$425K · 3 bed Detached · Town Ward 3, Peterborough

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About this home

Welcome to your perfect retreat in the heart of Peterborough. This beautifully maintained 1 1/2-storey home blends charm, comfort, and modern convenience, just a 15-minute stroll to the waterfront. Filled with natural light and timeless character, it features a bright south-facing sunroom, updated in 2023, offering the perfect spot for morning coffee or relaxing year-round. Thoughtful upgrades include an electric vehicle charger (2022) and a kitchen sink water filtration system (2025). Additiona…

Property details

MLS#

X13105242

Status

Buy Now

Beds

Baths

2 full, 0 half

Size

1100-1500

Style

1 1/2 Storey

Type

Detached

Year built

—

Roof: Shingles
Foundation: Stone
Property features: Electric Car Charger, Fenced Yard, Public Transit, School, School Bus Route, Rec./Commun.Centre

Garage: None
Garage spaces: 0
Parking: 3 total
Lot: 30 × 101
Heating: Water
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Pool: No
Waterfront: No
Exterior: Aluminum Siding, Stone · Deck, Porch
Fronting on: South
Cross street: EAST OF RUTHERFORD AND NORTH OF WOLFE
Basement: Full, Unfinished
Stories: —
Utilities: —
Laundry: —
Interior: Other
Parking features: Private Triple

Level	Room	Dimensions
Main	Living Room	4.5723m × 3.6576m
Main	Dining Room	3.9624m × 3.6576m
Main	Kitchen	3.3528m × 4.5723m
Main	Sunroom	3.6576m × 5.1816m
Second	Primary Bedroom	2.7432m × 4.5723m
Second	Bedroom 2	2.1336m × 3.6577m
Second	Bedroom 3	2.1336m × 3.3528m

Level

Room

Dimensions

Main

Living Room

4.5723m × 3.6576m

Main

Dining Room

3.9624m × 3.6576m

Main

Kitchen

3.3528m × 4.5723m

Main

Sunroom

3.6576m × 5.1816m

Second

Primary Bedroom

2.7432m × 4.5723m

Second

Bedroom 2

2.1336m × 3.6577m

Second

Bedroom 3

2.1336m × 3.3528m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $425,000✓ $3,167 tax✓ Gas✓ 1100-1500 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,549/mo

incl. closing costs (yr 1)

Annual total

$42,592

year 1

Mortgage only

$1,612/mo

principal + interest

Beyond mortgage

$1,064/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$85,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$264/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%$4,250/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$4,975

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)45% $19,348/yr

Property taxes19% $8,142/yr

Utilities10% $4,152/yr

Insurance & security4% $1,600/yr

Maintenance10% $4,250/yr

Closing costs12% $5,100/yr

Mortgage is 45% of your true cost of ownership. The other 55% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$19,348	$1,612/mo
Government & taxes
Property tax	$3,167	$264/mo
Land transfer tax(closing)	$4,975	$415/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%)	$4,250	$354/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	$42,592	$3,549/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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505 Paterson Street

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Annual costs