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$450K · 2 bed Condo Townhouse · 4001 - Lower Town/Byward Market, Lower Town - Sandy Hill | MyPropertyScout

$449,900

Unit 4

29 DOM

2229d

Map

DOM 29

$449,900

F●●●○○DOM29days

Unit 4

245 Cumberland Street · Lower Town - Sandy Hill · Ontario K1N 8W6

MLS® X13224808 · 4001 - Lower Town/Byward Market · K1N 8W6

22TenantOccupied1000-1199 ft²Condo Townhouse1-car Underground29d$409/ft²$4,302 tax/yr

15% above market · 29 days on market

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

About this home

Discover the allure of this modern stacked condo situated in the heart of Downtown. This stylish home features 2 bedrooms, 2 bathrooms, and an open-concept layout designed for contemporary living. The sleek white kitchen, complete with a pantry, flows effortlessly into the main living area, which showcases polished hardwood floors, a cozy fireplace, and west-facing windows adorned with California shutters, creating a warm and welcoming atmosphere. Additional features include a 2-piece powder roo…

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Property details

MLS#: X13224808
Status: Buy Now
Beds: 2
Baths: 2 full, 0 half
Size: 1000-1199
Style: 2-Storey
Type: Condo Townhouse
Year built: —

Fireplaces: 1
Fireplace features: Natural Gas

Condo corp #: 658
Balcony: None
Locker: Common
Fees include: Building Insurance Included, Parking Included, Water Included
Pets: Yes-with Restrictions

Garage: 1-car Underground
Garage spaces: 1
Parking: 1 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Waterfront: No
Exterior: Brick Front
Fronting on: —
Cross street: On 417 take the exit on Nicholas, then turn right on Besserer, and turn left on Cumberland.
Basement: None
Stories: 1
Utilities: —
Laundry: In-Suite Laundry
Interior: Other
Parking features: Covered

Rooms

Level	Room	Dimensions
Main	Living Room	3.72m × 5.89m
Main	Dining Room	2.65m × 3.44m
Main	Kitchen	2.65m × 2.66m
Main	Bathroom	1.53m × 1m
Upper	Primary Bedroom	3.28m × 3.14m
Upper	Bedroom 2	4.39m × 2.63m
Upper	Bathroom	1.85m × 2.63m

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: ROYAL LEPAGE INTEGRITY REALTY

Source: TRREB/PROPTX · MLS® X13224808

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$450K

Unit 4 · Bryon Bertrim

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $449,900✓ $4,302 tax✓ Gas✓ 1000-1199 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,374/mo

incl. closing costs (yr 1)

Annual total

$52,493

year 1

Mortgage only

$1,707/mo

principal + interest

Beyond mortgage

$1,753/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$89,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$359/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%$4,499/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)$49/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$5,473

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)39% $20,481/yr

Property taxes19% $9,775/yr

Utilities8% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance9% $4,499/yr

Condo fees13% $7,077/yr

Closing costs10% $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)	$20,481	$1,707/mo
Government & taxes
Property tax	$4,302	$359/mo
Land transfer tax(closing)	$5,473	$456/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%)	$4,499	$375/mo
Condo fees
Condo / HOA fees	$7,077	$590/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	$52,493	$4,374/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 4

About this home

MyStreetValue™ Analysis

Property details

Rooms

Sales History

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Annual costs