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$325K · 2 bed Condo Apartment · 05 - Gananoque, Gananoque | MyPropertyScout

$325,000

Unit 1102

21OwnerOccupied

Map

$325,000

D●●○○○

Unit 1102

237 Oak Street · Gananoque · Ontario K7G 2R5

MLS® X12716996 · 05 - Gananoque · K7G 2R5

21OwnerOccupied700-799 ft²Condo ApartmentNone$434/ft²$2,770 tax/yrBuilt 200323 yrs old

8% above market · regional est.

Scoring based on Property Scout Neighbourhood Intelligence — use as guidance only, sometimes it's not so intelligent 👍

About this home

Welcome to your maintenance-free living in the heart of picturesque Gananoque - the perfect blend of comfort, convenience, and low-stress living! This beautifully appointed 2-bedroom, condo offers a thoughtfully designed layout, ideal for those seeking a lock-and-leave lifestyle.Step into a welcoming, sun-filled living space where the open-concept design creates a seamless flow between living, dining, and kitchen areas - perfect for entertaining or everyday comfort.Imagine never worrying about:…

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Property details

MLS#: X12716996
Status: Buy Now
Beds: 2
Baths: 1 full, 0 half
Size: 700-799
Style: Apartment
Type: Condo Apartment
Year built: —

Property features: Greenbelt/Conservation, Fenced Yard, Cul de Sac/Dead End

View: City, Garden, Park/Greenbelt

Condo corp #: 39
Balcony: None
Locker: Ensuite
Fees include: Parking Included
Pets: Yes-with Restrictions

Garage: None
Garage spaces: 0
Parking: 1 total
Heating: Baseboard
Heating fuel: Electric
Cooling: Wall Unit(s)
Fireplaces: —
Waterfront: No
Exterior: Brick, Concrete Block
Fronting on: —
Cross street: First
Basement: None
Stories: 1
Utilities: —
Laundry: Ensuite
Interior: Storage Area Lockers
Parking features: Surface, Reserved/Assigned

Rooms

Room dimensions are not available for this listing.

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: RE/MAX HALLMARK REALTY GROUP

Source: TRREB/PROPTX · MLS® X12716996

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$325K

Unit 1102 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $325,000✓ $2,770 tax✓ Electric✓ 700-799 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,219/mo

incl. closing costs (yr 1)

Annual total

$38,623

year 1

Mortgage only

$1,233/mo

principal + interest

Beyond mortgage

$1,248/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$65,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$231/mo

Utilities

Hydro / electricity$75/mo

≈ $0.13/ft² × ~750 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%$3,250/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)$37/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$3,350

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)38% $14,795/yr

Property taxes16% $6,120/yr

Utilities6% $2,460/yr

Insurance & security4% $1,600/yr

Maintenance8% $3,250/yr

Condo fees14% $5,298/yr

Closing costs13% $5,100/yr

Mortgage is 38% of your true cost of ownership. The other 62% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$14,795	$1,233/mo
Government & taxes
Property tax	$2,770	$231/mo
Land transfer tax(closing)	$3,350	$279/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%)	$3,250	$271/mo
Condo fees
Condo / HOA fees	$5,298	$441/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	$38,623	$3,219/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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Unit 1102

About this home

MyStreetValue™ Analysis

Property details

Rooms

Sales History

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Annual costs