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$438K · 3 bed Condo Apartment · Junction/Onward Willow, Guelph | MyPropertyScout

$437,979

Unit 402

32OwnerOccupied

Map

$437,979

B●●●○○

Unit 402

105 Bagot Street · Guelph · Ontario N1H 8H4

MLS® X13002658 · Junction/Onward Willow · N1H 8H4

32OwnerOccupied1200-1399 ft²Condo ApartmentNone$337/ft²$2,865 tax/yrBuilt 200323 yrs old

2% below market

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

About this home

This is one of those condos where the space and natural light just make you feel good the moment you walk in. As a corner unit, it is one of the largest in this quiet building, offering over 1,300 sq/ft of living space that feels open, airy, and incredibly bright. It is rare to find this much square footage in a condo setting, making it a perfect opportunity for anyone looking for the comfort of a house with the low-maintenance lifestyle of a condo. The living room layout is a real standout here…

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Property details

MLS#: X13002658
Status: Buy Now
Beds: 3
Baths: 2 full, 0 half
Size: 1200-1399
Style: 1 Storey/Apt
Type: Condo Apartment
Year built: —

Roof: Flat
Property features: Place Of Worship, Park, School

Condo corp #: 84
Balcony: Open
Locker: Owned
Association amenities: Visitor Parking, Party Room/Meeting Room, Elevator
Fees include: Common Elements Included, Building Insurance Included, Parking 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) · Landscaped, Year Round Living, Controlled Entry
Fronting on: —
Cross street: London Road West
Basement: None
Stories: 4
Utilities: —
Laundry: In-Suite Laundry
Interior: None
Parking features: Surface

Rooms

Level	Room	Dimensions
Main	Kitchen	4.02m × 3.61m
Main	Dining Room	3.58m × 2.77m
Main	Living Room	5.04m × 3.23m
Main	Primary Bedroom	5.34m × 4.55m
Main	Bedroom	2.64m × 2.96m
Main	Bedroom	3.8m × 2.99m
Main	Bathroom	2.11m × 2.79m
Main	Bathroom	2.39m × 1.82m

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: Royal LePage Royal City Realty

Source: TRREB/PROPTX · MLS® X13002658

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$438K

Unit 402 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $437,979✓ $2,865 tax✓ Gas✓ 1200-1399 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,681/mo

incl. closing costs (yr 1)

Annual total

$56,171

year 1

Mortgage only

$1,662/mo

principal + interest

Beyond mortgage

$2,125/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$87,596

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$239/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%$4,380/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$5,235

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)35% $19,939/yr

Property taxes14% $8,100/yr

Utilities7% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance8% $4,380/yr

Condo fees23% $13,092/yr

Closing costs9% $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)	$19,939	$1,662/mo
Government & taxes
Property tax	$2,865	$239/mo
Land transfer tax(closing)	$5,235	$436/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%)	$4,380	$365/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	$56,171	$4,681/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 402

About this home

MyStreetValue™ Analysis

Property details

Rooms

Sales History

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Annual costs