Thinking about downsizing your family home? Here are some excellent options near Toronto; particularly if you live in Scarborough, Pickering, Ajax or Whitby. 

If you're contemplating a move to a smaller, more manageable home, you might be pleasantly surprised by the range of choices available. As a **downsizing specialist in Toronto**, I can help you find the perfect fit. Many retirement communities offer diverse home styles, prices, and ownership structures to suit your needs.  

As a specialist, I've done the work for you so you don't have to! 

Understanding Your Home Ownership Options in Ontario

Why don't you see properties advertised as "55+" condos or "seniors only" in Ontario like they have in other countries? 

It's because property ownership is governed by the Ontario Human rights code, which prevents discrimination.  This means that only certain properties can restrict ownership or occupancy by age. 

However if you’re looking for a home that’s geared to retirees or adult only you can choose a NORC, life or land lease.  

NORCs: (also known as Non Organized Retirement Communities) 

These communities don't have age restrictions but have become popular with retirees over time. They often feature great social activities and amenities geared towards their residents, with amenities sometimes being updated to suit current tastes - think squash courts being converted to Pickleball as a good example. 

Examples include condos at 10 & 20 Guildwood Parkway (Gates of Guildwood) and 1880 & 1890 Valley Farm in Pickering (Discovery Place).  These buidings are notable for being extremely well managed, have spacious suites & beautiful lanscaping and grounds:

It has great recreational facilites including several outdoor pools, clubhouses & tennis courts, plus a large recreational hub the "Swan Club" with indoor pool, gym, meeting areas all overlooking Swan Lake Park. 

Adult 55+ Active Lifestyle Communties

This is a marketing term used to describe communities where age can be restricted.  Often these communities boast premium amenities, like a golf course or putting green.  Anytime you see the word 'lifestyle' there will be the assumption that there is a premium, either to buy the home or for the monthly fees.   

Since 55+ communities, are age-restricted they will be either land or life lease properties.  Wilmot Creek in Newcastle is a great example, where you own the building, and pay monthly fees cover leasing the land your home is build on and access to their great recreational facilities. 

I've written an entire article about Wilmot Creek Here: 

Why Retire at Wilmot Creek

Affordable 55+ Retirement Communities 

If you're looking for an affordable option, there are two life lease properties in Scarborough with units available for under $300,000.  As I write this. And yes you read that right, you can buy a retirement apartment for under $300,000 in Scarborough.  

The first is at 50 Old Kingston Rd.  This low rise complex in Highland Creek features ravine views & an indoor pool.  All the apartments have private balconies or patios & parking.  This is perfect for **snowbirds** who want to keep a place in the city; or people who live at their cottage and just need a landing pad without having to rent something privately.  

The second is on Scarborough Golf Club rd.  Again, this low rise complex has many apartments overlooking the beautiful Cedarbrae Ravine. There's lots of clubs and social activities here.  

Bungalows 

Are you dreaming of a cute bungalow with main floor laundry, an en-suite bath, a walk-in closet, and a garage? There are some great options for you - starting with Swan Lake Village that I already mentioned.   You'll find bungalow retirement communities in Henderson Place in Ajax, and Lynde Creek Village in Whitby. Further east, consider Canterbury Commons in Port Perry or freehold bungalow communities in Coburg or Brighton.

Downsize with Confidence

Compiling information on these great communities has been my focus for years so you don't have to navigate the options alone. The good news is you can unlock the equity from your current family home and still retain the security of home ownership at pretty much any budget. There are great options near Toronto that allow you to remain connected to your family, friends, and community.

If you have questions about **downsizing in Toronto** or want to know more about specific communities, feel free to give me a call.

**Sue Anfang, Realtor**

*Cell: 416-562-5002*

*Website: SueSellsScarborough.com*

What Is Wilmot Creek?

Wilmot Creek is a popular 55+ adult lifestyle community in Newcastle, Ontario, part of Clarington on the beautiful shores of Lake Ontario. Known for its resort-style amenities and active retirement living, this gated neighbourhood features over 1,000 homes, many social clubs, activities galore  and a welcoming, close-knit atmosphere.

At the heart of Wilmot Creek is a  9-hole golf course and a large recreation centre, making it one of the most sought-after active adult communities near Toronto. Homes are situated on leased land, with monthly fees covering utilities, amenity access, landscaping, and snow removal—providing a truly maintenance-free lifestyle.  Read more about how that works when you're purchasing below in the "Buying in Wilmot Creek" section

The community is gated for security and privacy, with a calm, golf-cart-friendly environment (yes—residents often cruise around in their golf carts!). Roads inside Wilmot Creek are limited to 30 km/h, adding to its safe and relaxed atmosphere. 

Recreation & Amenities at Wilmot Creek

One of the main reasons people choose to buy a home in Wilmot Creek is the incredible range of amenities and activities designed for an active, social, and wellness-focused retirement lifestyle**:

Highlights include: 

Golf: 9-hole course steps from your front door

Swimming: Two outdoor pools and an indoor pool

Sports courts: Tennis and pickleball

Fitness & activities: Gym, large event hall, woodworking shop, craft rooms

Lifestyle features: Dog run, community gardens, waterfront walking trails

Social clubs: Arts & crafts, gardening, photography, and much more

Events: Bingo, dances, live shows, movies, potlucks, and card nights

At Wilmot Creek, there’s always something happening—whether you want to stay active, meet new friends, or simply relax by the water.

Location & Surroundings

Wilmot Creek enjoys a prime location in Newcastle, Ontario, just east of Bowmanville and less than an hour from Toronto. With easy access to Highway 401, residents can quickly reach Durham Region, the GTA, or the Kawarthas for weekend getaways.

Many of the homes, along with the golf course and recreation complex, feature stunning Lake Ontario views—a rare feature that makes Wilmot Creek one of the most desirable retirement communities in Ontario.

Homes in Wilmot Creek

What Types of Homes Are Available at Wilmot Creek? Homes in Wilmot Creek are bungalows, designed for comfort and convenience of one level living.   Floorplans typically feature open living spaces, single-floor layouts, and low-maintenance designs that suit a relaxed retirement lifestyle. 

Older homes in the community are built without a traditional basement; newer builds have a full foundation and some also have garages.  Over time some homes have been renovated, others are in what is called 'original condition'.  Homes here range in age from 1987 - recently built.  Here are some pictures to give you an idea of the styles:

Unlike a traditional subdivision, Wilmot Creek homes are located on leased land.  Residents own their homes but lease the lot. Monthly fees cover land lease, amenities, groundskeeping, and services like snow removal—making life virtually maintenance-free.    Homes are bought and sold by homeowners just like any other freehold home.   

Any updates and repairs are made by the homeowner, as it's a freehold home, not a condo where there may be restrictions and rules on renovations. 

Wilmot Creek Homes for Sale: What Buyers Should Know

Homes for sale in Wilmot Creek vary in size and price, but all include access to the community’s exclusive amenities.  Because the neighbourhood is age-restricted (55+), it’s important to understand buyer eligibility and the community approval process before purchasing.

How much do homes cost in Wilmot Creek?

At the time I wrote this article, there are homes for sale from $328,000 - $748,000 prices vary depending on the age of the home, renovations, whether there is a garage or basement.  

Because you're buying a land lease home, you don't pay provincial land transfer tax, which is a great savings.  Also, property tax is bundled into your monthy fees!

I've created a special search for homes in Wilmot Creek;

Here is the link:

Homes for Sale in Wilmot Creek

Location & Surroundings

Where Is Wilmot Creek Located?

Wilmot Creek is located in Newcastle, Clarington, just east of Bowmanville south of Highway 401. Its convenient location offers quick access to the GTA while maintaining a peaceful lakeside setting. 

Residents have easy access to grocery stores, restaurants, medical services, and shopping in Newcastle, Bowmanville, and Oshawa. Day trips to Toronto, the Kawarthas, or Prince Edward County are also simple thanks to Wilmot Creek’s central location.

What residents love about living at Wilmot Creek

Security: Wilmot Creek is a **gated community**, which reduces outside traffic and enhances security. Roads within the neighbourhood have a **30 km/h speed limit**, and golf carts are a common and convenient way to get around.

Community: Ownership at Wilmot Creek is restricted to residents aged 55 and over Like many adult lifestyle communities, buyers must be **approved** to ensure the neighbourhood maintains its active adult focus.  And yes family and grandkids can visit! 

Friendly Community: Residents often describe Wilmot Creek as having a **resort-like feel with a small-town sense of community**. Neighbours know each other, social opportunities are endless, and the lifestyle is both active and relaxed.

Moving to Wilmot Creek

Pros and Cons of Living in Wilmot Creek:

Pros:

• Resort-style amenities and clubs
• Gated security and safe, friendly environment
• Stunning Lake Ontario setting
• Maintenance-free lifestyle with land lease fees covering services
• Homes are reasonably priced
• You own your own home and can make changes to it as you like
• "lock up and go" if you love to travel or are a snowbird
• Homes are bungalows, so no stairs, all your living is on one level

Cons:

• Homes are on leased land, not owned lots
• Community approval required for buyers
• Resale rules may differ from traditional freehold homes

How to Buy or Sell a Home in Wilmot Creek

If you’re considering a move to Wilmot Creek, work with a real estate agent familiar with land-lease and 55+ communities.  Understanding the resale policies, monthly fees, and buyer eligibility requirements will help avoid surprises.  A seniors real estate specialist like me can also help you with selling and downsizing your existing home. 

Frequently Asked Questions About Wilmot Creek

Q: Where is Wilmot Creek located?

A: Wilmot Creek is in **Newcastle, Clarington, Ontario**, on the north shore of Lake Ontario, just east of Bowmanville and less than an hour from Toronto.

Q: Is Wilmot Creek only for retirees?

A: No, you don't have to be retired, but owners do have to be 55+. It’s designed for active adults and retirees who want a maintenance-free, resort-style lifestyle.

Q: Do you own the land at Wilmot Creek?

A: No, homes in Wilmot Creek are on leased land. Residents own their houses but pay a monthly land lease fee that covers utilities, grounds maintenance, and access to amenities.

Q: What amenities does Wilmot Creek offer?

A: Amenities include a **9-hole golf course, indoor and outdoor pools, tennis and pickleball courts, a fitness centre, hobby rooms, community gardens, waterfront trails, and over 100 social clubs and activities.**

Q: Do buyers need approval to purchase a home in Wilmot Creek?

A: Yes, buyers must meet the **55+ age requirement** and go through a community approval process before purchasing.

Q: How much are the monthly fees at Wilmot Creek?**

A: Monthly land lease and maintenance fees typically range around $1,300 per month at the time this article is published depending on the home and lot. These fees cover land rental, property tax, snow removal, groundskeeping, and access to amenities.

Q: Are pets allowed in Wilmot Creek?

A: Yes, Wilmot Creek is pet-friendly. The community even has a dog run and plenty of walking trails.

Q: What types of homes are available at Wilmot Creek?

A: Most homes are bungalow-style, single-floor layouts designed for convenience and comfort. Homes vary in size, features, and price, with many offering Lake Ontario views.

Thinking of moving to Wilmot Creek?  Here's how to get started:  Call me at 416-562-5002 or email me at:  [email protected]

Move-In Ready Townhome for Sale in Pickering Village East

Welcome to this beautifully updated condo townhome in the highly sought-after Pickering Village East community.  Bright, modern, and absolutely move-in ready, this home really is everything a first time homebuyer dreams of!  Or if you're looking for great value in a turnkey property - this has all the right features.

The main floor boasts stylish updated flooring throughout the open-concept living and dining area as well as the kitchen, creating a warm and cohesive feel. With granite counters, an under-mount sink, newer stainless steel appliances, a wine fridge, and plenty of cupboards for storage the kitchen is more spacious than in many detached homes!  Upstairs, you’ll find three bedrooms with large closets, and a beautifully updated 5 piece washroom.  The finished basement includes a walk-out to a private, fenced yard and patio — an ideal spot for relaxing or entertaining.

Unlike many nearby townhomes, this property offers the comfort of forced air gas heating and central air conditioning. Lawn care is included through the property management company, making this home a true low-maintenance lifestyle choice; and it's pet friendly!

Affordable Homeownership in Pickering

Pickering offers exceptional value compared to many neighbouring areas in the GTA. Homes here often provide more space for your budget while still being close to major highways, transit, and amenities. This makes Pickering an attractive option for buyers who want affordability without sacrificing convenience.   

What makes 168-1915 Denmar different than other condo towns in Pickering?

If you start searching for townhouses for sale in Pickering you'll find a lot of choices, at many price points.  But on closer look you'll start to compare value - and you'll notice that not all townhomes are alike.  Many townhouses have electric heat, which is expensive nowdays and with no ductwork in place, you can't add central air conditioning.  Many townhouse complexes have underground parking (you usually get one spot) while this home has a garage and parking on the driveway for 2 more cars.   Many of the newer townhouses are built far from shopping, transit or the highway.  And the newer townhouses are built without yards or green space - and of course, because they're new, the price per sq. ft. can be expensive!   And maintenance fees per month can vary greatly - to over $700-$800 per month.  This well managed complex has very reasonable monthly fees. 

Quality Finishes & stylish details

One of the biggest advantages of this townhome is that it is fully move-in ready. With modern flooring, updated kitchen features, and thoughtful storage solutions throughout, you won’t need to worry about renovations or updates. It’s a turnkey option that lets you start enjoying your new home from day one.

Perfect for First-Time Homebuyers

As a home for first-time buyers in Pickering, this townhome checks all the boxes: value, comfort, and peace of mind. The manageable size, low-maintenance yard care, and modern updates make it an ideal entry point into homeownership. You’ll enjoy the confidence of moving into a property that has already been carefully maintained and upgraded.

If you're downsizing

I work with many active people who perhaps just retired but are looking for a change.   If you are tired of managing your large home and all the expenses that can add up, then this may be a great home for you (if you're active and don't mind stairs, of course!).  Stylishly updated, has a yard and garage, close to shopping and transit.  The perfect home if you spend your time at the cottage or travel south in the winter.  Many traditional condos don't allow dogs - so this is a great pet inclusive property!  Reasonable monthly maintenance includes things like water, exterior lawn care & replacement of windows, doors and roofs. 

Features of the Village East Neighbourhood

Village East is one of Pickering’s most desirable neighbourhoods thanks to its family-friendly vibe, convenient amenities, and welcoming community feel. The area is close to schools, parks, sports fields, and plenty of shopping, making daily errands simple and stress-free. Quick access to the 401 and Pickering GO Station makes commuting a breeze, whether you work downtown or elsewhere in the GTA.  And of course you'll be close to the Pickering Town Centre, where many local events like Rib Fest are held each year.

Affordable cost of ownership

Purchasing in Pickering real estate means you only pay Provincial Land transfer tax on your purchase - if you were to buy in Toronto this would be doubled. While property taxes are higher, buying a condo townhouse means you get the space of a freehold home but pay much lower property taxes. Reasonable monthly maintenance includes things like water, exterior lawn care & replacement of windows, doors and roofs.  

Benefits of Living in Pickering

Pickering combines the best of suburban comfort with urban convenience. Residents enjoy:

* Easy access to Lake Ontario and waterfront trails.

* A wide variety of shopping, dining, and entertainment options, including Pickering Casino Resort with live concerts

* Strong community amenities like recreation centres, libraries, and sports facilities.

* A growing city that continues to attract new businesses and investment, supporting long-term property value.

With its balance of affordability, convenience, and lifestyle, Pickering has become one of the top choices for homebuyers looking just east of Toronto.  Want to learn more about Pickering?  Here's a couple of links:

Pickering City Website

Festivals and Events in Pickering

Entertainment at Pickering Casino Resort

Take the Next Step

Call me to view this beautiful townhome at: 516-562-5002 - you won't be disappointed! 

Link to listing with pictures and room sizes