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$338K · 2 bed Condo Apartment · 05 - Gananoque, Gananoque | MyPropertyScout

$338,000

Unit 2104

34 DOM

2134d

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DOM 34

$338,000

DOM34days

Unit 2104

Oak Place · 225 Oak Street · Gananoque · Ontario K7G 2R5

MLS® X13190674 · 05 - Gananoque · K7G 2R5

21OwnerOccupied800-899 ft²Condo ApartmentNone34d$398/ft²$2,820 tax/yrBuilt 200323 yrs old

34 days on market

About this home

Welcome to The Oak, this 2-bedroom, 1-bath condo offers the convenience of a private street-level entrance along with bright, comfortable living spaces. As an end unit, the additional side window brings in extra natural light and gives the home a warm, inviting feel. Features include in-suite laundry, in-suite storage, and a functional kitchen island perfect for everyday living and entertaining. Utility costs are reasonable, with electrical averaging approximately $165/month and water/sewer aver…

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Property details

MLS#: X13190674
Status: Buy Now
Beds: 2
Baths: 1 full, 0 half
Size: 800-899
Style: 1 Storey/Apt
Type: Condo Apartment
Year built: —

Roof: Asphalt Shingle
Foundation: Poured Concrete
Property features: Beach, Level, Park, Place Of Worship, School, School Bus Route

Fireplace features: Electric

View: Park/Greenbelt

Building name: Oak Place
Condo corp #: 39
Balcony: Open
Locker: Ensuite
Association amenities: Community BBQ
Fees include: Building Insurance Included, Parking Included
Pets: Yes-with Restrictions

Garage: None
Garage spaces: 0
Parking: 1 total
Heating: Baseboard
Heating fuel: Electric
Cooling: Wall Unit(s)
Waterfront: No
Exterior: Brick · Controlled Entry, Landscaped, Lighting, Porch
Fronting on: —
Cross street: Second Street
Basement: None
Stories: 1
Utilities: —
Laundry: In-Suite Laundry
Interior: Carpet Free, Primary Bedroom - Main Floor, Storage, Water Heater Owned
Parking features: Reserved/Assigned

Rooms

Room dimensions are not available for this listing.

Property history

Sales History

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Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: ROYAL LEPAGE PROALLIANCE REALTY, BROKERAGE

Source: TRREB/PROPTX · MLS® X13190674

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$338K

Unit 2104 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $338,000✓ $2,820 tax✓ Electric✓ 800-899 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,299/mo

incl. closing costs (yr 1)

Annual total

$39,590

year 1

Mortgage only

$1,282/mo

principal + interest

Beyond mortgage

$1,263/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$67,600

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$235/mo

Utilities

Hydro / electricity$75/mo

≈ $0.13/ft² × ~850 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%$3,380/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)$37/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$3,545

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)39% $15,387/yr

Property taxes16% $6,365/yr

Utilities6% $2,460/yr

Insurance & security4% $1,600/yr

Maintenance9% $3,380/yr

Condo fees13% $5,298/yr

Closing costs13% $5,100/yr

Mortgage is 39% of your true cost of ownership. The other 61% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$15,387	$1,282/mo
Government & taxes
Property tax	$2,820	$235/mo
Land transfer tax(closing)	$3,545	$295/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%)	$3,380	$282/mo
Condo fees
Condo / HOA fees	$5,298	$441/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	$39,590	$3,299/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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Unit 2104

About this home

MyStreetValue™ Analysis

Property details

Rooms

Sales History

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Annual costs