$480K · 1 bed Common Element Condo · Ancaster, Hamilton

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About this home

Step into elevated living in this recently built, beautifully appointed condo in a fantastic Ancaster community. Designed with style and comfort in mind, this 1-bedroom, 1.5-bath suite delivers the perfect blend of modern luxury and everyday ease. The open-concept layout feels airy and inviting, anchored by a stunning chef-inspired kitchen featuring sleek stainless steel appliances, quartz countertops, subway tile backsplash, contemporary cabinetry, and a generous breakfast bar made for casual m…

Property details

MLS#

X12813568

Status

Buy Now

Beds

Baths

2 full, 0 half

Size

600-699

Style

1 Storey/Apt

Type

Common Element Condo

Year built

—

Roof: Flat
Foundation: Poured Concrete
Property features: Golf, Clear View, Public Transit, School, School Bus Route

View: Clear

Condo corp #: 600
Balcony: Open
Locker: Exclusive
Fees include: 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: Stone, Stucco (Plaster) · Landscaped, Year Round Living
Fronting on: —
Cross street: Garner Rd/Munay Ln
Basement: None
Stories: 4
Utilities: —
Laundry: Laundry Closet
Interior: Auto Garage Door Remote
Parking features: Inside Entry

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $479,900✓ $3,622 tax✓ Gas✓ 600-699 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,337/mo

incl. closing costs (yr 1)

Annual total

$52,043

year 1

Mortgage only

$1,821/mo

principal + interest

Beyond mortgage

$1,552/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$95,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$302/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~650 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%$4,799/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)$35/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$6,073

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)42% $21,847/yr

Property taxes19% $9,695/yr

Utilities8% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance9% $4,799/yr

Condo fees10% $5,042/yr

Closing costs10% $5,100/yr

Mortgage is 42% of your true cost of ownership. The other 58% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$21,847	$1,821/mo
Government & taxes
Property tax	$3,622	$302/mo
Land transfer tax(closing)	$6,073	$506/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%)	$4,799	$400/mo
Condo fees
Condo / HOA fees	$5,042	$420/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	$52,043	$4,337/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