$490K · 3 bed Condo Apartment · Unit 635, 50 Richmond Street, Oshawa, Ontario L1G 7C7

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About this home

This 2 storey penthouse unit features all the living space you need on one floor, with extra rooms and bath upstairs for guests or your grandkids. Hardwood floors in the main living area. Kitchen has beautiful upgraded cabinetry and quartz countertops. The main floor primary bedroom offers convenience and privacy. Also on the main floor there is an updated 3 pc bathroom, with walk-in shower, and a laundry room with generous storage. Upstairs, two spacious bedrooms and a second updated bath prov…

Property details

MLS#

E13096176

Status

Buy Now

Property class

Residential Condo & Other

Beds

Baths

2 full, 0 half

Rooms

Kitchens

Size

1400-1599Exact finished sqft not on MLS feed (often MPAC-only on broker systems)

Basement

None

Style

2-Storey

Type

Condo Apartment

Year built

—Year built not on MLS feed (often MPAC-only on broker systems)

Occupancy: Owner Occupied
Washrooms: 3 pc · Main; 4 pc · Second
Family room: Family room
Central vacuum: No
Ensuite laundry: Ensuite laundry

Property features: Rec./Commun.Centre, Public Transit, Park, Hospital

Condo corp #: 56
Balcony: Open
Locker: Ensuite
Association amenities: Car Wash, Elevator, Exercise Room, Game Room, Indoor Pool, Party Room/Meeting Room
Fees include: Water Included, Common Elements Included, Building Insurance Included, Parking Included, Cable TV Included
Pets: Yes-with Restrictions

Garage: 1-car Underground
Garage spaces: 1
Parking: 1 total
Heating: Heat Pump
Heating fuel: Electric
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Concrete
Fronting on: —
Cross street: Richmond St E/ Mary St N
Stories: 6
Utilities: —
Laundry: In-Suite Laundry
Interior: Primary Bedroom - Main Floor, Storage
Parking features: Underground, Inside Entry

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $489,900✓ $3,536 tax✓ Electric✓ 1400-1599 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$5,140/mo

incl. closing costs (yr 1)

Annual total

$61,675

year 1

Mortgage only

$1,859/mo

principal + interest

Beyond mortgage

$2,300/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$97,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$295/mo

Utilities

Hydro / electricity$75/mo

≈ $0.13/ft² × ~1,500 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%$4,899/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)$108/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$6,273

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)36% $22,302/yr

Property taxes16% $9,809/yr

Utilities4% $2,460/yr

Insurance & security3% $1,600/yr

Maintenance8% $4,899/yr

Condo fees25% $15,504/yr

Closing costs8% $5,100/yr

Mortgage is 36% of your true cost of ownership. The other 64% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$22,302	$1,859/mo
Government & taxes
Property tax	$3,536	$295/mo
Land transfer tax(closing)	$6,273	$523/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%)	$4,899	$408/mo
Condo fees
Condo / HOA fees	$15,504	$1,292/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	$61,675	$5,140/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 635

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