$390K · 2 bed Condo Townhouse · Unit 201, 222 First Street, Cornwall, Ontario K6H 0G2

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About this home

Discover this pristine, quiet upper-level end unit, 2-bedroom, 1-bathroom condo in a highly desirable central location in Downtown Cornwall near the Civic Complex, marina and scenic recreation trail. Boasting high-end upgrades like quality appliances, wall air conditioner, radiant floor heating, soaring ceilings, and an open-concept layout, this residence offers comfort and style. Enjoy the spacious deck with awning perfect for outdoor living, plus the convenience of dedicated parking and an ons…

Property details

MLS#

X12775988

Status

Buy Now

Property class

Residential Condo & Other

Beds

Baths

1 full, 0 half

Rooms

Kitchens

Size

1000-1199Exact finished sqft not on MLS feed (often MPAC-only on broker systems)

Basement

None

Style

Other

Type

Condo Townhouse

Year built

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

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

Roof: Asphalt Shingle
Property features: Clear View, Marina, Park, Rec./Commun.Centre, Public Transit

Condo corp #: 23
Balcony: Open
Locker: Owned
Fees include: Building Insurance Included, Parking Included, Common Elements Included
Pets: Yes-with Restrictions

Garage: 1-car None
Garage spaces: 1
Parking: 1 total
Heating: Other
Heating fuel: Gas
Cooling: Wall Unit(s)
Fireplaces: —
Waterfront: No
Exterior: Stone, Vinyl Siding
Fronting on: —
Cross street: Sydney
Stories: 2
Utilities: —
Laundry: In Bathroom
Interior: Air Exchanger, On Demand Water Heater, Separate Hydro Meter, Storage Area Lockers
Parking features: —

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $389,500✓ $3,744 tax✓ Gas✓ 1000-1199 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,722/mo

incl. closing costs (yr 1)

Annual total

$44,666

year 1

Mortgage only

$1,478/mo

principal + interest

Beyond mortgage

$1,426/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$77,900

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$312/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%$3,895/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)$30/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$4,318

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)40% $17,732/yr

Property taxes18% $8,062/yr

Utilities9% $3,960/yr

Insurance & security4% $1,600/yr

Maintenance9% $3,895/yr

Condo fees10% $4,318/yr

Closing costs11% $5,100/yr

Mortgage is 40% of your true cost of ownership. The other 60% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$17,732	$1,478/mo
Government & taxes
Property tax	$3,744	$312/mo
Land transfer tax(closing)	$4,318	$360/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%)	$3,895	$325/mo
Condo fees
Condo / HOA fees	$4,318	$360/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	$44,666	$3,722/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 201

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