$625K · 3 bed Condo Townhouse · Bay Ridges, Pickering

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About this home

Welcome to your own private nature retreat in the heart of sought-after Bay Ridges! Surrounded by mature trees, scenic parks, walking trails, and green space, this spacious and beautifully maintained 3-bedroom, 2-bathroom condo townhouse offers approximately 1900 sq. ft. of space.Filled with natural light, this inviting home features new laminate flooring on the main level, natural wood flooring on the second floor, and fresh paint throughout. The bright living room offers a walkout to a fully…

Property details

MLS#

E13411780

Status

Buy Now

Beds

Baths

2 full, 0 half

Size

1200-1399

Style

2-Storey

Type

Condo Townhouse

Year built

—

View: Forest, Garden

Condo corp #: 11
Balcony: None
Locker: None
Fees include: Building Insurance Included, Common Elements Included, Water Included
Pets: Yes-with Restrictions

Garage: 1-car Underground
Garage spaces: 1
Parking: 1 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick, Brick Front
Fronting on: —
Cross street: Bayly St and Liverpool Rd
Basement: Finished
Stories: —
Utilities: —
Laundry: In Basement
Interior: Carpet Free
Parking features: —

Level	Room	Dimensions
Main	Living Room	3.3m × 5.72m
Main	Dining Room	2.69m × 3.63m
Main	Kitchen	3.54m × 3.56m
Second	Primary Bedroom	4.06m × 4.52m
Second	Bedroom 2	2.95m × 4.29m
Main	Bedroom 3	2.64m × 3.28m
Basement	Recreation	5.56m × 5.74m

Level

Room

Dimensions

Main

Living Room

3.3m × 5.72m

Main

Dining Room

2.69m × 3.63m

Main

Kitchen

3.54m × 3.56m

Second

Primary Bedroom

4.06m × 4.52m

Second

Bedroom 2

2.95m × 4.29m

Main

Bedroom 3

2.64m × 3.28m

Basement

Recreation

5.56m × 5.74m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $625,000✓ $3,276 tax✓ Gas✓ 1200-1399 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$5,466/mo

incl. closing costs (yr 1)

Annual total

$65,594

year 1

Mortgage only

$2,371/mo

principal + interest

Beyond mortgage

$1,889/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$125,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$273/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,300 ft² · ON avg ~$75/mo

Gas$125/mo

Typical ON gas-heated home · ~$125/mo

Water / sewer$60/mo

ON municipal avg ~$60/mo

Internet / TV / phone$70/mo

ON internet/TV avg ~$70/mo

Maintenance & upkeep

Maintenance reserve1.0%$6,250/yr

1% of value/yr — standard reserve

Landscaping & snow$0/mo

Landscaping & snow removal · $0 default

Home insurance$100/mo

$100/mo default · adjust for your home

Security system$0/mo

Optional monitoring · $0 default

Condo / HOA fees (mo)$55/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$8,975

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)43% $28,453/yr

Property taxes19% $12,251/yr

Utilities6% $3,960/yr

Insurance & security2% $1,600/yr

Maintenance10% $6,250/yr

Condo fees12% $7,980/yr

Closing costs8% $5,100/yr

Mortgage is 43% of your true cost of ownership. The other 57% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$28,453	$2,371/mo
Government & taxes
Property tax	$3,276	$273/mo
Land transfer tax(closing)	$8,975	$748/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$6,250	$521/mo
Condo fees
Condo / HOA fees	$7,980	$665/mo
Closing costs (one-time)
Legal / lawyer(closing)	$2,500	$208/mo
Home inspection(closing)	$600	$50/mo
Moving costs(closing)	$2,000	$167/mo
Total	$65,594	$5,466/mo

Listing facts below · Ontario averages for utilities — drag sliders to match your home. CMHC added to loan principal only — not double-counted in chart.

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Annual costs