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$440K · 0 bed Condo Apartment · 4103 - Ottawa Centre, Ottawa Centre | MyPropertyScout

$439,900

Unit 207

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$439,900

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Unit 207

10 James Street · Ottawa Centre · Ontario K2P 1T2

MLS® X12745390 · 4103 - Ottawa Centre · K2P 1T2

01TenantOccupied500-599 ft²Condo ApartmentNone$801/ft²$0 tax/yrBuilt 20233 yrs old

0% below market

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

About this home

Refined bachelor condominium with a dedicated study at 10 James Street, positioned in the core of downtown Ottawa. This bright, intelligently designed suite delivers efficient urban living without compromise. The open-concept layout maximizes functionality, anchored by a modern kitchen with stainless steel appliances and clean, contemporary finishes. In-suite laundry adds everyday convenience, while panoramic city views provide views of the striking sunrise with the east-facing view every mornin…

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Property details

MLS#: X12745390
Status: Buy Now
Beds: 0
Baths: 1 full, 0 half
Size: 500-599
Style: Apartment
Type: Condo Apartment
Year built: —

Condo corp #: 123
Balcony: None
Locker: None
Fees include: Heat Included, Water Included, Building Insurance Included
Pets: Yes-with Restrictions

Garage: None
Garage spaces: 0
Parking: 0 total
Heating: Heat Pump
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick Veneer, Metal/Steel Siding
Fronting on: —
Cross street: Bank and James
Basement: None
Stories: —
Utilities: —
Laundry: Ensuite
Interior: Air Exchanger
Parking features: —

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: RIGHT AT HOME REALTY

Source: TRREB/PROPTX · MLS® X12745390

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$440K

Unit 207 · Bryon Bertrim

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $439,900✓ $0 tax✓ Gas✓ 500-599 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,363/mo

incl. closing costs (yr 1)

Annual total

$40,358

year 1

Mortgage only

$1,669/mo

principal + interest

Beyond mortgage

$797/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$87,980

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 × ~550 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%$4,399/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

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$5,273

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)50% $20,026/yr

Property taxes13% $5,273/yr

Utilities10% $3,960/yr

Insurance & security4% $1,600/yr

Maintenance11% $4,399/yr

Closing costs13% $5,100/yr

Mortgage is 50% of your true cost of ownership. The other 50% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$20,026	$1,669/mo
Government & taxes
Land transfer tax(closing)	$5,273	$439/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%)	$4,399	$367/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	$40,358	$3,363/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 207

About this home

MyStreetValue™ Analysis

Property details

Rooms

Sales History

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Annual costs