$350K · 1+1 bed Condo Apartment · Riverdale, Hamilton

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About this home

Welcome to this beautifully UPGRADED south-facing 1-bedroom + den condo, filled with natural light and featuring a bright, open-concept layout and a spacious balcony for seamless indoor-outdoor living. The modern kitchen showcases a quartz island and countertops, stainless steel appliances, and big sleek cabinetry. The primary bedroom includes Ikea wardrobe closet, while the versatile den is perfect for a home office, workout corner or a play area. Enjoy the convenience of underground parking an…

Property details

MLS#

X13062280

Status

Buy Now

Beds

1+1

Baths

1 full, 0 half

Size

600-699

Style

Apartment

Type

Condo Apartment

Year built

—

Condo corp #: 664
Balcony: Open
Locker: Owned
Fees include: Common Elements Included
Pets: Yes-with Restrictions

Garage: 1-car Underground
Garage spaces: 1
Parking: 1 total
Heating: Forced Air
Heating fuel: Electric
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick, Concrete
Fronting on: —
Cross street: Barton St E/Grays Rd
Basement: None
Stories: 2
Utilities: —
Laundry: Ensuite
Interior: Carpet Free
Parking features: —

Level	Room	Dimensions
Main	Living Room	4.63m × 3.01m
Main	Primary Bedroom	3.53m × 2.47m
Main	Kitchen	2.77m × 3m
Main	Den	2.71m × 2.47m

Level

Room

Dimensions

Main

Living Room

4.63m × 3.01m

Main

Primary Bedroom

3.53m × 2.47m

Main

Kitchen

2.77m × 3m

Main

Den

2.71m × 2.47m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $349,999✓ $0 tax✓ Electric✓ 600-699 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,093/mo

incl. closing costs (yr 1)

Annual total

$37,120

year 1

Mortgage only

$1,328/mo

principal + interest

Beyond mortgage

$997/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$70,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$0/mo

Utilities

Hydro / electricity$75/mo

≈ $0.13/ft² × ~650 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%$3,500/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)$33/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$3,725

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)43% $15,933/yr

Property taxes10% $3,725/yr

Utilities7% $2,460/yr

Insurance & security4% $1,600/yr

Maintenance9% $3,500/yr

Condo fees13% $4,802/yr

Closing costs14% $5,100/yr

Mortgage is 43% of your true cost of ownership. The other 57% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$15,933	$1,328/mo
Government & taxes
Land transfer tax(closing)	$3,725	$310/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%)	$3,500	$292/mo
Condo fees
Condo / HOA fees	$4,802	$400/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	$37,120	$3,093/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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