$339K · 1 bed Condo Apartment · Riverdale, Hamilton

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About this home

Fantastic opportunity to own in one of Hamilton and Stoney Creek's most prestigious brand-new condo residences. Perched on the 5th floor, this beautifully designed 1+1-bedroom suite offers breathtaking views of the city skyline, Niagara Escarpment and glimpses of Lake Ontario. The open concept layout is bright and functional, featuring 9-foot ceilings, luxury finishes and smart home technology throughout. The spacious den provides flexibility for a home office, guest space or additional living a…

Property details

MLS#

X13092000

Status

Buy Now

Beds

Baths

1 full, 0 half

Size

500-599

Style

1 Storey/Apt

Type

Condo Apartment

Year built

—

Property features: Electric Car Charger, Greenbelt/Conservation, Hospital, Park, School

Condo corp #: 664
Balcony: Terrace
Locker: None
Fees include: Common Elements Included, Building Insurance Included, CAC Included
Pets: Yes-with Restrictions

Garage: None
Garage spaces: 0
Parking: 0 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick, Concrete
Fronting on: —
Cross street: Garys Rd & Barton St
Basement: None
Stories: 5
Utilities: —
Laundry: In-Suite Laundry
Interior: Carpet Free
Parking features: None

Level	Room	Dimensions
Main	Kitchen	2.9m × 7.21m
Main	Primary Bedroom	2.84m × 3.02m
Main	Den	1.96m × 2.54m
Main	Bathroom	—

Level

Room

Dimensions

Main

Kitchen

2.9m × 7.21m

Main

Primary Bedroom

2.84m × 3.02m

Main

Den

1.96m × 2.54m

Main

Bathroom

—

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $339,000✓ $0 tax✓ Gas✓ 500-599 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,082/mo

incl. closing costs (yr 1)

Annual total

$36,990

year 1

Mortgage only

$1,286/mo

principal + interest

Beyond mortgage

$1,041/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$67,800

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$0/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~550 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%$3,390/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)$27/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$3,560

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)42% $15,433/yr

Property taxes10% $3,560/yr

Utilities11% $3,960/yr

Insurance & security4% $1,600/yr

Maintenance9% $3,390/yr

Condo fees11% $3,947/yr

Closing costs14% $5,100/yr

Mortgage is 42% of your true cost of ownership. The other 58% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$15,433	$1,286/mo
Government & taxes
Land transfer tax(closing)	$3,560	$297/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%)	$3,390	$283/mo
Condo fees
Condo / HOA fees	$3,947	$329/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	$36,990	$3,082/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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Annual costs