$440K · 3 bed Condo Townhouse · Out of Area

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About this home

Welcome to this beautifully maintained 3-bedroom, carpet-free row townhouse-a perfect blend of comfort, functionality, and location. From the moment you step inside, you'll appreciate the thoughtful layout and the bright, inviting spaces ideal for both everyday living and entertaining. The spacious eat-in kitchen offers plenty of room for family meals, with generous cabinetry and counter space for all your cooking needs. Large windows bring in natural light, creating a warm and welcoming atmosph…

Property details

MLS#

X13121094

Status

Buy Now

Beds

Baths

1 full, 0 half

Size

1000-1199

Style

2-Storey

Type

Condo Townhouse

Year built

—

Condo corp #: 596
Balcony: None
Locker: None
Fees include: Building Insurance Included, CAC Included
Pets: Yes-with Restrictions

Garage: None
Garage spaces: 0
Parking: 1 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Aluminum Siding
Fronting on: —
Cross street: Westmount
Basement: Finished with Walk-Out
Stories: —
Utilities: —
Laundry: In Basement
Interior: Water Heater
Parking features: Private

Level	Room	Dimensions
Main	Dining Room	3.02m × 2.9m
Main	Kitchen	2.13m × 3.05m
Main	Living Room	4.06m × 3.61m
Second	Bedroom	2.64m × 3.66m
Second	Bedroom	3.1m × 4.06m
Second	Bedroom	2.09m × 3.43m
Second	Bathroom	—
Lower	Bedroom	3.3m × 2.97m

Level

Room

Dimensions

Main

Dining Room

3.02m × 2.9m

Main

Kitchen

2.13m × 3.05m

Main

Living Room

4.06m × 3.61m

Second

Bedroom

2.64m × 3.66m

Second

Bedroom

3.1m × 4.06m

Second

Bedroom

2.09m × 3.43m

Second

Bathroom

—

Lower

Bedroom

3.3m × 2.97m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $439,900✓ $2,808 tax✓ Gas✓ 1000-1199 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,014/mo

incl. closing costs (yr 1)

Annual total

$48,172

year 1

Mortgage only

$1,669/mo

principal + interest

Beyond mortgage

$1,448/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$87,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$234/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,100 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%$4,399/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

Condo / HOA fees (mo)$35/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$5,273

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)42% $20,026/yr

Property taxes17% $8,081/yr

Utilities8% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance9% $4,399/yr

Condo fees10% $5,005/yr

Closing costs11% $5,100/yr

Mortgage is 42% of your true cost of ownership. The other 58% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$20,026	$1,669/mo
Government & taxes
Property tax	$2,808	$234/mo
Land transfer tax(closing)	$5,273	$439/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%)	$4,399	$367/mo
Condo fees
Condo / HOA fees	$5,005	$417/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	$48,172	$4,014/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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Annual costs