$999K · 2 bed Condo Townhouse · Kennedy, Hamilton

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About this home

Welcome 18 Sister Kern Terrace, located in the much sought after gated community of St. Elizabeth Village! This home features 2 Bedrooms, 2 Bathrooms, eat-in Kitchen, large living room for entertaining, and Solarium with walkout. Enjoy all the amenities the Village has to offer such as the indoor heated pool, gym, saunas, golf simulator and more while having all your outside maintenance taken care of for you!

Property details

MLS#

X12435179

Status

Conditionally Sold

Beds

Baths

2 full, 0 half

Size

1400-1599

Style

Bungalow

Type

Condo Townhouse

Year built

—

Property features: Golf, Lake/Pond, Place Of Worship, Public Transit

Condo corp #: 489
Balcony: None
Locker: None
Association amenities: BBQs Allowed, Exercise Room, Game Room, Gym, Party Room/Meeting Room, Sauna
Fees include: Water Included, Building Insurance Included, Parking 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: South East Corner of Garth Street & Rymal Road West
Basement: None
Stories: 0
Utilities: —
Laundry: In-Suite Laundry
Interior: None
Parking features: Private

Level	Room	Dimensions
Main	Bedroom	3.63m × 3.66m
Main	Bedroom	3.66m × 4.24m
Main	Kitchen	4.37m × 3.05m
Main	Living Room	5.44m × 6.71m
Main	Sunroom	3.66m × 2.34m

Level

Room

Dimensions

Main

Bedroom

3.63m × 3.66m

Main

Bedroom

3.66m × 4.24m

Main

Kitchen

4.37m × 3.05m

Main

Living Room

5.44m × 6.71m

Main

Sunroom

3.66m × 2.34m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $999,000✓ $0 tax✓ Gas✓ 1400-1599 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$7,994/mo

incl. closing costs (yr 1)

Annual total

$95,930

year 1

Mortgage only

$3,790/mo

principal + interest

Beyond mortgage

$2,375/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$199,800

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$0/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,500 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%$9,990/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)$93/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$16,455

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)47% $45,479/yr

Property taxes17% $16,455/yr

Utilities4% $3,960/yr

Insurance & security2% $1,600/yr

Maintenance10% $9,990/yr

Condo fees14% $13,347/yr

Closing costs5% $5,100/yr

Mortgage is 47% of your true cost of ownership. The other 53% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$45,479	$3,790/mo
Government & taxes
Land transfer tax(closing)	$16,455	$1,371/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%)	$9,990	$833/mo
Condo fees
Condo / HOA fees	$13,347	$1,112/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	$95,930	$7,994/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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18 Sister Kern Terrace

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Annual costs