$425K · 2 bed Leasehold Condo · Tam O'Shanter-Sullivan, Toronto

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About this home

Welcome to Shepherd Gardens, A 65+ Independent Living Building. Enjoy wonderful amenities including a chapel, restaurant,gym, on your own floor, an indoor pool, cafe, hair salon/spa,a courtyard for BBQ's with friends. This is a large and bright unit flooded with natural light, huge windows and treetop views. @ bedroom 2 bathrooms . Primary has a walk-in closet.

Property details

MLS#

E13429554

Status

Buy Now

Beds

Baths

2 full, 0 half

Size

900-999

Style

Apartment

Type

Leasehold Condo

Year built

—

Property features: Library, Place Of Worship, Public Transit

View: Skyline

Condo corp #: 0
Balcony: None
Locker: Ensuite+Exclusive
Association amenities: Gym, Media Room, Recreation Room, Party Room/Meeting Room, Visitor Parking, BBQs Allowed
Fees include: Condo Taxes Included, Parking Included
Pets: Yes-with Restrictions

Garage: 1-car Underground
Garage spaces: 1
Parking: 1 total
Heating: Heat Pump
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick · Landscaped, Lighting
Fronting on: —
Cross street: Kennedy/Sheppard
Basement: None
Stories: 6
Utilities: —
Laundry: Ensuite
Interior: Separate Hydro Meter
Parking features: Underground

Level	Room	Dimensions
Flat	Kitchen	2.534m × 3.94m
Flat	Dining Room	3.4m × 9.4m
Flat	Living Room	3.4m × 9.4m
Flat	Laundry	1.5m × 1.5m
Flat	Primary Bedroom	2.9m × 6.9m
Flat	Bedroom 2	2.5m × 3.4m
Flat	Bathroom	2.5m × 1.5m

Level

Room

Dimensions

Flat

Kitchen

2.534m × 3.94m

Flat

Dining Room

3.4m × 9.4m

Flat

Living Room

3.4m × 9.4m

Flat

Laundry

1.5m × 1.5m

Flat

Primary Bedroom

2.9m × 6.9m

Flat

Bedroom 2

2.5m × 3.4m

Flat

Bathroom

2.5m × 1.5m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $424,900✓ $1,570 tax✓ Gas✓ 900-999 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,484/mo

incl. closing costs (yr 1)

Annual total

$53,810

year 1

Mortgage only

$1,612/mo

principal + interest

Beyond mortgage

$1,999/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$84,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$131/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~950 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%$4,249/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)$90/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$4,973

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)36% $19,343/yr

Property taxes12% $6,543/yr

Utilities7% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance8% $4,249/yr

Condo fees24% $13,015/yr

Closing costs9% $5,100/yr

Mortgage is 36% of your true cost of ownership. The other 64% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$19,343	$1,612/mo
Government & taxes
Property tax	$1,570	$131/mo
Land transfer tax(closing)	$4,973	$414/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%)	$4,249	$354/mo
Condo fees
Condo / HOA fees	$13,015	$1,085/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	$53,810	$4,484/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