$810K · 3 bed Condo Townhouse · Collingwood, Collingwood

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About this home

Welcome to the prestigious Lighthouse Point Yacht & Tennis Club - an exceptional opportunity to own a rarely offered ground floor 3 bedroom Zinniz model in on of Collingwood's most coveted waterfront communities. Perfectly positioned for both privacy and convenience, this spacious condo features an attached garage and two walkouts to your own secluded terrace from the living room and primary suite, ideal for morning coffee or evening relaxation. Inside, the bright, open-concept layout is designe…

Property details

MLS#

S13430794

Status

Buy Now

Beds

Baths

2 full, 0 half

Size

1200-1399

Style

1 Storey/Apt

Type

Condo Townhouse

Year built

—

Property features: Beach, Golf, Greenbelt/Conservation, Hospital, Marina, Public Transit

Fireplaces: 1
Fireplace features: Wood

View: Bay, Beach

Waterfront: Yes
Water view: Obstructive
Water body: Georgian Bay
Shoreline: Clean, Sandy, Natural
Waterfront features: Boat Launch, Breakwater

Condo corp #: 122
Balcony: None
Locker: None
Association amenities: BBQs Allowed, Club House, Communal Waterfront Area, Exercise Room, Game Room, Gym
Fees include: Common Elements Included, Building Insurance Included, Parking Included
Pets: Yes-with Restrictions

Garage: 1-car Attached
Garage spaces: 1
Parking: 2 total
Heating: Baseboard
Heating fuel: Electric
Cooling: Central Air
Exterior: Wood · Privacy, Security Gate, Year Round Living
Fronting on: —
Cross street: HWY 26 to Lighhouse Point,Turn right after security gate to 4th group of condos.
Basement: None
Stories: —
Utilities: —
Laundry: In-Suite Laundry
Interior: Auto Garage Door Remote, Primary Bedroom - Main Floor, Separate Heating Controls
Parking features: Private

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $810,000✓ $3,793 tax✓ Electric✓ 1200-1399 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$6,805/mo

incl. closing costs (yr 1)

Annual total

$81,665

year 1

Mortgage only

$3,073/mo

principal + interest

Beyond mortgage

$2,218/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$162,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$316/mo

Utilities

Hydro / electricity$75/mo

≈ $0.13/ft² × ~1,300 ft² · incl. electric heat

Heat$0/mo

Electric heat — no gas service · see hydro

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%$8,100/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)$77/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$12,675

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)45% $36,875/yr

Property taxes20% $16,468/yr

Utilities3% $2,460/yr

Insurance & security2% $1,600/yr

Maintenance10% $8,100/yr

Condo fees14% $11,063/yr

Closing costs6% $5,100/yr

Mortgage is 45% of your true cost of ownership. The other 55% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$36,875	$3,073/mo
Government & taxes
Property tax	$3,793	$316/mo
Land transfer tax(closing)	$12,675	$1,056/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$8,100	$675/mo
Condo fees
Condo / HOA fees	$11,063	$922/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	$81,665	$6,805/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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409 Mariners Way

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Annual costs