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$450K · 3+2 bed Detached · 05 - Gananoque, Gananoque | MyPropertyScout

$449,900

353 Charles Street

3+22TenantOccupied

Map

$449,900

A●●●○○

353 Charles Street

Gananoque · Ontario K7G 1V6

MLS® X13104980 · 05 - Gananoque · K7G 1V6

3+22TenantOccupied700-1100 ft²DetachedNone$500/ft²Lot 59.4 x 161.9 ft$3,092 tax/yrBuilt 200323 yrs old

10% below market

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

About this home

Welcome to this charming 3-bedroom bungalow in the heart of Gananoque. The main level features a bright and spacious kitchen, full bath, and three well-sized bedrooms designed for everyday comfort. The lower-level in-law suite offers its own entrance, a bedroom, den, and in-suite laundry, creating an ideal setup for extended family or generating rental income. Set on a mature lot, the property provides privacy and room to enjoy the outdoors, whether it's gardening, relaxing, or entertaining. Wit…

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Property details

MLS#: X13104980
Status: Buy Now
Beds: 3+2
Baths: 2 full, 0 half
Size: 700-1100
Style: Bungalow
Type: Detached
Year built: —

Roof: Asphalt Shingle
Foundation: Block
Property features: Golf

Garage: None
Garage spaces: 0
Parking: 4 total
Lot: 59.4 × 161.85
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Pool: No
Waterfront: No
Exterior: Vinyl Siding · Deck, Porch
Fronting on: East
Cross street: Georgina Street and North Street
Basement: Separate Entrance, Finished
Stories: —
Utilities: —
Laundry: —
Interior: On Demand Water Heater
Parking features: Private Double

Rooms

Level	Room	Dimensions
Main	Kitchen	5.16m × 3.38m
Main	Living Room	4.22m × 5.16m
Main	Bathroom	2.06m × 2.46m
Main	Bedroom	2.9m × 3.23m
Main	Bedroom	3.1m × 3.2m
Main	Primary Bedroom	4.06m × 4.24m
Lower	Kitchen	2.84m × 3.1m
Lower	Bathroom	1.93m × 2.9m
Lower	Bedroom	2.77m × 3.1m
Lower	Primary Bedroom	4.6m × 3.61m
Lower	Dining Room	1.96m × 2.18m
Lower	Family Room	4.67m × 4.65m

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: RE/MAX RISE EXECUTIVES, BROKERAGE

Source: TRREB/PROPTX · MLS® X13104980

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$450K

353 Charles Street · Bryon Bertrim

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $449,900✓ $3,092 tax✓ Gas✓ 700-1100 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,684/mo

incl. closing costs (yr 1)

Annual total

$44,205

year 1

Mortgage only

$1,707/mo

principal + interest

Beyond mortgage

$1,063/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$89,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$258/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~900 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%$4,499/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$5,473

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)46% $20,481/yr

Property taxes19% $8,565/yr

Utilities9% $3,960/yr

Insurance & security4% $1,600/yr

Maintenance10% $4,499/yr

Closing costs12% $5,100/yr

Mortgage is 46% of your true cost of ownership. The other 54% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$20,481	$1,707/mo
Government & taxes
Property tax	$3,092	$258/mo
Land transfer tax(closing)	$5,473	$456/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%)	$4,499	$375/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	$44,205	$3,684/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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353 Charles Street

About this home

MyStreetValue™ Analysis

Property details

Rooms

Sales History

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Annual costs