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$440K · 3 bed Condo Apartment · 05 - Gananoque, Gananoque | MyPropertyScout

$439,900

Unit 301

92 DOM

3292d

Map

⚡ Insider Deal

DOM 92

↓ $20,000WaterfrontPrice Reduced

$439,900

B●●○○○DOM92days

Unit 301

610 William Street · Gananoque · Ontario K7G 3A4

MLS® X12934688 · 05 - Gananoque · K7G 3A4

32OwnerOccupied1000-1199 ft²Condo ApartmentNone92d$400/ft²$3,800 tax/yrBuilt 198541 yrs old

4% below market · regional est. · 92 days on market

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

About this home

Nestled on the shores of the St. Lawrence River, sits this well-kept, well managed and well-appointed condominium building on a very quiet street in the vibrant town of Gananoque. A rare offering for this unit with 3 bedrooms, 1 full bath and a bath ensuite; Conveniently located on the main floor it allows for easy access and no worries about waiting for an elevator! With a private balcony offering scenic water views, and steps to the 1000 Islands Playhouse, local shops and pubs and parks, thi…

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Property details

MLS#: X12934688
Status: Buy Now
Beds: 3
Baths: 2 full, 0 half
Size: 1000-1199
Style: Apartment
Type: Condo Apartment
Year built: —

Roof: Unknown
Foundation: Concrete
Property features: Park, Sloping, Waterfront

View: City, Downtown, Park/Greenbelt

Waterfront: Yes
Water view: Direct
Water body: St. Lawrence River
Water frontage: 210.61 ft
Shoreline: Natural
Waterfront features: Waterfront-Deeded

Condo corp #: 6
Balcony: Open
Locker: None
Association amenities: Communal Waterfront Area, Elevator, Party Room/Meeting Room, Visitor Parking
Fees include: Common Elements Included, Building Insurance Included, Parking Included
Pets: Yes-with Restrictions

Garage: None
Garage spaces: 0
Parking: 1 total
Heating: Baseboard
Heating fuel: Electric
Cooling: Wall Unit(s)
Fireplaces: —
Exterior: Brick · Landscaped
Fronting on: —
Cross street: William Street to South Street
Basement: None
Stories: 1
Utilities: —
Laundry: Coin Operated, Laundry Room, Shared
Interior: Carpet Free, Primary Bedroom - Main Floor, Water Meter
Parking features: Reserved/Assigned

Rooms

Level	Room	Dimensions
Main	Foyer	1.1m × 5.9m
Main	Living Room	6.68m × 4.16m
Main	Dining Room	3.04m × 2.53m
Main	Kitchen	2.42m × 2.43m
Main	Primary Bedroom	4.79m × 3.33m
Main	Bathroom	1.21m × 1.89m
Main	Bedroom 2	3.11m × 2.42m
Main	Bedroom 3	3.04m × 2.74m
Main	Bathroom	1.68m × 2.24m
Main	Utility Room	1.68m × 0.91m

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: RE/MAX SERVICE FIRST REALTY INC., BROKERAGE

Source: TRREB/PROPTX · MLS® X12934688

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$440K

Unit 301 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $439,900✓ $3,800 tax✓ Electric✓ 1000-1199 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,181/mo

incl. closing costs (yr 1)

Annual total

$50,178

year 1

Mortgage only

$1,669/mo

principal + interest

Beyond mortgage

$1,615/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$317/mo

Utilities

Hydro / electricity$75/mo

≈ $0.13/ft² × ~1,100 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%$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

Condo / HOA fees (mo)$52/mo

From listing or typical fee

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)40% $20,026/yr

Property taxes18% $9,073/yr

Utilities5% $2,460/yr

Insurance & security3% $1,600/yr

Maintenance9% $4,399/yr

Condo fees15% $7,520/yr

Closing costs10% $5,100/yr

Mortgage is 40% of your true cost of ownership. The other 60% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$20,026	$1,669/mo
Government & taxes
Property tax	$3,800	$317/mo
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
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$4,399	$367/mo
Condo fees
Condo / HOA fees	$7,520	$627/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	$50,178	$4,181/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 301

About this home

MyStreetValue™ Analysis

Property details

Rooms

Sales History

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Annual costs