$499K · 2 bed Detached · 05 - Gananoque, Gananoque

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About this home

Precious few properties in the charming town of Gananoque have waterfront. Don't miss your chance to acquire this modestly priced 11/2 storey, 2-bedroom 1 bath home on the Gananoque River. Imagine life on a quiet cul-de-sac in this vibrant friendly St. Lawrence Riverfront town. You're mere minutes from downtown shops, services, dining, entertainment and convenient highway access to surrounding communities, major centres, the Thousand Island Bridge to the USA for snowbirds. Enjoy peaceful water…

Property details

MLS#

X13110232

Status

Buy Now

Beds

Baths

2 full, 0 half

Size

700-1100

Style

1 1/2 Storey

Type

Detached

Year built

—

Roof: Asphalt Shingle
Foundation: Stone
Other structures: Shed
Property features: Arts Centre, Cul de Sac/Dead End, Golf, Marina, Rec./Commun.Centre, School

View: Park/Greenbelt, River, Trees/Woods, Water

Waterfront: Yes
Water view: Direct
Water body: Gananoque River
Water frontage: 17.29 ft
Shoreline: Soft Bottom, Mixed, Natural
Waterfront features: River Front, Waterfront-Deeded

Garage: None
Garage spaces: 0
Parking: 2 total
Lot: 55.2 × 87.33
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Pool: No
Exterior: Vinyl Siding · Deck, Fishing, Patio, Year Round Living
Fronting on: West
Cross street: Queen & Ann
Basement: Crawl Space, Unfinished
Stories: —
Utilities: —
Laundry: —
Interior: Carpet Free, Water Heater
Parking features: Front Yard Parking

Level	Room	Dimensions
Main	Living Room	3.83m × 4.32m
Main	Dining Room	2.84m × 3.05m
Main	Kitchen	3.43m × 5.18m
Main	Bathroom	2.16m × 2.33m
Main	Foyer	1.99m × 2.22m
Second	Primary Bedroom	3.64m × 4.23m
Second	Bedroom 2	3.12m × 5.31m
Second	Den	2.87m × 3.13m
Second	Bathroom	1.93m × 2.32m

Level

Room

Dimensions

Main

Living Room

3.83m × 4.32m

Main

Dining Room

2.84m × 3.05m

Main

Kitchen

3.43m × 5.18m

Main

Bathroom

2.16m × 2.33m

Main

Foyer

1.99m × 2.22m

Second

Primary Bedroom

3.64m × 4.23m

Second

Bedroom 2

3.12m × 5.31m

Second

Den

2.87m × 3.13m

Second

Bathroom

1.93m × 2.32m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $499,000✓ $3,888 tax✓ Gas✓ 700-1100 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,059/mo

incl. closing costs (yr 1)

Annual total

$48,710

year 1

Mortgage only

$1,893/mo

principal + interest

Beyond mortgage

$1,170/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$99,800

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$324/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%$4,990/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$6,455

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)47% $22,717/yr

Property taxes21% $10,343/yr

Utilities8% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance10% $4,990/yr

Closing costs10% $5,100/yr

Mortgage is 47% of your true cost of ownership. The other 53% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$22,717	$1,893/mo
Government & taxes
Property tax	$3,888	$324/mo
Land transfer tax(closing)	$6,455	$538/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%)	$4,990	$416/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	$48,710	$4,059/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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590 Queen Street

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Annual costs