Kept Gardens and Property. A Walk Score of 98 = A Walker’s Paradise! 1 Parking Space and 1 Locker 

Include: New A/C Unit/Heater, New Fridge, New Stove, Rangehood & New Built in Dishwasher, All New Kitchen, Bedroom & Bathroom Ceiling Light Fixtures. New LED Undermount Lighting in Kitchen, New Electric Fireplace with Remote & Mantel Piece, Washer & Dryer, All Electrical Light Fixtures, All Window Blinds & Mounted TV.

Hot Water Heater is rented at $19.14 / month

View More Photos Here: 

The Building also known as Trinity Courtyards was built in 1987 and features an Exercise Room, Recreation Room, Party/Meeting Room, Sauna & Visitor Parking. BBQ and pets are also permitted.  This is a great entry price to own your very own 800 square foot condo in a prime location in the vibrant neighborhood of the Distillery District. It has a blend of historic charm and contemporary vibes. It is surrounded by cobblestone streets and Victorian-era buildings, this area offers a unique atmosphere that attracts both locals and tourists alike. 

EXCLUSIVE LISTING at 94 Trinity Street #1 in Toronto

This property provides a rare blend of exclusivity, style, and location, making it a coveted option for those seeking something truly special in Toronto’s vibrant real estate market.

What is near by?

Within walking distance from 94 Trinity Street, you’ll find an array of attractions and amenities to cater to various interests and preferences. 

1. Distillery District: As one of Toronto’s most iconic destinations, the Distillery District is renowned for its rich history, art galleries, boutiques, and trendy cafes. Strolling through its pedestrian-friendly streets, you’ll find art installations, artisan shops, and numerous cultural events throughout the year.
2. Restaurants and Cafes: Food enthusiasts will love the diverse culinary scene surrounding 94 Trinity Street. Cozy cafes serving artisanal coffee and pastries to upscale restaurants offering international cuisines. There’s something for everyone. Craving Italian, Mexican, or contemporary Canadian fare, you’ll find plenty of options within a short walk.
3. Shopping: There is an eclectic mix of boutiques and specialty stores nearby. Explore local designers’ creations, unique home decor items, and fashion-forward clothing boutiques. Additionally, the nearby St. Lawrence Market offers a bustling marketplace where you can find fresh produce, gourmet foods, and artisanal goods.
4. Cultural Attractions: Living near 94 Trinity Street means being in close proximity to various cultural attractions and entertainment venues. From art galleries showcasing local talent to theaters hosting live performances and film screenings, there’s always something inspiring to experience in this dynamic neighborhood.
5. Outdoor Spaces: For those who enjoy spending time outdoors, there are several parks and green spaces nearby where you can relax, go for a leisurely stroll, or enjoy a picnic. Corktown Common, with its scenic views of the city skyline and walking trails along the Don River, is a popular spot for outdoor recreation.

Interested in knowing more about this property or would like to book your private viewing. Please get in touch with me today. 

The post EXCLUSIVE LISTING in Toronto 94 Trinity Street #1 Steps to the Distillery District! appeared first on Milana Cizmar.

Where to start your etobicoke home search? One of the first places to start.

Where is the right neighbourhood for you? Discover how to choose the perfect neighbourhood in this video.

How to save thousands of dollars off your mortgage! 5 Great tips to help you pay off that mortgage sooner!

The post BLOG appeared first on Milana Cizmar.

Let’s take a look at what happened this past March.

Covid 19 clearly impacted the housing market however, the late March numbers do suggest there was activity in the marketplace. There were a lot of people who sold homes before the outbreak started and may still NEED to find a home today. The real estate industry is deemed an essential service BUT, it is not business as usual. If you do not HAVE to buy or sell a home, you should not be on the market. Please do your part and help us all flatten the curve.

The Government of Ontario is prohibiting in-person open houses during the Covid 19 Pandemic and the Toronto Regional Real Estate Board TRREB provided its Members with guidelines for social distancing. I have moved a lot of my business online so I can conduct it virtually. I am constantly monitoring the situation on a daily basis and I’m available anytime if you would like to discuss any of your concerns. We could have a phone call or even a zoom meeting if you would like to speak virtually. It really is the way business will be conducted moving foward. 

A lot has happened to your everyday routine, you may be working from home, have reduced hours or maybe you’ve been laid off and unsure how you are going to pay your bills and/or mortgage. Should you defer your mortgage payments? If this is something you are contemplating, I am providing you with a handout from one of my trusted mortgage advisors with all the Government and Bank initiatives and corresponding info click here. In the case of COVID-19, this deferral period can be up to six months. But, please do keep in mind though, this is not free money and your interest will still accrue on your mortgage payments. You may even see double payments when they become due! Think about this very carefully, if you can make your mortgage payments I strongly advise you to do so.

RBC Bank has put out a great ‘ Skip a Payment ’ tool to help you understand how deferring your payment will work. The calculator will show you the amount owing AFTER any deferred payments to give you an idea of how much it will cost you. If you are really struggling to pay your bills then, deferring might be the way to go as it will free up your money. 

COVID-19 has also clearly changed the outlook for this year. I will keep you up to date with current market activity and anticipated forecasts about your most precious investments.

Please get in touch with me with any questions you may have and check back often for updates. I’m here to help you as best I can. I truly hope you are healthy, safe and isolating at home.

The post Amidst the Covid 19 Pandemic – Should you defer your mortgage? appeared first on Milana Cizmar.

Have you been thinking of selling your home and in the back of your mind you’re trying to figure out where to invest your money, so you get the most return on your investment? If so, you are not alone. I hear this question all the time from my clients who want to make some improvements to sell or to add value that will attract a lot of buyers down the road, when it is time to sell.

You might dream of putting French doors and a Juliet balcony in the master bedroom, but if your kitchen is twenty-five years old—you are better off directing your home improvement dollars there. Buyers generally focus on kitchen and bathroom quality, along with overall living and storage space.

Another point, kitchen and bathroom remodeling projects are among the most disruptive undertakings, so buyers especially appreciate upgraded fixtures, appliances and décor in these rooms.

How to Add Value to Your Home Contest

Want to know more? I’ve got good news! I’m running a contest and giving away a few copies of How to Add Value to Your Home by Scott McGillivray, Star of HGTV’s Income Property, Moving the McGillivray’s and more.  All you have to do is send me an email with an explanation of why you NEED a copy of this book. I’ll randomly choose the winners from the emails I receive and announce the results in next month’s blog post.

Send your entry to milana@mcizmar.com  with your name, address and explanation. (Only 1 entry per address)

I can’t wait to read your entries! Good Luck to Everyone!

The post How to Add Value to Your Home Contest! appeared first on Milana Cizmar.

It’s a New Year with a fresh start for new possibilities. That means it’s time for you to take action.

It’s always great to have dreams but what about finally making them your reality? Look around you and you’ll see plenty of examples of other people living the lives of their dreams. Don’t you think it’s about time for you?

It really isn’t as hard as you think. There is some careful planning involved and a lot of persistence but that’s half the fun of accomplishing anything in life isn’t it?

For example: Your dream home is just that: a dream. But is it? You drive by certain neighbourhoods in Toronto and admire many homes and think “someday”. Now as yourself: what is really stopping you? Are you putting it off because you think you can’t afford it? Or do you just need some straight facts to actually start making this dream a reality. Don’t let any of that stop you. I can help!

Take action before another year passes you by…

There are a few things you can do right now. You may want to just start looking at homes on the Internet to see what they really cost…please visit my website at www.mcizmar.com to get a feel for what is currently on the market. I have a simple search tool that shows you all the houses that are available.  While you are there, download my FREE report to find out the 3 Signature Strategies You Must Have in Place BEFORE you even look at any houses!  

You can also fill out my simple form for a home search and I can do the heavy lifting for you and zoom in on EXACTLY the type of house you are looking for.  I can send you email updates and you don’t even have to lift a finger to keep your pulse on your potential dream home!

Can I show you how to make this a reality for you and put you in your “Dream Home” in 2017.

I can take you from start to finish making the process a whole lot easier than you think and maybe even fun for you!  So, what are you waiting for? Take the first step. Feel free to call  me at 416-762-8255 or e-mail me today if I can answer any questions or make any suggestions to improve your home’s curb appeal.

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Thank you to all who entered in their drawings. We had so much fun reviewing them all and I absolutely loved the creativity and imagination that was displayed. Each day the contest got harder and harder because the drawings were ALL so good and it was hard to choose.

So, we created a few more categories of winners and the top 5 categories are shown below:

$50 GRAND PRIZE WINNER – JACOB

$25 SECOND PRIZE WINNER – JAMES

$25 SECOND PRIZE WINNER – MIRANDA

THIRD PRIZE WINNER – MIA

THIRD PRIZE WINNER – RYAN

FOURTH PRIZE WINNER – SOFIA

FOURTH PRIZE WINNER – DOMENIC

FIFTH PRIZE WINNER – DAVID

FIFTH PRIZE WINNER – SIOBHAN

CONGRATULATIONS TO ALL and stay tuned for information on new contests coming soon!

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