$430K · 2+1 bed Condo Townhouse · North G, London North

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About this home

The Gables. Location!! minutes to Western University, University Hospital, Masonville Mall. Buy with confidence! Tenant has already secured another home, N11 signed. 24 hours notice required for showings. Basement one bedroom , can be converted to 2 bedrooms. Renovated kitchen with quartz counters and subway tiled backsplash, upgraded bathrooms with quartz counters and glass showers, Tiled floors - ground ; Laminate floors 2nd floor and basement. Property management in process of installing new…

Property details

MLS#

X13341036

Status

Buy Now

Beds

2+1

Baths

3 full, 0 half

Size

1200-1399

Style

2-Storey

Type

Condo Townhouse

Year built

—

Fireplaces: 1
Fireplace features: Natural Gas

Condo corp #: 206
Balcony: None
Locker: None
Fees include: Common Elements Included, Building Insurance Included
Pets: Yes-with Restrictions

Garage: 1-car Built-In
Garage spaces: 1
Parking: 2 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Waterfront: No
Exterior: Brick, Vinyl Siding
Fronting on: —
Cross street: Richmond Street/Western Road
Basement: Finished
Stories: 1
Utilities: —
Laundry: In Basement
Interior: Carpet Free
Parking features: —

Level	Room	Dimensions
Main	Kitchen	3.98m × 3.17m
Main	Dining Room	2.79m × 3.8m
Main	Family Room	4.7m × 3.95m
Second	Primary Bedroom	4.05m × 4.82m
Second	Bedroom 2	4.39m × 3.64m
Basement	Bedroom	4.13m × 5.39m

Level

Room

Dimensions

Main

Kitchen

3.98m × 3.17m

Main

Dining Room

2.79m × 3.8m

Main

Family Room

4.7m × 3.95m

Second

Primary Bedroom

4.05m × 4.82m

Second

Bedroom 2

4.39m × 3.64m

Basement

Bedroom

4.13m × 5.39m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $430,000✓ $3,856 tax✓ Gas✓ 1200-1399 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,138/mo

incl. closing costs (yr 1)

Annual total

$49,656

year 1

Mortgage only

$1,631/mo

principal + interest

Beyond mortgage

$1,625/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$86,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$321/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%$4,300/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)$43/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$5,075

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)39% $19,575/yr

Property taxes18% $8,931/yr

Utilities8% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance9% $4,300/yr

Condo fees12% $6,189/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)	$19,575	$1,631/mo
Government & taxes
Property tax	$3,856	$321/mo
Land transfer tax(closing)	$5,075	$423/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%)	$4,300	$358/mo
Condo fees
Condo / HOA fees	$6,189	$516/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	$49,656	$4,138/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