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$300K · 2 bed Condo Apartment · 3504 - Castle Heights/Rideau High, Overbrook - Castleheights and Area | MyPropertyScout

$300,000

Unit 401

22OwnerOccupied

Map

$300,000

Unit 401

646 Cummings Avenue · Overbrook - Castleheights and Area · Ontario K1K 2K6

MLS® X12943076 · 3504 - Castle Heights/Rideau High · K1K 2K6

22OwnerOccupied800-899 ft²Condo ApartmentNone$353/ft²$2,626 tax/yr

Neighbourhood Range

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About this home

For anyone looking for a condo with ample space, quality finishes, and a central location at a GREAT price, this one's for you! Ideally situated, this boutique condo is close to numerous schools, all the amenities of Beechwood and St. Laurent and easy access to transit, while also surrounded by numerous parks, green space and just a short distance to the beautiful Ottawa River trails and parkway. Living here, you can enjoy being both centrally located and still close to nature. This two bedroom,…

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Property details

MLS#: X12943076
Status: Buy Now
Beds: 2
Baths: 2 full, 0 half
Size: 800-899
Style: Apartment
Type: Condo Apartment
Year built: —

Property features: Public Transit

Condo corp #: 848
Balcony: Juliette
Locker: Exclusive
Fees include: Water Included, Parking Included, Building Insurance 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: Stone, Stucco (Plaster)
Fronting on: —
Cross street: Wilson Street
Basement: None
Stories: 4
Utilities: —
Laundry: Ensuite, In-Suite Laundry
Interior: Carpet Free
Parking features: Reserved/Assigned, Surface, Private

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® X12943076

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$300K

Unit 401 · Bryon Bertrim

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $300,000✓ $2,626 tax✓ Electric✓ 800-899 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,262/mo

incl. closing costs (yr 1)

Annual total

$39,146

year 1

Mortgage only

$1,138/mo

principal + interest

Beyond mortgage

$1,418/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$60,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$219/mo

Utilities

Hydro / electricity$75/mo

≈ $0.13/ft² × ~850 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%$3,000/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)$54/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$2,975

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)35% $13,657/yr

Property taxes14% $5,601/yr

Utilities6% $2,460/yr

Insurance & security4% $1,600/yr

Maintenance8% $3,000/yr

Condo fees20% $7,728/yr

Closing costs13% $5,100/yr

Mortgage is 35% of your true cost of ownership. The other 65% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$13,657	$1,138/mo
Government & taxes
Property tax	$2,626	$219/mo
Land transfer tax(closing)	$2,975	$248/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%)	$3,000	$250/mo
Condo fees
Condo / HOA fees	$7,728	$644/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	$39,146	$3,262/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 401

About this home

MyStreetValue™ Analysis

Property details

Rooms

Sales History

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Annual costs