$450K · 1+1 bed Condo Apartment · Port Whitby, Whitby

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About this home

Rare opportunity in an outstanding lakefront building! This beautifully appointed 1+1 bedroom unit boasts both a private balcony and a spectacular exclusive rooftop terrace for unmatched outdoor enjoyment. Welcome to The Rowe, where modern condo living meets an unbeatable Port Whitby location. This beautiful suite offers a bright, open-concept design that's perfect for first-time buyers, downsizers, or savvy investors. This move-in-ready condo features a contemporary kitchen with plenty of stora…

Property details

MLS#

E13432834

Status

Buy Now

Beds

1+1

Baths

1 full, 0 half

Size

500-599

Style

Apartment

Type

Condo Apartment

Year built

—

Foundation: Concrete
Property features: Marina, Park, Public Transit, Rec./Commun.Centre, School

Building name: The Rowe
Condo corp #: 227
Balcony: Open
Locker: Owned
Association amenities: Concierge, Exercise Room, Guest Suites, Gym, Indoor Pool, Rooftop Deck/Garden
Fees include: CAC Included, Common Elements Included, Heat Included, Building Insurance Included, Parking 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: Concrete
Fronting on: —
Cross street: Brock And Victoria
Basement: None
Stories: 10
Utilities: —
Laundry: Ensuite
Interior: Carpet Free
Parking features: Private

Level	Room	Dimensions
Main	Kitchen	2.4m × 3.67m
Main	Living Room	3.16m × 4.14m
Main	Primary Bedroom	3.16m × 3.35m
Main	Den	1.82m × 2.59m

Level

Room

Dimensions

Main

Kitchen

2.4m × 3.67m

Main

Living Room

3.16m × 4.14m

Main

Primary Bedroom

3.16m × 3.35m

Main

Den

1.82m × 2.59m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $449,900✓ $3,171 tax✓ Gas✓ 500-599 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,335/mo

incl. closing costs (yr 1)

Annual total

$52,016

year 1

Mortgage only

$1,707/mo

principal + interest

Beyond mortgage

$1,713/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$89,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$264/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~550 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%$4,499/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)$54/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$5,473

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)39% $20,481/yr

Property taxes17% $8,644/yr

Utilities8% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance9% $4,499/yr

Condo fees15% $7,732/yr

Closing costs10% $5,100/yr

Mortgage is 39% of your true cost of ownership. The other 61% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$20,481	$1,707/mo
Government & taxes
Property tax	$3,171	$264/mo
Land transfer tax(closing)	$5,473	$456/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%)	$4,499	$375/mo
Condo fees
Condo / HOA fees	$7,732	$644/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	$52,016	$4,335/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