$879K · 5 bed Duplex · South F, London South

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About this home

The most beautifully preserved century home in London's Wortley Village, anchoring the corner of Bruce and Edward Street, this iconic home sits beneath mature trees that proudly show off their seasonal colours, just steps from the Village itself. Welcome to 65 Bruce Street! The character-rich duplex, this is where historic craftsmanship meets modern convenience - a rare opportunity for both owner-occupiers and investors alike. Upon entry, your eyes won't know where to look: 10-ft ceilings, 12-in…

Property details

MLS#

X13427688

Status

Buy Now

Beds

Baths

2 full, 0 half

Size

2500-3000

Style

2-Storey

Type

Duplex

Year built

—

Roof: Asphalt Shingle, Flat
Foundation: Block
Other structures: Fence - Full, Garden Shed
Property features: Arts Centre, Fenced Yard, Hospital, Library, Park, Public Transit

Fireplaces: 2
Fireplace features: Family Room, Wood

View: Garden

Garage: None
Garage spaces: 0
Parking: 6 total
Lot: 60.15 × 70.18
Heating: Forced Air
Heating fuel: Wood
Cooling: Central Air
Pool: No
Waterfront: No
Exterior: Brick, Cedar · Landscape Lighting, Landscaped, Patio, Porch
Fronting on: South
Cross street: Wortley / Bruce
Basement: Partial Basement
Stories: —
Utilities: —
Laundry: —
Interior: Primary Bedroom - Main Floor
Parking features: Private Double, Private

Rooms

Level	Room	Dimensions
Main	Foyer	1.37m × 1.8m
Main	Dining Room	4.45m × 5.44m
Main	Kitchen	3.61m × 5.33m
Main	Living Room	5.12m × 4.41m
Main	Bedroom	3.3m × 3.35m
Main	Bedroom 2	3.81m × 4.39m
Main	Bathroom	—
Second	Family Room	4.41m × 5.3m
Second	Sunroom	3.04m × 3.81m
Second	Dining Room	3.35m × 4.41m
Second	Kitchen	1.52m × 1.67m
Second	Bedroom 3	3.47m × 1.92m
Second	Bedroom 4	1.82m × 3.65m
Second	Bedroom 5	2.13m × 3.65m
Second	Bathroom	—

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $879,000✓ $6,253 tax✓ Wood✓ 2500-3000 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$6,765/mo

incl. closing costs (yr 1)

Annual total

$81,184

year 1

Mortgage only

$3,335/mo

principal + interest

Beyond mortgage

$1,801/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$175,800

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$521/mo

Utilities

Hydro / electricity$193/mo

≈ $0.07/ft² × ~2,750 ft² · ON avg ~$193/mo

Wood$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%$8,790/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

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$14,055

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)49% $40,016/yr

Property taxes25% $20,308/yr

Utilities7% $5,370/yr

Insurance & security2% $1,600/yr

Maintenance11% $8,790/yr

Closing costs6% $5,100/yr

Mortgage is 49% of your true cost of ownership. The other 51% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$40,016	$3,335/mo
Government & taxes
Property tax	$6,253	$521/mo
Land transfer tax(closing)	$14,055	$1,171/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$2,310	$193/mo
Wood	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$8,790	$733/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	$81,184	$6,765/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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65 Bruce Street

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Property details

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Rooms

Sales History

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Annual costs