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$649K · 2+1 bed Condo Townhouse · Rural Central Elgin, Central Elgin | MyPropertyScout

$649,000

Unit 21

25 DOM

2+1325d

DOM 25

$649,000

A●●●○○DOM25days

Unit 21

10 MCPHERSON Court · Central Elgin · Ontario N5R 0L8

MLS® X13245630 · Rural Central Elgin · N5R 0L8

2+13OwnerOccupied1200-1399 ft²Condo Townhouse2-car Attached25d$499/ft²$5,378 tax/yrBuilt 20188 yrs old

6% below market · 25 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 21 at 10 McPherson Avenue, St. Thomas - a beautifully maintained detached end-unit bungalow located in a highly sought-after community. This stunning 2+1 bedroom home offers an inviting and functional layout, perfect for downsizers, professionals, or families seeking comfortable living. The bright and spacious interior is filled with natural light and showcases pride of ownership throughout. The main level features two generous bedrooms, a full 4-piece bathroom, and well-appoint…

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Property details

MLS#: X13245630
Status: Buy Now
Beds: 2+1
Baths: 3 full, 0 half
Size: 1200-1399
Style: Bungalow
Type: Condo Townhouse
Year built: —

Property features: Cul de Sac/Dead End, School, Park

Condo corp #: 34
Balcony: None
Locker: Owned
Association amenities: BBQs Allowed
Fees include: Parking Included
Pets: Yes-with Restrictions

Garage: 2-car Attached
Garage spaces: 2
Parking: 4 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick, Vinyl Siding
Fronting on: —
Cross street: FROM ST THOMAS, WELLINGTON RD TO MCBAIN LINE TO FREEMAN LANE. FROM LONDON, WELLINGTON RD SOUTH 15 MINS TO MCBAIN LINE TO FREEMAN LANE
Basement: Partially Finished
Stories: —
Utilities: —
Laundry: Laundry Room
Interior: Auto Garage Door Remote, Primary Bedroom - Main Floor
Parking features: Private

Rooms

Level	Room	Dimensions
Main	Kitchen	3.08m × 7.16m
Main	Living Room	3.11m × 5.27m
Main	Breakfast	3.08m × 7.16m
Main	Primary Bedroom	3.36m × 5.27m
Main	Bedroom 2	3.35m × 4.88m
Basement	Bedroom	3.05m × 4.39m
Basement	Family Room	5.55m × 6.71m
Basement	Den	1.52m × 2.13m

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: RE/MAX EXPERTS

Source: TRREB/PROPTX · MLS® X13245630

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$649K

Unit 21 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $649,000✓ $5,378 tax✓ Gas✓ 1200-1399 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$5,317/mo

incl. closing costs (yr 1)

Annual total

$63,808

year 1

Mortgage only

$2,462/mo

principal + interest

Beyond mortgage

$1,609/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$129,800

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$448/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%$6,490/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)$16/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$9,455

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)46% $29,545/yr

Property taxes23% $14,833/yr

Utilities6% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance10% $6,490/yr

Condo fees4% $2,280/yr

Closing costs8% $5,100/yr

Mortgage is 46% of your true cost of ownership. The other 54% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$29,545	$2,462/mo
Government & taxes
Property tax	$5,378	$448/mo
Land transfer tax(closing)	$9,455	$788/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%)	$6,490	$541/mo
Condo fees
Condo / HOA fees	$2,280	$190/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	$63,808	$5,317/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 21

About this home

MyStreetValue™ Analysis

Property details

Rooms

Sales History

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Annual costs