$595K · 3 bed Detached · 4205 - West Centre Town, West Centre Town

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About this home

Prime Booth Street opportunity with endless potential. Whether you're an investor or a savvy first-time buyer, this downtown property delivers location, charm, and upside in equal measure. This 3-bedroom, 1-bath single-family home features a welcoming open concept living and dining area, ideal for everyday living or hosting friends. The sun-filled English-cottage style kitchen includes a casual eat-in space and access to a peaceful, fully fenced backyard framed by mature trees and lush greenery.…

Property details

MLS#

X13077454

Status

Buy Now

Beds

Baths

1 full, 0 half

Size

1100-1500

Style

2-Storey

Type

Detached

Year built

—

Frontage: 6.94 ft
Lot dimensions: 22.91 × 92.75

Roof: Asphalt Shingle
Foundation: Block
Property features: Public Transit, Park, Fenced Yard, School, Rec./Commun.Centre

Garage: None
Garage spaces: 0
Parking: 1 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Pool: No
Waterfront: No
Exterior: Vinyl Siding · Privacy, Patio
Fronting on: East
Cross street: Raymond and Arlington
Basement: Unfinished
Stories: —
Utilities: —
Laundry: —
Interior: None
Parking features: Lane

Level	Room	Dimensions
Main	Living Room	2.86m × 3.96m
Main	Dining Room	3.2m × 3.06m
Main	Kitchen	3.88m × 4.06m
Main	Foyer	0.95m × 1.72m
Second	Primary Bedroom	3.44m × 3.77m
Second	Bedroom 2	2.5m × 3.32m
Second	Bedroom 3	2.33m × 3.26m
Second	Bathroom	3.23m × 3.23m

Level

Room

Dimensions

Main

Living Room

2.86m × 3.96m

Main

Dining Room

3.2m × 3.06m

Main

Kitchen

3.88m × 4.06m

Main

Foyer

0.95m × 1.72m

Second

Primary Bedroom

3.44m × 3.77m

Second

Bedroom 2

2.5m × 3.32m

Second

Bedroom 3

2.33m × 3.26m

Second

Bathroom

3.23m × 3.23m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $594,900✓ $4,538 tax✓ Gas✓ 1100-1500 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,733/mo

incl. closing costs (yr 1)

Annual total

$56,794

year 1

Mortgage only

$2,257/mo

principal + interest

Beyond mortgage

$1,320/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$118,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$378/mo

Utilities

Hydro / electricity$91/mo

≈ $0.07/ft² × ~1,300 ft² · ON avg ~$91/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%$5,949/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

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$8,373

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)48% $27,082/yr

Property taxes23% $12,911/yr

Utilities7% $4,152/yr

Insurance & security3% $1,600/yr

Maintenance10% $5,949/yr

Closing costs9% $5,100/yr

Mortgage is 48% of your true cost of ownership. The other 52% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$27,082	$2,257/mo
Government & taxes
Property tax	$4,538	$378/mo
Land transfer tax(closing)	$8,373	$698/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$1,092	$91/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$5,949	$496/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	$56,794	$4,733/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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477 Booth Street

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Annual costs