$495K · 2 bed Condo Apartment · Owen Sound, Owen Sound

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About this home

A very Walkable Location and Stunning Georgian Bay Views summarize this Sought After Harbour House Condo! The Open Concept Dining/Living Room leads to a Private Balcony which Allows for your Own Bbq and Patio Furniture, and showcases the Amazing Sunrise Water Views! 2 Bedrooms, 2 Baths, including the Spacious Primary Bedroom with a Large Walk-In Closet and Ensuite featuring Double Sinks and a Jacuzzi Tub. There is a lot to appreciate, additional highlights include; Laundry In The Unit, a Ninth F…

Property details

MLS#

X13133284

Status

Buy Now

Beds

Baths

2 full, 0 half

Size

1200-1399

Style

Bungalow

Type

Condo Apartment

Year built

—

Roof: Asphalt Shingle

View: Bay, Bridge, City, Downtown, Water

Water view: Direct,Unobstructive
Water body: Georgian Bay
Shoreline: Deep

Building name: Harbour House
Condo corp #: 39
Balcony: Terrace
Locker: Exclusive
Fees include: Common Elements Included, Building Insurance Included
Pets: Yes-with Restrictions

Garage: 1-car Surface
Garage spaces: 1
Parking: 1 total
Heating: Baseboard
Heating fuel: Electric
Cooling: Central Air
Fireplaces: —
Exterior: Brick Veneer, Metal/Steel Siding
Fronting on: —
Cross street: 2nd Ave. W. & 14th St. W.
Basement: None
Stories: 3
Utilities: —
Laundry: In-Suite Laundry
Interior: None
Parking features: —

Level	Room	Dimensions
Main	Bedroom	4.88m × 3.51m
Main	Bedroom 2	4.27m × 3.05m
Main	Kitchen	2.44m × 3.05m
Main	Utility Room	1.37m × 3.35m
Main	Living Room	4.11m × 5.94m

Level

Room

Dimensions

Main

Bedroom

4.88m × 3.51m

Main

Bedroom 2

4.27m × 3.05m

Main

Kitchen

2.44m × 3.05m

Main

Utility Room

1.37m × 3.35m

Main

Living Room

4.11m × 5.94m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $495,000✓ $5,029 tax✓ Electric✓ 1200-1399 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,646/mo

incl. closing costs (yr 1)

Annual total

$55,753

year 1

Mortgage only

$1,878/mo

principal + interest

Beyond mortgage

$1,779/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$99,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$419/mo

Utilities

Hydro / electricity$75/mo

≈ $0.13/ft² × ~1,300 ft² · incl. electric heat

Heat$0/mo

Electric heat — no gas service · see hydro

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%$4,950/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)$54/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$6,375

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)40% $22,535/yr

Property taxes20% $11,404/yr

Utilities4% $2,460/yr

Insurance & security3% $1,600/yr

Maintenance9% $4,950/yr

Condo fees14% $7,704/yr

Closing costs9% $5,100/yr

Mortgage is 40% of your true cost of ownership. The other 60% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$22,535	$1,878/mo
Government & taxes
Property tax	$5,029	$419/mo
Land transfer tax(closing)	$6,375	$531/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$4,950	$413/mo
Condo fees
Condo / HOA fees	$7,704	$642/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	$55,753	$4,646/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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