$590K · 3 bed Condo Townhouse · Lakeshore, Hamilton

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About this home

Beautifully updated 3-bedroom end-unit home in move-in condition. Pride of ownership is evident throughout this bright, sun-filled property. The main floor features a newer kitchen with quartz countertops, under mount lighting, and an updated 2-piece bathroom. Upstairs offers three spacious bedrooms with large closets and a 4-piece bathroom. The unfinished basement provides excellent potential, with some work already completed including metal framing and a rough-in bathroom. Ideally located step…

Property details

MLS#

X13157452

Status

Buy Now

Beds

Baths

2 full, 0 half

Size

1200-1399

Style

2-Storey

Type

Condo Townhouse

Year built

—

Roof: Asphalt Shingle
Foundation: Poured Concrete

Condo corp #: 333
Balcony: None
Locker: None
Fees include: Common Elements Included, Building Insurance Included
Pets: Yes-with Restrictions

Garage: 1-car Attached
Garage spaces: 1
Parking: 2 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick, Vinyl Siding
Fronting on: —
Cross street: N Service Rd
Basement: Full, Unfinished
Stories: 1
Utilities: —
Laundry: In Basement
Interior: Other
Parking features: Private, Surface

Level	Room	Dimensions
Main	Bathroom	—
Main	Living Room	5.31m × 3.71m
Main	Kitchen	3.17m × 2.62m
Main	Dining Room	2.26m × 2.34m
Second	Bedroom	3.25m × 3.05m
Second	Bedroom	3.61m × 3m
Second	Primary Bedroom	4.7m × 3.05m
Second	Bathroom	—

Level

Room

Dimensions

Main

Bathroom

—

Main

Living Room

5.31m × 3.71m

Main

Kitchen

3.17m × 2.62m

Main

Dining Room

2.26m × 2.34m

Second

Bedroom

3.25m × 3.05m

Second

Bedroom

3.61m × 3m

Second

Primary Bedroom

4.7m × 3.05m

Second

Bathroom

—

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $589,990✓ $3,692 tax✓ Gas✓ 1200-1399 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$5,110/mo

incl. closing costs (yr 1)

Annual total

$61,326

year 1

Mortgage only

$2,238/mo

principal + interest

Beyond mortgage

$1,724/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$117,998

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$308/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,300 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%$5,900/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)$41/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$8,275

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)44% $26,859/yr

Property taxes20% $11,967/yr

Utilities6% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance10% $5,900/yr

Condo fees10% $5,940/yr

Closing costs8% $5,100/yr

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

Full breakdown

Mortgage & financing
Mortgage (P+I)	$26,859	$2,238/mo
Government & taxes
Property tax	$3,692	$308/mo
Land transfer tax(closing)	$8,275	$690/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%)	$5,900	$492/mo
Condo fees
Condo / HOA fees	$5,940	$495/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	$61,326	$5,110/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