$988K · 2+1 bed Condo Apartment · Harding, Richmond Hill

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About this home

***Spectacular 2+1 Bed 2 Bath Corner Unit at The Gibraltar Condominiums*** Sunny Southwest Exposure, Split 2 Bedroom plan, 2 Bathrooms, Formal Den, Living & Dining Rm. Renovated Kitchen, Built-In Appliances, Breakfast Area, Walkout To Balcony. New flooring throughout, new doors, new baseboards and trim, Primary Bedroom W/ Walk-In Closet, Walk-Out To Balcony, 5 Piece Ensuite W/Soaker Tub & Separate Shower. Amazing Resort Like amenities with Indoor and outdoor Pools, Hot Tub, Exercise Rm, Squash C…

Property details

MLS#

N12761360

Status

Buy Now

Beds

2+1

Baths

2 full, 0 half

Size

1400-1599

Style

Apartment

Type

Condo Apartment

Year built

—

Property features: Arts Centre, Hospital, Library, Park, Public Transit, Rec./Commun.Centre

Condo corp #: 688
Balcony: Open
Locker: Exclusive
Association amenities: Exercise Room, Guest Suites, Indoor Pool, Outdoor Pool, Party Room/Meeting Room, Tennis Court
Fees include: Cable TV Included, CAC Included, Common Elements Included, Heat Included, Hydro Included, Building Insurance Included, Parking Included, Water Included
Pets: Yes-with Restrictions

Garage: 2-car Underground
Garage spaces: 2
Parking: 2 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Concrete
Fronting on: —
Cross street: Yonge And Clarissa
Basement: None
Stories: 13
Utilities: —
Laundry: In-Suite Laundry
Interior: Built-In Oven, Carpet Free, Storage
Parking features: Underground

Level	Room	Dimensions
Main	Kitchen	2.5m × 4.19m
Main	Breakfast	2.46m × 2.5m
Main	Dining Room	3.13m × 3.27m
Main	Living Room	3.59m × 7.18m
Main	Den	2.79m × 3.22m
Main	Primary Bedroom	3.34m × 4.23m
Main	Bathroom	3m × 3.22m
Main	Bedroom 2	3.2m × 4.72m
Main	Bathroom	2.2m × 2.9m

Level

Room

Dimensions

Main

Kitchen

2.5m × 4.19m

Main

Breakfast

2.46m × 2.5m

Main

Dining Room

3.13m × 3.27m

Main

Living Room

3.59m × 7.18m

Main

Den

2.79m × 3.22m

Main

Primary Bedroom

3.34m × 4.23m

Main

Bathroom

3m × 3.22m

Main

Bedroom 2

3.2m × 4.72m

Main

Bathroom

2.2m × 2.9m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $988,000✓ $3,368 tax✓ Gas✓ 1400-1599 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$8,465/mo

incl. closing costs (yr 1)

Annual total

$101,577

year 1

Mortgage only

$3,748/mo

principal + interest

Beyond mortgage

$2,905/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$197,600

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$281/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,500 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%$9,880/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)$114/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$16,235

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)44% $44,978/yr

Property taxes19% $19,603/yr

Utilities4% $3,960/yr

Insurance & security2% $1,600/yr

Maintenance10% $9,880/yr

Condo fees16% $16,456/yr

Closing costs5% $5,100/yr

Mortgage is 44% of your true cost of ownership. The other 56% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$44,978	$3,748/mo
Government & taxes
Property tax	$3,368	$281/mo
Land transfer tax(closing)	$16,235	$1,353/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%)	$9,880	$823/mo
Condo fees
Condo / HOA fees	$16,456	$1,371/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	$101,577	$8,465/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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