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$445K · 2 bed Condo Townhouse · Unit 5, Sutherland Terrace - 5, 233 John Street, Belleville, Ontario K8N 3G2 | HomeSearchCanada

$445,000

Unit 5

97 DOM

2297d

Map

DOM 97

Motivated Seller

$445,000

Motivated Seller

DOM97days

Unit 5

Sutherland Terrace - 5 · 233 John Street · Belleville · Ontario K8N 3G2

MLS® X13042814 · Belleville Ward · K8N 3G2

22OwnerOccupied1600-1799 ft²Condo TownhouseNoneNo basement97d$262/ft²$4,203 tax/yrBuilt 1916110 yrs oldNo basement

97 days on market

About this home

This stunning open-concept Victorian townhome is full of character and charm. Towering ceilings, 16 inch base boards and large windows on both levels that flood the space with natural light. Step inside through the elegant front door to the spacious foyer, powder room, and a stately, original staircase that sets the tone for the home. The main living offers a bright, open layout with generous living room and modern kitchen with centre island perfect for entertaining or relaxing. The primary bedr…

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Property details

MLS#: X13042814
Status: Buy Now
Property class: Residential Condo & Other
Beds: 2
Baths: 2 full, 0 half
Rooms: 9
Kitchens: 1
Size: 1600-1799Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: None
Style: 2-Storey
Type: Condo Townhouse
Year built: 1916

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

Zoning: RS-14

Roof: Asphalt Shingle
Foundation: Stone

Building name: Sutherland Terrace - 5
Condo corp #: 21
Balcony: None
Locker: None
Fees include: Building Insurance Included, Common Elements Included, Parking Included
Pets: Yes-with Restrictions

Garage: None
Garage spaces: 0
Parking: 1 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick · Paved Yard, Year Round Living
Fronting on: —
Cross street: Bridge Street E and John Street
Stories: 1
Utilities: —
Laundry: Gas Dryer Hookup, Washer Hookup
Laundry level: Upper Level
Interior: Carpet Free, Separate Hydro Meter, Water Heater, Water Heater Owned, Water Meter
Parking features: Reserved/Assigned

Additional listing data

ListAOR: Central Lakes Association of REALTORS

Rooms

Room details

Seller signals

Price movement & seller pressure

Motivated SellerWhy this label

97 days on market — Listing has been active for 97 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 Proalliance Realty

Source: TRREB/PROPTX · MLS® X13042814

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$445K

Unit 5 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $445,000✓ $4,203 tax✓ Gas✓ 1600-1799 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$5,034/mo

incl. closing costs (yr 1)

Annual total

$60,403

year 1

Mortgage only

$1,688/mo

principal + interest

Beyond mortgage

$2,439/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$89,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$350/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,700 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%$4,450/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)$107/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$5,375

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)34% $20,258/yr

Property taxes16% $9,578/yr

Utilities7% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance7% $4,450/yr

Condo fees26% $15,457/yr

Closing costs8% $5,100/yr

Mortgage is 34% of your true cost of ownership. The other 66% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$20,258	$1,688/mo
Government & taxes
Property tax	$4,203	$350/mo
Land transfer tax(closing)	$5,375	$448/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%)	$4,450	$371/mo
Condo fees
Condo / HOA fees	$15,457	$1,288/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	$60,403	$5,034/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 5

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