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$400K · 2 bed Detached · 58 - Greater Napanee, Greater Napanee | MyPropertyScout

$399,900

59 Centre Street

21OwnerOccupied

Map

⚡ Insider Deal

Below Market

$399,900

59 Centre Street

Greater Napanee · Ontario K7R 1M8

MLS® X13113724 · 58 - Greater Napanee · K7R 1M8

21OwnerOccupied1100-1500 ft²Detached2-car Detached$308/ft²Lot 34 x 82 ft< .50 ac$2,771 tax/yrBuilt 1916110 yrs old

About this home

For the entrepreneur ready to turn their passion into a business without the crushing overhead of a commercial lease, this is your property. Mixed-use zoning means your dedicated attached storefront lives inside your mortgage, not on top of it, saving you thousands every month while you build something that's truly yours. A premium location right off the 401 on the main commercial corridor, steps from the Napanee River with customer parking at your door, gives your business the visibility and fo…

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Property details

MLS#: X13113724
Status: Buy Now
Beds: 2
Baths: 1 full, 0 half
Size: 1100-1500
Style: 1 1/2 Storey
Type: Detached
Year built: —

Roof: Metal
Foundation: Stone
Other structures: Fence - Full, Drive Shed
Property features: Fenced Yard, Public Transit, Rec./Commun.Centre, River/Stream, School Bus Route

View: City, Downtown, Trees/Woods, Water, River

Garage: 2-car Detached
Garage spaces: 2
Parking: 3 total
Lot: 33.99 × 82.02
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Pool: No
Waterfront: No
Exterior: Vinyl Siding · Deck, Privacy, Year Round Living
Fronting on: East
Cross street: Centre St N & Water St E
Basement: Unfinished, Exposed Rock
Stories: —
Utilities: —
Laundry: —
Interior: Storage, Workbench
Parking features: Private

Rooms

Level	Room	Dimensions
Main	Living Room	3.56m × 3.33m
Main	Dining Room	3.35m × 2.07m
Main	Kitchen	4.01m × 3.08m
Main	Foyer	3.56m × 1.72m
Main	Office	4.01m × 3.54m
Main	Office	3.75m × 3.66m
Main	Pantry	1.24m × 2.01m
Main	Bathroom	2.66m × 1.51m
Second	Primary Bedroom	3.58m × 4.32m
Second	Bedroom 2	3.54m × 2.85m
Second	Laundry	2.36m × 2.2m

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: COLDWELL BANKER ELECTRIC REALTY

Source: TRREB/PROPTX · MLS® X13113724

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$400K

59 Centre Street · Bryon Bertrim

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $399,900✓ $2,771 tax✓ Gas✓ 1100-1500 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,358/mo

incl. closing costs (yr 1)

Annual total

$40,301

year 1

Mortgage only

$1,517/mo

principal + interest

Beyond mortgage

$1,010/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$79,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$231/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%$3,999/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$4,474

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)45% $18,205/yr

Property taxes18% $7,245/yr

Utilities10% $4,152/yr

Insurance & security4% $1,600/yr

Maintenance10% $3,999/yr

Closing costs13% $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)	$18,205	$1,517/mo
Government & taxes
Property tax	$2,771	$231/mo
Land transfer tax(closing)	$4,474	$373/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%)	$3,999	$333/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	$40,301	$3,358/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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59 Centre Street

About this home

MyStreetValue™ Analysis

Property details

Rooms

Sales History

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Annual costs