$500K · 2+1 bed Condo Townhouse · South X, London South

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About this home

Fantastic one floor condo with an attached garage and finished basement! Located within walking distance to White Oaks Mall & library, and access to highways 401 and 402 are just a short drive away. Main floor offers a large living room, updated eat in kitchen with patio door to deck & fenced in yard, renovated bathroom (shower updated in 2024), 2 spacious bedrooms (flooring updated in both in 2024, windows updated in both in 2023), and inside entry from the garage. Downstairs features a big rec…

Property details

MLS#

X13032722

Status

Buy Now

Beds

2+1

Baths

2 full, 0 half

Size

1000-1199

Style

Bungalow

Type

Condo Townhouse

Year built

—

Property features: Fenced Yard, Public Transit

Fireplace features: Electric

Condo corp #: 450
Balcony: None
Locker: None
Fees include: Common Elements Included, Parking Included
Pets: Yes-with Restrictions

Garage: 1-car Attached
Garage spaces: 1
Parking: 2 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Waterfront: No
Exterior: Brick
Fronting on: —
Cross street: Stroud and Sholto
Basement: Finished, Full
Stories: 1
Utilities: —
Laundry: In-Suite Laundry
Interior: Primary Bedroom - Main Floor
Parking features: Private

Level	Room	Dimensions
Main	Living Room	5.28m × 5.65m
Main	Kitchen	2.87m × 3.42m
Main	Dining Room	3.02m × 3.42m
Main	Primary Bedroom	3.49m × 5.05m
Main	Bedroom	3m × 3.71m
Lower	Recreation	3.33m × 7.14m
Lower	Bedroom	3.57m × 4.34m
Lower	Other	6.05m × 6.85m
Lower	Utility Room	3.21m × 3.7m

Level

Room

Dimensions

Main

Living Room

5.28m × 5.65m

Main

Kitchen

2.87m × 3.42m

Main

Dining Room

3.02m × 3.42m

Main

Primary Bedroom

3.49m × 5.05m

Main

Bedroom

3m × 3.71m

Lower

Recreation

3.33m × 7.14m

Lower

Bedroom

3.57m × 4.34m

Lower

Other

6.05m × 6.85m

Lower

Utility Room

3.21m × 3.7m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $499,900✓ $3,370 tax✓ Gas✓ 1000-1199 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,352/mo

incl. closing costs (yr 1)

Annual total

$52,220

year 1

Mortgage only

$1,896/mo

principal + interest

Beyond mortgage

$1,457/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$99,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$281/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,100 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%$4,999/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)$28/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$6,473

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)44% $22,758/yr

Property taxes19% $9,843/yr

Utilities8% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance10% $4,999/yr

Condo fees8% $3,960/yr

Closing costs10% $5,100/yr

Mortgage is 44% of your true cost of ownership. The other 56% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$22,758	$1,896/mo
Government & taxes
Property tax	$3,370	$281/mo
Land transfer tax(closing)	$6,473	$539/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%)	$4,999	$417/mo
Condo fees
Condo / HOA fees	$3,960	$330/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	$52,220	$4,352/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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