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$460K · 2 bed Condo Apartment · Pineridge/Westminster Woods, Guelph | MyPropertyScout

$459,900

Unit 403

32 DOM

2232d

Map

DOM 32

$459,900

B●●●○○DOM32days

Unit 403

25 Kay Crescent · Guelph · Ontario N1L 0P2

MLS® X13212992 · Pineridge/Westminster Woods · N1L 0P2

22Vacant800-899 ft²Condo ApartmentNone32d$541/ft²$3,840 tax/yr

2% below market · 32 days on market

Scoring based on Property Scout Neighbourhood Intelligence — use as guidance only, sometimes it's not so intelligent 👍

About this home

Welcome to Unit 403 at 25 Kay Crescent, a Top-Floor Gem with 2-bedrooms, 2-bathrooms, where modern condo living meets comfort andconvenience in the heart of Guelph's desirable South End. This bright and stylish unit offers everything you need for easy, low-maintenanceliving. Located on the top floor, this suite boasts carpet-free flooring throughout, a spacious open-concept layout, and a private balcony with anelevated view-perfect for relaxing or entertaining. Enjoy upscale finishes like the vi…

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Property details

MLS#: X13212992
Status: Buy Now
Beds: 2
Baths: 2 full, 0 half
Size: 800-899
Style: 1 Storey/Apt
Type: Condo Apartment
Year built: —

Condo corp #: 236
Balcony: Open
Locker: Ensuite+Exclusive
Fees include: Common Elements Included, Building Insurance Included, Parking 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: Brick, Wood
Fronting on: —
Cross street: MF Property Management
Basement: Apartment
Stories: 4
Utilities: —
Laundry: In-Suite Laundry
Interior: None
Parking features: —

Rooms

Level	Room	Dimensions
Main	Kitchen	1.14m × 3.96m
Main	Living Room	3.71m × 3.86m
Main	Dining Room	3.38m × 3.96m
Main	Bathroom	—
Main	Bedroom	2.69m × 3.2m
Main	Primary Bedroom	2.95m × 5.99m
Main	Bathroom	—

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: RE/MAX REAL ESTATE CENTRE INC., BROKERAGE

Source: TRREB/PROPTX · MLS® X13212992

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$460K

Unit 403 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $459,900✓ $3,840 tax✓ Gas✓ 800-899 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,241/mo

incl. closing costs (yr 1)

Annual total

$50,893

year 1

Mortgage only

$1,745/mo

principal + interest

Beyond mortgage

$1,565/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$91,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$320/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~850 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%$4,599/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)$36/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$5,673

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)41% $20,937/yr

Property taxes19% $9,513/yr

Utilities8% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance9% $4,599/yr

Condo fees10% $5,184/yr

Closing costs10% $5,100/yr

Mortgage is 41% of your true cost of ownership. The other 59% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$20,937	$1,745/mo
Government & taxes
Property tax	$3,840	$320/mo
Land transfer tax(closing)	$5,673	$473/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%)	$4,599	$383/mo
Condo fees
Condo / HOA fees	$5,184	$432/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	$50,893	$4,241/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 403

About this home

MyStreetValue™ Analysis

Property details

Rooms

Sales History

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Annual costs