$678K · 2 bed Condo Apartment · 1009 - JC Joshua Creek, Oakville

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About this home

Welcome to this bright and spacious 2-bedroom, 2-bathroom condo offering 868 sq. ft. of thoughtfully designed living space. Featuring soaring 10-foot ceilings, an open-concept layout, and plenty of natural light, this unit feels both comfortable and inviting. Enjoy the convenience of 2 parking spaces and a functional floor plan perfect for everyday living. Located in the highly desirable Emporium building on Prince Michael Drive, this is a fantastic opportunity to own a stylish home in a sought-…

Property details

MLS#

W13236898

Status

Buy Now

Beds

Baths

2 full, 0 half

Size

800-899

Style

Apartment

Type

Condo Apartment

Year built

—

Condo corp #: 595
Balcony: Open
Locker: Owned
Association amenities: Indoor Pool, Gym, Party Room/Meeting Room, Guest Suites, Media Room, Concierge
Fees include: Water Included, Common Elements Included, Parking Included, Building Insurance Included, Heat Included
Pets: Yes-with Restrictions

Garage: 2-car Underground
Garage spaces: 2
Parking: 2 total
Heating: Other
Heating fuel: Gas
Cooling: Other
Fireplaces: —
Waterfront: No
Exterior: Concrete, Brick
Fronting on: —
Cross street: Prince Michael & Dundas
Basement: None
Stories: 7
Utilities: —
Laundry: In-Suite Laundry
Interior: Carpet Free
Parking features: —

Level	Room	Dimensions
Flat	Kitchen	2.29m × 2.67m
Flat	Living Room	3.12m × 5.79m
Flat	Dining Room	3.12m × 5.79m
Flat	Bedroom	3.05m × 3.81m
Flat	Bedroom 2	2.67m × 2.51m

Level

Room

Dimensions

Flat

Kitchen

2.29m × 2.67m

Flat

Living Room

3.12m × 5.79m

Flat

Dining Room

3.12m × 5.79m

Flat

Bedroom

3.05m × 3.81m

Flat

Bedroom 2

2.67m × 2.51m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $678,000✓ $3,322 tax✓ Gas✓ 800-899 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$5,959/mo

incl. closing costs (yr 1)

Annual total

$71,511

year 1

Mortgage only

$2,572/mo

principal + interest

Beyond mortgage

$2,093/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$135,600

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$277/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~850 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%$6,780/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)$68/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$10,035

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)43% $30,865/yr

Property taxes19% $13,357/yr

Utilities6% $3,960/yr

Insurance & security2% $1,600/yr

Maintenance9% $6,780/yr

Condo fees14% $9,848/yr

Closing costs7% $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)	$30,865	$2,572/mo
Government & taxes
Property tax	$3,322	$277/mo
Land transfer tax(closing)	$10,035	$836/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%)	$6,780	$565/mo
Condo fees
Condo / HOA fees	$9,848	$821/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	$71,511	$5,959/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