$445K · 3 bed Condo Apartment · 1005 - FA Falgarwood, Oakville

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About this home

Take advantage of this great opportunity to own a 1,170 sq. ft. 3-bedroom, 2-storey apartment located in the heart of Oakville. The main floor features spacious living and dining rooms, each with a balcony-perfect for enjoying your morning coffee or relaxing after a long day at work. The open-concept kitchen has a family-sized storage pantry. On the second floor, you'll find three large bedrooms along with a 4-piece bathroom. The apartment includes one underground parking space and an additional…

Property details

MLS#

W13077234

Status

Buy Now

Beds

Baths

2 full, 0 half

Size

1000-1199

Style

2-Storey

Type

Condo Apartment

Year built

—

Condo corp #: 59
Balcony: Open
Locker: Exclusive
Association amenities: Exercise Room, Game Room, Gym, Sauna, Visitor Parking, Elevator
Fees include: Heat Included, Hydro Included, CAC Included, Common Elements Included, Building Insurance 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: Concrete, Stucco (Plaster)
Fronting on: —
Cross street: Trafalgar/ Marlborough
Basement: None
Stories: 2
Utilities: —
Laundry: Coin Operated, In Building, Shared
Interior: Storage Area Lockers
Parking features: —

Level	Room	Dimensions
Main	Living Room	3.35m × 5.99m
Main	Dining Room	2.99m × 3.65m
Main	Kitchen	2.23m × 3.04m
Upper	Primary Bedroom	3.35m × 3.96m
Upper	Bedroom 2	2.69m × 3.04m
Upper	Bedroom 3	2.64m × 4.34m

Level

Room

Dimensions

Main

Living Room

3.35m × 5.99m

Main

Dining Room

2.99m × 3.65m

Main

Kitchen

2.23m × 3.04m

Upper

Primary Bedroom

3.35m × 3.96m

Upper

Bedroom 2

2.69m × 3.04m

Upper

Bedroom 3

2.64m × 4.34m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $445,000✓ $1,744 tax✓ Gas✓ 1000-1199 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,692/mo

incl. closing costs (yr 1)

Annual total

$56,308

year 1

Mortgage only

$1,688/mo

principal + interest

Beyond mortgage

$2,098/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$145/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%$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)$96/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)36% $20,258/yr

Property taxes13% $7,119/yr

Utilities7% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance8% $4,450/yr

Condo fees25% $13,821/yr

Closing costs9% $5,100/yr

Mortgage is 36% of your true cost of ownership. The other 64% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$20,258	$1,688/mo
Government & taxes
Property tax	$1,744	$145/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	$13,821	$1,152/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	$56,308	$4,692/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