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$390K · 3 bed Condo Apartment · Junction/Onward Willow, Guelph | MyPropertyScout

$390,000

Unit 202

32OwnerOccupied

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$390,000

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Unit 202

105 BAGOT Street · Guelph · Ontario N1H 8H4

MLS® X12981852 · Junction/Onward Willow · N1H 8H4

32OwnerOccupied1200-1399 ft²Condo ApartmentNone$300/ft²$3,047 tax/yrBuilt 200323 yrs old

13% below market

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

About this home

Turn-Key Luxury: Renovated 1,302 sqft Corner Unit, one of the largest in this quiet, mid-rise building. Meticulouslyupdated with brand-new vinyl flooring, fresh paint, and modernized bathrooms. The kitchen features stunning new quartzcountertops, a double deep sink, and freshly refinished cabinets alongside sleek appliances. This sun-drenched homeoffers 3 spacious bedrooms and 2 full baths, including a private 3-pc ensuite. High 8.5ft ceilings and long windowsthroughout fill the space with natur…

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Property details

MLS#: X12981852
Status: Buy Now
Beds: 3
Baths: 2 full, 0 half
Size: 1200-1399
Style: Other
Type: Condo Apartment
Year built: —

Roof: Flat
Foundation: Poured Concrete

Condo corp #: 84
Balcony: Open
Locker: Owned
Association amenities: Party Room/Meeting Room, Visitor Parking
Fees include: Building Insurance Included, Common Elements Included, Water Included
Pets: Yes-with Restrictions

Garage: None
Garage spaces: 0
Parking: 1 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Concrete, Stucco (Plaster)
Fronting on: —
Cross street: Paisley Road to Bagot St
Basement: None
Stories: 2
Utilities: —
Laundry: Ensuite
Interior: Water Softener
Parking features: Surface

Rooms

Level	Room	Dimensions
Main	Living Room	3.17m × 5.16m
Main	Dining Room	2.77m × 3.58m
Main	Kitchen	3.58m × 4.04m
Main	Primary Bedroom	3m × 3.81m
Main	Bathroom	—
Main	Bedroom	2.92m × 2.67m
Main	Bedroom	3m × 3.81m
Main	Bathroom	—

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: RE/MAX REAL ESTATE CENTRE INC.

Source: TRREB/PROPTX · MLS® X12981852

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$390K

Unit 202 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $390,000✓ $3,047 tax✓ Gas✓ 1200-1399 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,398/mo

incl. closing costs (yr 1)

Annual total

$52,778

year 1

Mortgage only

$1,480/mo

principal + interest

Beyond mortgage

$2,100/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$78,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$254/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,300 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%$3,900/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)$91/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$4,325

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)34% $17,754/yr

Property taxes14% $7,372/yr

Utilities8% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance7% $3,900/yr

Condo fees25% $13,092/yr

Closing costs10% $5,100/yr

Mortgage is 34% of your true cost of ownership. The other 66% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$17,754	$1,480/mo
Government & taxes
Property tax	$3,047	$254/mo
Land transfer tax(closing)	$4,325	$360/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%)	$3,900	$325/mo
Condo fees
Condo / HOA fees	$13,092	$1,091/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	$52,778	$4,398/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 202

About this home

MyStreetValue™ Analysis

Property details

Rooms

Sales History

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Annual costs