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$400K · 1 bed Condo Apartment · Unit 210, 10 James Street, Ottawa, Ontario K2P 1T2 | HomeSearchCanada

$399,900

Unit 210

179 DOM

11179d

Map

⚡ Insider Deal

DOM 179

↓ $30KMotivated SellerPrice Reduced

$399,900

↓ $30KMotivated Seller

DOM179days

Unit 210

10 James Street · Ottawa · Ontario K2P 1T2

MLS® X12873460 · 4103 - Ottawa Centre · K2P 1T2

11TenantOccupied0-499 ft²Condo ApartmentNoneNo basement179d$801/ft²$3,850 tax/yrNew buildNo basement

179 days on market

About this home

Welcome to James House, one of Ottawa's most stylish new boutique buildings in the heart of Centretown. This well-maintained 1 bed + 1 bath unit is bright and has an open-concept layout featuring exposed concrete, soaring 10 ceilings, and floor-to-ceiling windows that flood the unit with natural light. A modern kitchen with stainless steel appliances, quartz countertops, and custom cabinetry provides a sleek, functional space. The private balcony is ideal for outdoor relaxation, while the study…

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Property details

MLS#: X12873460
Status: Buy Now
Property class: Residential Condo & Other
Beds: 1
Baths: 1 full, 0 half
Rooms: 3
Kitchens: 1
Size: 0-499Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: None
Style: Apartment
Type: Condo Apartment
Year built: Approx. New yrs

Occupancy: Tenant Occupied
Washrooms: 3 pc
Family room: No
Central vacuum: No
Ensuite laundry: No

Condo corp #: 1132
Balcony: Open
Locker: None
Fees include: Heat Included, Water Included, Building Insurance Included, Common Elements Included
Pets: Yes-with Restrictions

Garage: None
Garage spaces: 0
Parking: 0 total
Heating: Forced Air
Heating fuel: Other
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick
Fronting on: —
Cross street: James St & Bank St
Stories: 2
Utilities: —
Laundry: Ensuite
Interior: Carpet Free
Parking features: —

Additional listing data

ListAOR: Ottawa Real Estate Board

Rooms

Room details

Seller signals

Price movement & seller pressure

↓ $30KPrice reduction

MLS shows the seller reduced the asking price by $30,000 (from $429,900 to $399,900).

Motivated SellerWhy this label

179 days on market — Listing has been active for 179 days — extended time on market can signal seller pressure.

Labels reflect MLS fields and listing history in our database — not an opinion on fair market value.

Property history

Sales History

NEW

Location details

Comparable sales

Neighbourhood SOLDs

Neighbourhood stats

Brokered by: ROYAL LEPAGE TEAM REALTY

Source: TRREB/PROPTX · MLS® X12873460

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$400K

Unit 210 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $399,900✓ $3,850 tax✓ Other✓ 0-499 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,901/mo

incl. closing costs (yr 1)

Annual total

$46,817

year 1

Mortgage only

$1,517/mo

principal + interest

Beyond mortgage

$1,553/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$79,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$321/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~250 ft² · ON avg ~$75/mo · assumes gas heat

Other$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%$3,999/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)$39/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$4,474

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)39% $18,205/yr

Property taxes18% $8,324/yr

Utilities8% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance9% $3,999/yr

Condo fees12% $5,629/yr

Closing costs11% $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)	$18,205	$1,517/mo
Government & taxes
Property tax	$3,850	$321/mo
Land transfer tax(closing)	$4,474	$373/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Other	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$3,999	$333/mo
Condo fees
Condo / HOA fees	$5,629	$469/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	$46,817	$3,901/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 210

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