$459K · 2+1 bed Condo Townhouse · Centennial, Oshawa

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About this home

Opportunity knocks...don't miss out on this super cute, beautifully Updated Townhome that Offers The Perfect Blend Of Comfort, Style, & Modern Living. This Well laid out townhome has a Thoughtfully Designed Layout, Finished Basement, Beautiful Updated & A Fantastic Fully Fenced Backyard, This Property Is Ideal For Both Relaxation & Entertaining. Some Key Features Include: Spacious Living Areas That Are Inviting & An Open-Concept Design Filled With Natural Light. The Cozy Living Room Flows Seamle…

Property details

MLS#

E13437524

Status

Buy Now

Beds

2+1

Baths

2 full, 0 half

Size

800-899

Style

2-Storey

Type

Condo Townhouse

Year built

—

Building name: Ontario Condo PL 16 LUL 1 Unit 3
Condo corp #: 16
Balcony: Terrace
Locker: None
Fees include: Common Elements Included, Hydro Included, Building Insurance Included, Water Included, Parking Included
Pets: Yes-with Restrictions

Garage: None
Garage spaces: 0
Parking: 1 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Metal/Steel Siding
Fronting on: —
Cross street: Mary St N/Taunton Rd
Basement: Finished
Stories: 1
Utilities: —
Laundry: In-Suite Laundry
Interior: Water Heater
Parking features: Private, Surface

Level	Room	Dimensions
Main	Living Room	3.4m × 5m
Main	Dining Room	3.4m × 5m
Main	Kitchen	2.6m × 3.8m
Main	Breakfast	2.7m × 3.8m
Second	Primary Bedroom	3.2m × 3.7m
Second	Bedroom 2	3m × 3.5m
Lower	Recreation	3.7m × 4.9m
Lower	Laundry	—

Level

Room

Dimensions

Main

Living Room

3.4m × 5m

Main

Dining Room

3.4m × 5m

Main

Kitchen

2.6m × 3.8m

Main

Breakfast

2.7m × 3.8m

Second

Primary Bedroom

3.2m × 3.7m

Second

Bedroom 2

3m × 3.5m

Lower

Recreation

3.7m × 4.9m

Lower

Laundry

—

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $458,800✓ $2,104 tax✓ Gas✓ 800-899 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,197/mo

incl. closing costs (yr 1)

Annual total

$50,364

year 1

Mortgage only

$1,741/mo

principal + interest

Beyond mortgage

$1,527/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$91,760

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$175/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~850 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%$4,588/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)$45/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$5,651

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)41% $20,887/yr

Property taxes15% $7,755/yr

Utilities8% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance9% $4,588/yr

Condo fees13% $6,475/yr

Closing costs10% $5,100/yr

Mortgage is 41% of your true cost of ownership. The other 59% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$20,887	$1,741/mo
Government & taxes
Property tax	$2,104	$175/mo
Land transfer tax(closing)	$5,651	$471/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%)	$4,588	$382/mo
Condo fees
Condo / HOA fees	$6,475	$540/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	$50,364	$4,197/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