$1.35M · 3 bed Condo Townhouse · 540 - Grimsby Beach, Grimsby

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About this home

**ASSIGNMENT SALE - RARE OPPORTUNITY- ****BUILDER WILLING TO HONOUR CURRENT HST REBATE**** WELL BELOW ORIGINALY PURCHASED BUILDER PRICE**** Completion set for JULY 1st, 2026 or can be extended to late August 2026! Be One Of Only 8 Ultra Luxury Town Owners On The Waterfront With a Private Elevator, Roof Top Terrace Offering An Unobstructed Water View. The "Harbour" Model, 2638 Sq. Ft. | 3 Bedrooms | 3.5 Baths | Rooftop Patio (500 Sq. ft.) at Inspiration Point, where luxury meets waterfront living…

Property details

MLS#

X13106898

Status

Conditionally Sold

Beds

Baths

4 full, 0 half

Size

2500-2749

Style

3-Storey

Type

Condo Townhouse

Year built

—

Roof: Asphalt Shingle
Foundation: Concrete
Property features: Beach, Clear View, Cul de Sac/Dead End, Lake Access, Marina, Park

Fireplace features: Natural Gas

View: Marina, Park/Greenbelt, Water, Panoramic, Beach

Waterfront: Yes
Water view: Direct,Partially Obstructive
Water body: Lake Ontario
Shoreline: Unknown
Waterfront features: Boat Slip, Marina Services

Condo corp #: 0
Balcony: None
Locker: None
Association amenities: Private Marina, Visitor Parking, Rooftop Deck/Garden, BBQs Allowed
Fees include: Heat Included, Parking Included, Common Elements Included, Building Insurance Included
Pets: Yes-with Restrictions

Garage: 2-car Built-In
Garage spaces: 2
Parking: 3 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Exterior: Brick, Stucco (Plaster)
Fronting on: —
Cross street: Lake st and Onatrio st
Basement: None
Stories: 1
Utilities: —
Laundry: In-Suite Laundry
Interior: Water Heater
Parking features: Private

Level	Room	Dimensions
Main	Kitchen	3.53m × 3.68m
Main	Breakfast	2.68m × 3.56m
Main	Dining Room	2.92m × 3.35m
Main	Living Room	4.87m × 7.62m
Second	Bedroom 2	3.1m × 3.05m
Second	Primary Bedroom	4.72m × 4.83m
Second	Bedroom 3	3.05m × 3.35m
Ground	Recreation	4.57m × 7.62m

Level

Room

Dimensions

Main

Kitchen

3.53m × 3.68m

Main

Breakfast

2.68m × 3.56m

Main

Dining Room

2.92m × 3.35m

Main

Living Room

4.87m × 7.62m

Second

Bedroom 2

3.1m × 3.05m

Second

Primary Bedroom

4.72m × 4.83m

Second

Bedroom 3

3.05m × 3.35m

Ground

Recreation

4.57m × 7.62m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $1,349,000✓ $0 tax✓ Gas✓ 2500-2749 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$9,111/mo

incl. closing costs (yr 1)

Annual total

$109,330

year 1

Mortgage only

$5,118/mo

principal + interest

Beyond mortgage

$1,580/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$269,800

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$0/mo

Utilities

Hydro / electricity$101/mo

≈ $0.07/ft² × ~2,625 ft² · ON avg ~$101/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%$13,490/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$23,455

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)56% $61,412/yr

Property taxes21% $23,455/yr

Utilities4% $4,273/yr

Insurance & security1% $1,600/yr

Maintenance12% $13,490/yr

Closing costs5% $5,100/yr

Mortgage is 56% of your true cost of ownership. The other 44% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$61,412	$5,118/mo
Government & taxes
Land transfer tax(closing)	$23,455	$1,955/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$1,213	$101/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$13,490	$1,124/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	$109,330	$9,111/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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