$1.60M · 3 bed Condo Apartment · Penetanguishene, Penetanguishene

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About this home

Welcome to unparalled luxury condo living on Georgian Bay. This sprawling 2500 square foot suite offers a rare blend of house like proportions and effortless, turn key condo convenience. This well constructed waterfront gem boasts unobstructed panoramic waterview from all principle rooms. The thoughtful main floor layout provides all amenities required for total living ( with no stairs) on the main floor. The main floor layout Features spacious great room, with floor to ceiling windows tha…

Property details

MLS#

S13241312

Status

Buy Now

Beds

Baths

3 full, 0 half

Size

2250-2499

Style

2-Storey

Type

Condo Apartment

Year built

—

Roof: Asphalt Shingle
Foundation: Concrete
Property features: Beach, Cul de Sac/Dead End, Golf, Marina, Waterfront, Skiing

View: Bay, Clear

Waterfront: Yes
Water view: Direct
Water body: Georgian Bay
Shoreline: Clean, Deep
Waterfront features: Boat Slip, Dock, Parking-Deeded, Winterized

Condo corp #: 328
Balcony: Juliette
Locker: None
Association amenities: Visitor Parking
Fees include: Building Insurance Included, Parking Included
Pets: Yes-with Restrictions

Garage: 1-car Attached
Garage spaces: 1
Parking: 3 total
Heating: Heat Pump
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Exterior: Stone · Awnings, Deck, Fishing, Landscape Lighting, Landscaped, Lawn Sprinkler System, Lighting, Privacy, Year Round Living
Fronting on: —
Cross street: Main
Basement: None
Stories: 2
Utilities: —
Laundry: Laundry Room
Interior: Auto Garage Door Remote, Generator - Full, On Demand Water Heater, Water Heater
Parking features: Private

Rooms

Level	Room	Dimensions
Main	Dining Room	3.47m × 4.42m
Main	Living Room	6.89m × 4.42m
Main	Breakfast	2.72m × 3.36m
Main	Kitchen	4.17m × 3.36m
Main	Laundry	3.47m × 2.08m
Main	Office	3.97m × 2.9m
Main	Primary Bedroom	6.81m × 3.52m
Main	Bathroom	2.73m × 2.45m
Main	Bathroom	1.6m × 1.5m
Second	Loft	8.68m × 6.8m
Second	Bedroom 2	4.53m × 2.78m
Second	Bedroom 3	4.73m × 3.52m
Second	Bathroom	3.61m × 1.48m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $1,599,900✓ $5,717 tax✓ Gas✓ 2250-2499 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$12,052/mo

incl. closing costs (yr 1)

Annual total

$144,622

year 1

Mortgage only

$6,070/mo

principal + interest

Beyond mortgage

$3,151/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$319,980

20%+ required — no CMHC insurance on $1.5M+ homes

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$476/mo

Utilities

Hydro / electricity$91/mo

≈ $0.07/ft² × ~2,375 ft² · ON avg ~$91/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%$15,999/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)$75/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$28,473

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)50% $72,834/yr

Property taxes24% $34,190/yr

Utilities3% $4,157/yr

Insurance & security1% $1,600/yr

Maintenance11% $15,999/yr

Condo fees7% $10,742/yr

Closing costs4% $5,100/yr

Mortgage is 50% of your true cost of ownership. The other 50% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$72,834	$6,070/mo
Government & taxes
Property tax	$5,717	$476/mo
Land transfer tax(closing)	$28,473	$2,373/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$1,097	$91/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$15,999	$1,333/mo
Condo fees
Condo / HOA fees	$10,742	$895/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	$144,622	$12,052/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