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$650K · 3+1 bed Condo Townhouse · 057 - Smithville, West Lincoln | MyPropertyScout

$649,999

88 Severino Circle

81 DOM

3+1481d

Map

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DOM 81

↓ $12,501Price Reduced

$649,999

B●●●○○DOM81days

88 Severino Circle

West Lincoln · Ontario L0R 2A0

MLS® X12983120 · 057 - Smithville · L0R 2A0

3+14OwnerOccupied1400-1599 ft²Condo Townhouse1-car Attached81d$433/ft²$4,778 tax/yr

4% below market · 81 days on market

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

About this home

Discover your dream sanctuary at 88 Severino Circle, nestled in the heart of beautiful Smithville, Ontario. With a $140 maintenance fee, its truly care free living. This elegant 4 bedroom, 3.5 bathroom home exudes timeless charm and modern comfort, offering the perfect home for families who cherish both style and serenity. Step inside to soaring ceilings, abundant natural light, and thoughtfully designed living spaces that flow effortlessly from room to room. The gourmet inspired kitchen opens t…

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Property details

MLS#: X12983120
Status: Buy Now
Beds: 3+1
Baths: 4 full, 0 half
Size: 1400-1599
Style: 2-Storey
Type: Condo Townhouse
Year built: —

Foundation: Concrete
Property features: Park, School

Condo corp #: 284
Balcony: None
Locker: None
Fees include: Common Elements Included
Pets: Yes-with Restrictions

Garage: 1-car Attached
Garage spaces: 1
Parking: 2 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick, Stone
Fronting on: —
Cross street: Streamside
Basement: Finished, Full
Stories: 1
Utilities: —
Laundry: In-Suite Laundry
Interior: None
Parking features: Private

Rooms

Level	Room	Dimensions
Second	Primary Bedroom	3.66m × 4.27m
Second	Bedroom	3.4m × 3.05m
Second	Primary Bedroom	3.4m × 3.07m
Main	Kitchen	3.51m × 2.64m
Main	Breakfast	2.54m × 2.64m
Main	Great Room	2.49m × 3.45m
Basement	Bedroom	2.82m × 3.96m

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: CENTURY 21 HERITAGE HOUSE LTD.

Source: TRREB/PROPTX · MLS® X12983120

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$650K

88 Severino Circle · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $649,999✓ $4,778 tax✓ Gas✓ 1400-1599 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$5,224/mo

incl. closing costs (yr 1)

Annual total

$62,684

year 1

Mortgage only

$2,466/mo

principal + interest

Beyond mortgage

$1,510/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$130,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$398/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,500 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%$6,500/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)$12/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$9,475

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)47% $29,591/yr

Property taxes23% $14,253/yr

Utilities6% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance10% $6,500/yr

Condo fees3% $1,680/yr

Closing costs8% $5,100/yr

Mortgage is 47% of your true cost of ownership. The other 53% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$29,591	$2,466/mo
Government & taxes
Property tax	$4,778	$398/mo
Land transfer tax(closing)	$9,475	$790/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%)	$6,500	$542/mo
Condo fees
Condo / HOA fees	$1,680	$140/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	$62,684	$5,224/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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88 Severino Circle

About this home

MyStreetValue™ Analysis

Property details

Rooms

Sales History

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Annual costs