1121 Cole Street

Welcome to This Beautiful Home In Alcona! Excellent opportunity for investors as the property is generating around $3500 In Rent Plus the Main floor for the Home Owner to Live. Over 3000 Sq Ft. Open Concept Main Floor. 4+1 Bedrooms. 4 Bathrooms. 2 Kitchens. Huge Bedrooms. 9 Foot Ceilings On Main Floor. Big Kitchen With Eat In Area. Main Floor Family Room W/ Fireplace. Master Has Walk-In Closet And 5 Pce Ensuite With Lots Of Room! Completely Finished Basement With Bathroom, Kitchen And Bedroom And W/O To Backyard!

OVER 5,000 SQ FT OF SPRAWLING ELEGANCE WITH RESORT-STYLE OUTDOOR LIVING JUST MINUTES FROM LAKE SIMCOE! Step into luxury living in the heart of Alcona with this exceptional brick two-storey home, offering over 5,000 sq ft of meticulously finished, carpet-free space designed for comfort, elegance, and everyday enjoyment. Nestled just minutes from Innisfil Beach Park, Lake Simcoe, Big Cedar Golf and Country Club, and all the essentials - shops, restaurants, schools, and entertainment - this home delivers both convenience and prestige. From the moment you arrive, the professionally landscaped gardens, stone accents, and expansive concrete patios set the tone for refined outdoor living, complete with a fully fenced backyard oasis with a side kitchenette that's perfect for summer BBQs and al fresco dining. Inside, the bright and open main floor is highlighted by soaring ceilings, a cozy natural gas fireplace, and a beautifully updated eat-in kitchen with quartz countertops, sleek cabinetry, and premium stainless steel appliances including a double oven and glass-top range. Host with ease in the elegant dining and living rooms, highlighted by a 20-foot ceiling that opens to the second floor for a grand, airy ambiance. From here, enjoy seamless access to a sun-drenched three-season sunroom, or unwind in the tranquillity of the home office. The upper level features a luxurious primary suite with an oversized walk-in closet and spa-inspired 5-piece ensuite, two bedrooms sharing a 5-piece bathroom, and a fourth bedroom with semi-ensuite access to a 3-piece bath. The fully finished basement adds even more room with a versatile rec space, an extra bedroom, a 3-piece bath, and insulated cold storage. Thoughtful touches, modern LED and pot lighting, and room for six vehicles between the oversized drive and double garage with a tandem bay complete this impressive offering - an unbeatable #HomeToStay that checks every box for luxurious, spacious, and functional family living.

A home crafted with intention and designed to inspire in the heart of Innisfil. From the moment you arrive, youll feel the difference the attention to detail, the quality of the finishes, and the warmth that only a truly custom-built home can offer. This move-in ready 5-bedroom, 5-bathroom detached home offers more than 3,600 sq. ft. of luxury living space in one of Innisfils most desirable family-friendly neighbourhoods. Inside, natural light fills the open-concept main floor, featuring hardwood flooring, 9-ft ceilings, and elegant spaces designed for both comfort and entertaining. At the heart of the home, the chefs kitchen impresses with quartz countertops, refinished cabinetry, modern backsplash, and a spacious island perfect for family gatherings. A built-in scent-diffuser system adds a subtle touch of elegance, creating a truly one-of-a-kind living experience. Upstairs, every bedroom offers custom closet organizers and thoughtful design, while the finished basement provides additional living space, ideal for an in-law suite, home gym, or media room perfect for growing families or guests. Step outside to your private backyard oasis, where stamped concrete pathways lead to a custom-covered patio, perfect for outdoor entertaining year-round. Enjoy the swim spa hot tub and panoramic six-person sauna, creating your very own wellness retreat at home. Additional highlights include a security system, epoxy-coated garage floor, and new garage doors that enhance both curb appeal and functionality. Every detail of this Innisfil dream home tells a story of craftsmanship, comfort, and design excellence. Its more than a place to live its a lifestyle that welcomes you home every day. Every home tells a story this one just happens to be unforgettable. Welcome to your next chapter.

STUNNING 3,700+ SQ FT FAMILY RETREAT STEPS TO LAKE SIMCOE & FRIDAY HARBOUR, SHOWCASING MODERN UPGRADES, SUNLIT OPEN-CONCEPT LIVING, & A RESORT-INSPIRED BACKYARD! Welcome to a captivating home that combines everyday convenience with luxurious living, just a short stroll from Lake Simcoe and Friday Harbour's vibrant marina, dining, and shopping, with golf, nature preserves, and South Barrie's amenities only minutes away. Nestled on a private 0.47-acre treed lot with tidy landscaping and a lush forest backdrop, this home showcases an expansive driveway for 10 vehicles, plus a heated double garage with 220V power and interior access. The backyard oasis is designed for entertaining, complete with a sprawling deck with a pergola, a hot tub, a BBQ gas line, and endless green space. Step inside to a bright and airy layout where oversized windows and walkouts fill the open-concept living and dining areas with natural light, while the kitchen boasts granite countertops, abundant cabinetry, and a breakfast nook with panoramic views. A family room, office, powder room, and laundry further enhance the main floor. Upstairs, retreat to the primary suite with a private sitting room overlooking the trees, dual closets, and a spa-inspired ensuite with a deep soaker tub and a dual vanity. Three additional upper bedrooms, highlighted by a loft bathed in sunlight from skylights, offer versatile living options and are served by a 4-piece bath. The basement extends the living area with a wet bar, a theatre room, two bedrooms, and a full bath. Refined details elevate this home, from hardwood and laminate flooring to heated bathroom floors, complemented by peace-of-mind features such as a 14KV Generac generator, invisible pet fence, newer roof, furnace, A/C, water softener, hot water tank, and an updated sump pump. Offering a rare blend of natural beauty and luxurious comfort, this #HomeToStay delivers a lifestyle that is as inviting as it is unforgettable!

Detached home with a walk out, on a 49.23ft X 109.9ft lot offering 2416 sq. ft. and a 2 bed room Basement Apartment with its own separate entrance. Tenants live in the Upper and lower apartments, please be discreet. The sellers do not warrant the legal Status of the basement apartment or the retrofit status of the basement apartment. Sliding door Walkout from the kitchen to a 12ft x 8ft Deck, open concept floor plan. Nestled in a quite cul de sac.

Welcome To This Majestic Custom Made House Located In Alcona, Across From Big Cedar Golf Club And Walking Distance To Lake Simcoe, Parks And 7 Minutes Drive To Friday Harbour Resort. With An Open Concept Design Where Spaces For Living, Cooking And Enjoying Food All Merge Together, This Stunning Home Boasts 4+1 Large Bedrooms, 5 Bathrooms With Quartz Countertops, Finished Basement, And A Total Living Space Of Approx. 3,600 Sqft. You Are Greeted With An Inviting Entrance That Has Double Closets And Ceramic Tiles. The Main Level Features 9 Feet Ceilings, Potlights, Hardwood Floor, Quartz Countertop And 6 Burners Gas Stove In The Kitchen, Fireplace In Living And W/O To The Deck. Primary Bedroom Has A Soaring 12 Feet Ceilings With Huge windows, Large Walk-in Closet And 4 Pcs Spa Inspired Bathroom. Laundry Room Includes Upper And Lower Cabinets, Large Quartz Countertop With Sink And Glass Backsplash. Basement Has 9 Feet Ceilings And Includes Recreation Room, Bedroom With W/I Closet, Large Window Above The Ground And 3-Piece Bathroom. Large Backyard With Green Space, An Amazing Oversized Stone Patio Pith Fire Pit, A Large Deck And gazebo. Can You Imagine Your Weekend With A Backyard Space Like This?

Stunning 3,593 Sq Ft Luxury Executive Detached Home | 5 Ensuite Bedrooms + Main floor Office | Premium Stone Façade.Step into unparalleled executive luxury in this distinguished residence. Approximately 6 years new,this home features a highly sought-after 5-bedroom layout with ensuite access to every bedroom-a truly rare and prestigious offering.Striking curb appeal is highlighted by a premium stone façade and an extended driveway. Inside, 9-ft smooth ceilings on both the main and second floors, paired with gleaming hardwood flooring throughout(main floor), create an atmosphere of timeless refinement. The main level showcases a private executive office/library with French doors, alongside an elegant open-concept layout anchored by a gourmet kitchen complete with high-end appliances, a central island (breakfast bar), and a sun-filled breakfast area with walk-out to the deck.The expansive open-concept living and dining areas are ideal for hosting at scale, while the sophisticated family room features a gas fireplace overlooking the peaceful backyard.The upper level delivers exceptional comfort and privacy. The palatial primary suite features two walk-in closets, a spa-inspired 5-piece ensuite, and an elegant sitting area overlooking serene garden views. The 2nd and 3rd primary bedrooms each enjoy private 4-piece ensuites, while the 4th and 5th bedrooms share a 5-piece ensuite, thoughtfully designed with individual bathroom vanities for enhanced privacy. A convenient 2nd-floor laundry completes this well-planned level.The expansive 1,500+ sq ft bright unfinished basement offers endless possibilities for a custom gym, home theatre, guest suite, or entertainment retreat.Ideally located just minutes from Innisfil Beach Park, Friday Harbour, Barrie South GO Station, and everyday amenities, this exceptional residence offers a rare combination of scale, luxury, and lifestyle convenience.

Welcome to this beautifully renovated residence offering approximately 3,300 sq. ft. of thoughtfully designed living space in a prime Innisfil location. Blending modern elegance with exceptional versatility, this home is ideal for families, multi-generational living, or savvy investors.The main home features 4 spacious bedrooms, 4 bathrooms, smooth ceilings throughout, pot lights on all levels, and a dedicated main-floor office-perfect for today's work-from-home lifestyle. A standout feature is the fully self-contained 2-bedroom in-law suite with a separate private entrance and second laundry, offering excellent income potential or a private space for extended family. Additional upgrades include a new high-efficiency furnace for year-round comfort and energy efficiency.Situated on a generous 39 x 132 ft lot, the property offers a private backyard with gazebo, ideal for outdoor relaxation and entertaining. Conveniently located close to schools, parks, shopping, and everyday amenities, with easy access to major routes and the waterfront lifestyle Innisfil is known for.

Stunning Custom 2-Storey Home on a Quiet Court Welcome to this beautifully crafted 4+ bedroom, 4-bathroom residence offering approximately 3400 sq ft of elegant living space. Nestled on a serene court, this home boasts exceptional curb appeal with an interlock driveway, walkways, and a spacious backyard patio perfect for entertaining. Step inside to discover a grand oak staircase with wrought iron railings, open to below, leading to a soaring family room open to above. A striking wood-burning fireplace with a full-height stone façade anchors the space, creating a warm and inviting atmosphere. The main floor features a dedicated office, convenient laundry room, and a chef-inspired kitchen that flows seamlessly into the living and dining areas. Upstairs, generously sized bedrooms provide comfort and privacy, while the finished basement offers a completed 4-piece bathroom and a rough-in for a future bar-ideal for hosting guests or creating your dream rec room. Outside, enjoy a charming brick and stone shed for added storage and functionality. The double car garage adds convenience, and the quiet court location ensures peace and privacy. This home is a rare blend of luxury, character, and thoughtful design-perfect for families seeking space, style, and sophistication

BEING SOLD "AS IS WHERE IS"

Welcome to 3600 sq ft of luxury, built by Fernbrook, in Innisfil's coveted Alcona community! Just minutes away from the water, this stunning "Ridge" model sits on a massive lot and boasts one of the most functional layouts you'll find. Double-door entry invites you into a grand entryway with polished porcelain, leading to beautiful hardwood flooring and smooth ceilings with pot lights throughout the main floor. The gourmet chef's kitchen will inspire your culinary adventures with its white cabinetry, built-in stainless steel appliances, upgraded lighting, and stunning complementing backsplash. This overlooks a bright and spacious breakfast area, perfect for casual dining. Large windows throughout the home flood the space with natural light, highlighting the exquisite finishes. Step out from the main floor onto a walkout deck that leads to a huge backyard, offering ample space for outdoor entertaining and relaxation. An oak staircase leads to the upper level, completing this exceptional home with 4 spacious bedrooms and a main-level den which can be used as a 5th bedroom. This is an unparalleled opportunity to own a luxurious home in a prime Innisfil location.

Executive detached home by Fernbrook Homes in prestigious Belle Aire Shores, Innisfil. Over 3,100 sq ft above grade with 5 bedrooms, 4 bathrooms, 10-ft ceilings, pot lights, and extensive upgrades throughout. Chef's kitchen with quartz counters, extended cabinetry, large island, and Samsung BESPOKE appliances. Primary suite with spa-like ensuite and walk-in closet; all bedrooms include walk-ins and second-floor laundry.Approx. 1,100 sq ft partially finished walk-out basement with separate entrance, framed for 3 bedrooms and a 3-piece bath, offering excellent income or in-law suite potential. 200-amp service. Rare 3-car tandem garage, parking for 7, no sidewalk, interlock surround, 16' x 16' deck, and gas lines for stove & BBQ. Over $50,000.00 in renovations and upgrades. 1100 partially finished basement with 3 bedrooms 3 peice bath, seperate entrance.

Luxury Upgraded Home in Sought-After Location! Welcome to 1698 Corsal Court, a stunning upgraded home nestled in the desirable community of Innisfil. This beautiful residence boasts an array of premium features and upgrades throughout. Upgrades Galore! 24x24 upgraded tiles throughout the entire house, Engineering hardwood flooring on the main floor and 2nd floor hallway, Upgraded bathroom vanities, countertops, and sinks, Quartz countertops in every room, Upgraded kitchen with waterfall island, custom cabinets, Rough-in valance lights in kitchen, Pot lights on entire main floor, 8-foot doors on main floor, Upgraded backyard French doors, Smooth ceilings on both main and upper floors. Additional Features: Upgraded master bathroom shower with frameless glass, Upgraded French doors with wood mullions in den, 200 Amp service, Large basement window (36x24), Upgraded Cat 6, Central Vac system with 50ft vacuum hose and electrical air package, Unifi Cat 6 long-range networking package (WiFi booster), Spacious 3-car garage with tandem parking, Premium deep lot. 200k in upgrades. Convenient Location! Close proximity to the planned The Orbit development and future Innisfil GO Station, Short drive to Innisfil beaches, shops, parks, and more. Don't miss this incredible opportunity to own a luxury home with endless upgrades and features.

Stunning Over 3000 Sq Ft Corner Unit Home with Over $200K in Upgrades! This Immaculate Property Features An Enclosed Office with Double Privacy Doors, Elegant Wrought Iron Railings, and Upgraded Porcelain Tile Throughout the Main Floor. The Custom Renovated Powder Room Adds a Touch of Sophistication. The Fully Renovated Kitchen is a Chefs Dream, Showcasing High-End Extended Cabinetry, a Spacious Extended Island, Quartz Counters and Backsplash, a Built-in Wine/Mini Fridge, And a Wet Bar/Server Area. Equipped With Premium Matte Stainless Steel KitchenAid Appliances, Including A Built-In Wall Oven, This Kitchen Combines Luxury And Functionality. Upgraded Luxury Fixtures are Found Throughout, Including a Grand Chandelier and Dimmable Pot lights for Ambiance Control. The Renovated Laundry Room Offers Ample Storage with Large Cabinets, a High-End Samsung Washer/Dryer Set, an Upgraded Stainless Steel Sink and Faucet, Quartz Countertops, and a Wall-Mounted Drying Rack. The Heated and Insulated Garage Boasts Epoxy Flooring, Overhang Storage, and Custom Cabinetry. Enjoy the Oversized Basement Windows, Bringing in Abundant Natural Light. Step Outside To a Fully Landscaped Backyard Featuring a Large Patio, New Sod, a Newer Fence, and a Playground Perfect For Entertaining and Family Fun. This Exceptional Home Is Truly Move-in Ready and Packed with Premium Finishes Throughout!

S-P-A-C-I-O-U-S--D-E-T-A-C-H-E-D--H-O-M-E--I-N--B-E-L-L-E--A-I-R-E--S-H-O-R-E-S! Welcome To This Exceptional 5 Bedroom, 4 Bathroom Residence Offering An Ideal Blend Of Space, Functionality, And Modern Comfort. Featuring A Rare 3-Car Tandem Garage, Perfect For Additional Vehicles, Storage, Or Recreational Equipment. The Thoughtfully Designed Main Floor Includes A Private Office With French Doors, Ideal For Work-From-Home Living. The Bright Eat-In Kitchen Is Equipped With Stainless Steel Appliances And Designed For Both Everyday Living And Entertaining. Upstairs, Enjoy The Convenience Of Second Floor Laundry With Upgraded Noise-Reducing Machines, Along With Enhanced 9' Ceiling Heights, 8' Interior Doors, And Elegant Iron Pickets That Elevate The Home's Interior Appeal. Just Min. From Innisfil Beach, Big Cedar Point Golf & Country Club, Local Shopping, Parks, Lake Simcoe & The Community Centre. Enjoy Easy Access To Highway 400, Cookstown Outlet Mall & Even Quick Trips To Blue Mountain. This Home Offers Exceptional Space And Comfort In A Family-Friendly Setting Close To Everyday Amenities.

Discover one of the largest homes in the desirable Belle Aire Shore community, offering 3,684 sq. ft. of well-designed living space. This modern family home features four spacious and bright bedrooms. The two-storey layout includes a double-door entry, 9-foot ceilings, a formal dining room, and a main floor office. The large eat-in kitchen with a centre island opens to a generous backyard, providing both comfort and functionality for daily living. Upstairs, you'll find a convenient second-floor laundry, a spacious primary bedroom with a walk-in closet, and an ensuite bathroom with a soaker tub and glass shower. The home is located just minutes from the lake, beach, shopping, highways, and schools - offering a balanced combination of space, comfort, and location.

CORNER LOT. NO SIDEWALK. 4-CAR DRIVEWAY. NEVER LIVED IN. Welcome to 1422 Broderick Street - a well-designed Zancor-built home offering spacious main and second floor living spaces, plus a full unfinished basement ready to grow with your family. Built in 2022 and never occupied, this home delivers the feel of new construction without the wait. Set on a premium corner lot with no sidewalk, the driveway comfortably parks 4 vehicles - a rare advantage in newer subdivisions and a major convenience for families. Inside, the bright open layout offers the space families truly need. Hardwood floors, raised interior doors, and oversized windows create a modern, airy feel. The kitchen features stainless steel appliances and a gas stove, flowing seamlessly into the spacious family room with fireplace - ideal for everyday living and entertaining. Upstairs offers: A private primary retreat with walk-in closet and 5-piece ensuite; One bedroom with its own full bathroom; Two additional bedrooms connected by a Jack-and-Jill full bath; Upper-level laundry room with window and utility sink. The private backyard is not directly overlooked by rear neighbours. The unfinished basement includes windows and an oversized cold room, offering exceptional storage and future potential for recreation space, a home gym, or extended family living. Convenient location! Close proximity to the planned Orbit development and future Innisfil GO Station. Short drive to Innisfil beaches, shops, parks, and everyday amenities. A rare combination of space, privacy, parking, and long-term value - ready for your family to grow into.

Introducing 1155 Cole St., a beautifully maintained residence in a desirable Innisfil community. This Detached Home with 2548 sq ft of functional living space home features four spacious bedrooms, including a tranquil primary suite, and a dedicated home office-perfect for today's work-from-home needs. The open-concept living, dining, and kitchen area is enhanced by abundant natural light and modern finishes, creating a welcoming yet refined environment ideal for both family life and entertaining. Located close to parks, schools, shopping, and Lake Simcoe, a walk to proposed Go Station, this property seamlessly combines comfort, practicality, and sophistication. Awaits your private viewing.

Located in the desirable neighborhood of Alcona in Innisfil, pride of ownership is evident in this beautiful two-storey, four-bedroom home situated on a massive corner lot. Perfect for a growing family, the home features a fantastic and functional layout, including main-floor laundry and a main-floor office. Hardwood and ceramic flooring flow throughout the main living areas, complemented by a cozy gas fireplace. Partially finished basement with lots of storage space, a large recreation area perfect for home gym, entertainment or as an additional family room. Additional features include central vacuum and a bright, spacious kitchen with a walkout to the deck, ideal for outdoor entertaining. The huge primary bedroom offers a four-piece ensuite, while the second bedroom includes its own two-piece ensuite washroom. Conveniently located close to schools, shopping, recreation centres, and Lake Simcoe beautiful beaches, this home offers an exceptional combination of space, comfort, and location.

Preferred Location. Functional Layout. Flexible Closing. Located in one of Innisfil's most desirable neighbourhoods, this newer-build home offers the perfect balance of modern design and natural surroundings, just a short stroll from Lake Simcoe. Enjoy being minutes from top-rated schools, everyday amenities, and major commuter routes, making it an ideal location for both families and professionals. Offering over 2,508 sq. ft. above grade, plus an unfinished basement ready for future living space or added value, this thoughtfully designed home delivers the space and flexibility buyers are prioritizing in today's market. The layout includes four spacious bedrooms, each with its own private ensuite, providing exceptional privacy and functionality for families, guests, or multigenerational living. The open-concept kitchen and living area create a warm, connected space for daily life, while a separate dining room offers an elegant setting for hosting and entertaining. Inside, the home flows seamlessly to a beautifully landscaped backyard, ideal for summer barbecues, relaxing evenings, and time spent with family and friends.

Welcome to this stunning 2023-built executive home by Zancor offering 3,595 sq ft of luxury living on a quiet, family-friendly cul-de-sac in one of Alcona's most desirable neighbourhoods! The bright and functional layout includes 6 main floor living areas, an optional main-floor bedroom perfect for multi-generational families or guests, and a chefs kitchen with an oversized island, large pantry, and walk-out to create your dream deck. Upstairs, enjoy 4 large bedrooms, including a luxurious primary retreat with his & hers walk-in closets, and a spa-inspired 5-piece ensuite. Convenience continues with second-floor laundry, no carpet, and a double garage. With no sidewalk, you can easily park 4 cars in the driveway. Professionally upgraded throughout, this home features 9 ft ceilings on both the main and basement levels, smooth ceilings on the main floor, new fencing, 200 amp service, tankless water heater, and a spacious walk-out basement with in-law or income potential. This home offers both lifestyle and investment potential a very large basement with rental/in-law suite possibilities, and a location surrounded by exciting growth: The Orbit master-planned community, future GO station, and a planned hospital. Just minutes to Innisfil Beach, marinas, Friday Harbour, schools, and parks. Truly move-in ready perfect for families, multi-generational living, or investors seeking space, comfort, and long-term value.

Stunning 2024 Mattamy Home "Sawyer" Model in the highly desirable Lakehaven community of Innisfil, offering 3,097 sq. ft. of finished living space, a double car garage, and $100,000 in upgrades. Ideally located near Lake Simcoe, scenic trails, and Friday Harbour in a family-friendly neighbourhood.This bright, south-facing home features 9' ceilings, 8' doors, hardwood flooring throughout the majority of the home, and broadloom in the bedrooms for added comfort, along with 36-inch vanities. Notable upgrades include a 200-amp electrical service, water softener, HVAC humidifier, and an HVI-certified ventilation system.The thoughtfully designed main floor offers a home office, dining area, and spacious great room with gas fireplace, large windows, and pot lights. The chef-inspired kitchen showcases a large island with built-in double stainless steel sink, quartz countertops, under-cabinet lighting, and premium stainless steel appliances, including two Café wall ovens, Bosch induction cooktop, stainless steel range hood, Bosch refrigerator, Asko dishwasher, and a built-in bar fridge in the wet bar.The eat-in breakfast area features built-in bench seating with storage, wall sconces, and a walk-out to the backyard. Interior garage access leads to a functional mudroom with stop-and-drop, home organizer, and two large closets.The second level offers four bedrooms with access to shared or ensuite bathrooms. The primary retreat features a raised ceiling, two walk-in closets with organizers, bench seating, and a luxurious five-piece ensuite. Convenient second-floor laundry.Unfinished basement with bathroom rough-in offers excellent future potential. Prepaid new deck with contractor retained and materials selected. Building permit paid, with approval pending grading survey.

Part of the Belle Aire Shores community and features the Breaker Model built by Zancor Homes. This large family size home features a generous size kitchen with island, family room off the main floor breakfast area, a main floor office, combined living and dining rooms for large entertaining, mud room, second floor laundry, grande main bedroom with spa like ensuite and walk-in closets for him and her, one bedroom with an ensuite bath, two bedrooms with semi-ensuites, and more. Two new parks in the area to be built within the year. One right across the street. Offers anytime.

BRAND NEW HOUSE !! BY LORMEL HOMES , WALK-OUT BASEMENT, LUXURY FINISHES, MUST SEE, TARION WARRANTY, GREAT FAMILY AREA, 3,000 SQ FT, AVAILABLE FROM THE BUILDER A GREAT OFFER ***MORTGAGE @1.99% WITH 20% DOWN PAYMENT, FOR 2 YEARS OPEN, 25 YEAR AMORTIZATION***