$575K · 2 bed Condo Apartment · Ardagh, Barrie

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About this home

Experience contemporary luxury living at 7 Greenwich Street, Suite 407, nestled in the vibrant Greenwich Village within Ardagh Bluffs. This stunning top floor penthouse condo offers 1087 sq. ft. of meticulously designed space, featuring 2 bedrooms, 2 bathrooms, underground parking, and a storage locker. Step into a realm of elegance with luxury vinyl flooring, airy 9-foot ceilings, designer light fixtures, and large windows allowing the light to pour in. The gourmet kitchen boasts shaker cabinet…

Property details

MLS#

S12797174

Status

Buy Now

Beds

Baths

2 full, 0 half

Size

1000-1199

Style

1 Storey/Apt

Type

Condo Apartment

Year built

—

Property features: Public Transit, School Bus Route, Wooded/Treed, Park

Condo corp #: 428
Balcony: Open
Locker: Owned
Association amenities: BBQs Allowed, Elevator, Playground, Visitor Parking
Fees include: Building Insurance Included, Water Included, Parking 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, Stone
Fronting on: —
Cross street: FERNDALE DR S TO GREENWICH
Basement: None
Stories: 4
Utilities: —
Laundry: In-Suite Laundry
Interior: Auto Garage Door Remote
Parking features: —

Level	Room	Dimensions
Main	Living Room	4.57m × 4.38m
Main	Kitchen	2.77m × 2.68m
Main	Dining Room	3.96m × 3.1m
Main	Primary Bedroom	3.99m × 3.2m
Main	Bathroom	1.55m × 2.16m
Main	Bedroom	5.09m × 3.29m
Main	Bathroom	2.74m × 1.88m
Main	Utility Room	1.64m × 1.88m

Level

Room

Dimensions

Main

Living Room

4.57m × 4.38m

Main

Kitchen

2.77m × 2.68m

Main

Dining Room

3.96m × 3.1m

Main

Primary Bedroom

3.99m × 3.2m

Main

Bathroom

1.55m × 2.16m

Main

Bedroom

5.09m × 3.29m

Main

Bathroom

2.74m × 1.88m

Main

Utility Room

1.64m × 1.88m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $575,000✓ $3,985 tax✓ Gas✓ 1000-1199 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$5,024/mo

incl. closing costs (yr 1)

Annual total

$60,285

year 1

Mortgage only

$2,181/mo

principal + interest

Beyond mortgage

$1,720/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$115,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$332/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,100 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%$5,750/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)$40/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$7,975

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)43% $26,176/yr

Property taxes20% $11,960/yr

Utilities7% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance10% $5,750/yr

Condo fees10% $5,739/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)	$26,176	$2,181/mo
Government & taxes
Property tax	$3,985	$332/mo
Land transfer tax(closing)	$7,975	$665/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%)	$5,750	$479/mo
Condo fees
Condo / HOA fees	$5,739	$478/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	$60,285	$5,024/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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Unit 407

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Annual costs