$325K · 2 bed Condo Townhouse · Cambridge

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About this home

Welcome to Village Square, 40 Tannery Street East, in the heart of Hespeler's charming and walkable downtown core. This unique two-storey condominium townhouse is a rare find, offering the privacy and feel of a house with the low-maintenance simplicity of condo living. The freshly painted home features a bright galley-style kitchen with updated laminate flooring, white cabinetry, granite countertops, and a full suite of appliances including refrigerator, stove, and built-in microwave. A separate…

Property details

MLS#

X13417640

Status

Buy Now

Beds

Baths

2 full, 0 half

Size

1000-1199

Style

2-Storey

Type

Condo Townhouse

Year built

—

Roof: Membrane
Foundation: Concrete
Property features: Library, Park, Place Of Worship, Public Transit, Rec./Commun.Centre, River/Stream

Building name: Hespeler Village Square
Condo corp #: 226
Balcony: Open
Locker: None
Association amenities: None
Fees include: Water Included, CAC Included, Common Elements Included, Building Insurance Included
Pets: Yes-with Restrictions

Garage: None
Garage spaces: 0
Parking: 1 total
Heating: Baseboard
Heating fuel: Electric
Cooling: None
Fireplaces: —
Waterfront: No
Exterior: Vinyl Siding, Stucco (Plaster)
Fronting on: —
Cross street: Queen Street
Basement: None
Stories: 2
Utilities: —
Laundry: In-Suite Laundry
Interior: None
Parking features: Surface

Level	Room	Dimensions
Main	Kitchen	2.46m × 3.1m
Main	Dining Room	2.44m × 2.59m
Main	Living Room	3.3m × 3.91m
Main	Bathroom	1.32m × 2.62m
Upper	Bedroom	3.02m × 4.22m
Upper	Bedroom 2	2.79m × 3.25m
Upper	Laundry	2.77m × 2.82m
Upper	Bathroom	1.52m × 2.97m
Main	Foyer	2.21m × 3.48m

Level

Room

Dimensions

Main

Kitchen

2.46m × 3.1m

Main

Dining Room

2.44m × 2.59m

Main

Living Room

3.3m × 3.91m

Main

Bathroom

1.32m × 2.62m

Upper

Bedroom

3.02m × 4.22m

Upper

Bedroom 2

2.79m × 3.25m

Upper

Laundry

2.77m × 2.82m

Upper

Bathroom

1.52m × 2.97m

Main

Foyer

2.21m × 3.48m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $325,000✓ $2,465 tax✓ Electric✓ 1000-1199 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,337/mo

incl. closing costs (yr 1)

Annual total

$40,049

year 1

Mortgage only

$1,233/mo

principal + interest

Beyond mortgage

$1,367/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$65,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$205/mo

Utilities

Hydro / electricity$75/mo

≈ $0.13/ft² × ~1,100 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%$3,250/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$3,350

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)37% $14,795/yr

Property taxes15% $5,815/yr

Utilities6% $2,460/yr

Insurance & security4% $1,600/yr

Maintenance8% $3,250/yr

Condo fees18% $7,029/yr

Closing costs13% $5,100/yr

Mortgage is 37% of your true cost of ownership. The other 63% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$14,795	$1,233/mo
Government & taxes
Property tax	$2,465	$205/mo
Land transfer tax(closing)	$3,350	$279/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%)	$3,250	$271/mo
Condo fees
Condo / HOA fees	$7,029	$586/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	$40,049	$3,337/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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