$799K · 4 bed Detached Condo · Out of Area

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About this home

The Bannerman - A beautifully designed two-storey detached condo featuring 4 spacious bedrooms upstairs, including a primary suite with ensuite complete with a custom tiled shower and soaker tub, plus a walk-in closet. The open-concept main floor seamlessly connects the kitchen and dining area, with the added convenience of a two-car garage. Situated on a premium ravine walkout lot.

Property details

MLS#

X12921710

Status

Buy Now

Property class

Residential Condo & Other

Beds

Baths

3 full, 0 half

Rooms

Kitchens

Size

2000-2249Exact finished sqft not on MLS feed (often MPAC-only on broker systems)

Basement

Unfinished

Style

2-Storey

Type

Detached Condo

Year built

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

Occupancy: Vacant
Washrooms: 4 pc · Second; 2 pc · Main; 5 pc · Second
Family room: Family room
Central vacuum: No
Ensuite laundry: No

Property features: Ravine

Building name: The Bannerman
Condo corp #: 40
Balcony: None
Locker: None
Fees include: None
Pets: Yes-with Restrictions

Garage: 2-car Attached
Garage spaces: 2
Parking: 2 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick, Hardboard
Fronting on: —
Cross street: Sunset Drive and Shaw Valley Drive
Stories: 1
Utilities: —
Laundry: In Building
Interior: Auto Garage Door Remote, On Demand Water Heater
Parking features: —

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $799,000✓ $5,500 tax✓ Gas✓ 2000-2249 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$6,335/mo

incl. closing costs (yr 1)

Annual total

$76,025

year 1

Mortgage only

$3,031/mo

principal + interest

Beyond mortgage

$1,808/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$159,800

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$458/mo

Utilities

Hydro / electricity$82/mo

≈ $0.07/ft² × ~2,125 ft² · ON avg ~$82/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%$7,990/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)$21/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$12,455

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)48% $36,374/yr

Property taxes24% $17,955/yr

Utilities5% $4,042/yr

Insurance & security2% $1,600/yr

Maintenance11% $7,990/yr

Condo fees4% $2,964/yr

Closing costs7% $5,100/yr

Mortgage is 48% of your true cost of ownership. The other 52% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$36,374	$3,031/mo
Government & taxes
Property tax	$5,500	$458/mo
Land transfer tax(closing)	$12,455	$1,038/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$982	$82/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$7,990	$666/mo
Condo fees
Condo / HOA fees	$2,964	$247/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	$76,025	$6,335/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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The Bannerman

About this home

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Property details

Rooms

Price movement & seller pressure

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Annual costs