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$640K · 2 bed Condo Apartment · Unit 313, 140 Cedar Island Road, Orillia, Ontario L3V 1T1 | HomeSearchCanada

$639,900

Unit 313

78 DOM

2278d

Map

DOM 78

Waterfront

$639,900

DOM78days

Unit 313

140 Cedar Island Road · Orillia · Ontario L3V 1T1

MLS® S13466150 · Orillia · L3V 1T1

22OwnerOccupied1000-1199 ft²Condo Apartment1-car UndergroundNo basement78d$582/ft²$4,073 tax/yrNo basement

78 days on market

About this home

Welcome to The Elgin Bay Club, a sought-after waterfront condominium community, just steps from downtown Orillia's shops, restaurants, waterfront trails, and amenities. This beautifully maintained 1,100 sq. ft. suite offers a bright, open-concept layout with modern décor, 2 bedrooms, 2 full bathrooms, and a separate den, providing excellent flexibility for guests, a home office, or additional living space.The galley-style kitchen features granite countertops, under-cabinet lighting, and all appl…

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Property details

MLS#: S13466150
Status: Buy Now
Property class: Residential Condo & Other
Beds: 2
Baths: 2 full, 0 half
Rooms: 6
Kitchens: 1
Size: 1000-1199Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: None
Style: Apartment
Type: Condo Apartment
Year built: —Year built not on MLS feed (often MPAC-only on broker systems)

Occupancy: Owner Occupied
Washrooms: 4 pc
Family room: No
Central vacuum: No
Ensuite laundry: No

Fireplaces: 1
Fireplace features: Natural Gas

Waterfront: Yes
Water view: Direct
Water body: Lake Couchiching
Waterfront features: Dock, Trent System

Condo corp #: 292
Balcony: None
Locker: None
Association amenities: Shared Dock, Communal Waterfront Area, Party Room/Meeting Room
Fees include: Water Included, Common Elements Included
Pets: Yes-with Restrictions

Garage: 1-car Underground
Garage spaces: 1
Parking: 2 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Exterior: Stucco (Plaster)
Fronting on: —
Cross street: Coldwater st and Front st
Stories: 1
Utilities: —
Laundry: Inside
Interior: None
Parking features: Reserved/Assigned

Additional listing data

ListAOR: Toronto Regional Real Estate Board

Rooms

Room details

Seller signals

Price movement & seller pressure

No price-drop or motivated-seller signals detected from MLS data we track on this listing.

Property history

Sales History

NEW

Location details

Comparable sales

Neighbourhood SOLDs

Neighbourhood stats

Brokered by: CENTURY 21 B.J. ROTH REALTY LTD.

Source: TRREB/PROPTX · MLS® S13466150

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$640K

Unit 313 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $639,900✓ $4,073 tax✓ Gas✓ 1000-1199 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$6,158/mo

incl. closing costs (yr 1)

Annual total

$73,900

year 1

Mortgage only

$2,428/mo

principal + interest

Beyond mortgage

$2,500/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$127,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$339/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,100 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%$6,399/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)$100/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$9,273

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)39% $29,131/yr

Property taxes18% $13,346/yr

Utilities5% $3,960/yr

Insurance & security2% $1,600/yr

Maintenance9% $6,399/yr

Condo fees19% $14,364/yr

Closing costs7% $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)	$29,131	$2,428/mo
Government & taxes
Property tax	$4,073	$339/mo
Land transfer tax(closing)	$9,273	$773/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%)	$6,399	$533/mo
Condo fees
Condo / HOA fees	$14,364	$1,197/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	$73,900	$6,158/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 313

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Price movement & seller pressure

Sales History

Neighbourhood SOLDs

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Annual costs