$825K · 2 bed Condo Apartment · Unit 406, 129A South Street, Gananoque, Ontario K7G 0A9

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About this home

Downsize without sacrificing the water. 2 bedroom 2 bathroom Condominium available with flexible possession. Imagine spending the summer by the river with marina access and within walking distance of everything you need to enjoy the beauty and charm of this unique area. Your condo features hardwood and ceramic floors, a chef's dream kitchen with an extended island and added cupboard space, in-suite laundry, an ensuite bathroom with heated floors and most importantly, a panoramic view of the St.…

Property details

MLS#

X12878210

Status

Buy Now

Property class

Residential Condo & Other

Beds

Baths

2 full, 0 half

Rooms

Kitchens

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; 3 pc
Family room: No
Central vacuum: No
Ensuite laundry: Ensuite laundry

View: River

Waterfront: Yes
Water view: Direct
Water body: St. Lawrence River
Shoreline: Deep, Clean
Waterfront features: Boat Slip, Dock, River Access

Condo corp #: 47
Balcony: Open
Locker: Exclusive
Fees include: Common Elements Included, Parking Included, Building Insurance Included
Pets: Yes-with Restrictions

Garage: 1-car Underground
Garage spaces: 1
Parking: 1 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Exterior: Brick
Fronting on: —
Cross street: South and Stone
Stories: 4
Utilities: —
Laundry: In-Suite Laundry
Interior: Carpet Free, Storage Area Lockers
Parking features: —

Price movement & seller pressure

↓ $74KPrice reduction

MLS shows the seller reduced the asking price by $74,100 (from $899,000 to $824,900).

Motivated SellerWhy this label

177 days on market — Listing has been active for 177 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.

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $824,900✓ $9,237 tax✓ Gas✓ 1000-1199 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$7,765/mo

incl. closing costs (yr 1)

Annual total

$93,178

year 1

Mortgage only

$3,129/mo

principal + interest

Beyond mortgage

$3,096/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$164,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$770/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%$8,249/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)$101/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$12,973

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)40% $37,553/yr

Property taxes24% $22,210/yr

Utilities4% $3,960/yr

Insurance & security2% $1,600/yr

Maintenance9% $8,249/yr

Condo fees16% $14,506/yr

Closing costs5% $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)	$37,553	$3,129/mo
Government & taxes
Property tax	$9,237	$770/mo
Land transfer tax(closing)	$12,973	$1,081/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%)	$8,249	$687/mo
Condo fees
Condo / HOA fees	$14,506	$1,209/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	$93,178	$7,765/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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Unit 406

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