$445K · 3+1 bed Condo Townhouse · Ardagh, Barrie

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About this home

Exceptional Investment Opportunity with Built-In Income Potential! This updated 4-bedroom, 2.5-bathroom two-storey townhome offers approximately 1,750 sq. ft. of versatile living space in a central location close to public transit and The GO station. Thoughtfully designed with two separate entrances and a fully self-contained walk-out lower-level suite, this property is perfectly suited for investors, multi-generational living, first-time buyers, or savvy homeowners looking to generate additiona…

Property details

MLS#

S13435758

Status

Buy Now

Beds

3+1

Baths

3 full, 0 half

Size

1200-1399

Style

2-Storey

Type

Condo Townhouse

Year built

—

Property features: Public Transit

Condo corp #: 152
Balcony: Open
Locker: None
Association amenities: Club House, Community BBQ, Outdoor Pool, Gym, Playground, Tennis Court
Fees include: Building Insurance Included, Parking Included, Common Elements Included
Pets: Yes-with Restrictions

Garage: 1-car Attached
Garage spaces: 1
Parking: 2 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick
Fronting on: —
Cross street: Essa Road
Basement: Apartment, Walk-Out
Stories: 1
Utilities: —
Laundry: Laundry Room, In Basement
Interior: Ventilation System, In-Law Suite, Built-In Oven, Bar Fridge, Accessory Apartment
Parking features: —

Rooms

Level	Room	Dimensions
Main	Living Room	3.23m × 4.57m
Main	Dining Room	3.13m × 3.23m
Main	Kitchen	2.62m × 2.82m
Second	Primary Bedroom	3.02m × 4.9m
Second	Bedroom 2	4.06m × 4.06m
Second	Bedroom 3	2.84m × 4.47m
Basement	Bedroom 4	3.2m × 4.32m
Basement	Family Room	2.57m × 4.42m
Basement	Laundry	2m × 3.5m
Basement	Bathroom	1.5m × 3m
Second	Bathroom	1.5m × 3m
Main	Bathroom	1.5m × 1.5m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $445,000✓ $2,612 tax✓ Gas✓ 1200-1399 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,510/mo

incl. closing costs (yr 1)

Annual total

$54,116

year 1

Mortgage only

$1,688/mo

principal + interest

Beyond mortgage

$1,915/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$89,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$218/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,300 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%$4,450/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$5,375

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)37% $20,258/yr

Property taxes15% $7,987/yr

Utilities7% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance8% $4,450/yr

Condo fees20% $10,761/yr

Closing costs9% $5,100/yr

Mortgage is 37% of your true cost of ownership. The other 63% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$20,258	$1,688/mo
Government & taxes
Property tax	$2,612	$218/mo
Land transfer tax(closing)	$5,375	$448/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%)	$4,450	$371/mo
Condo fees
Condo / HOA fees	$10,761	$897/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	$54,116	$4,510/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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Property details

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Rooms

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Annual costs