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$500K · 2 bed Condo Townhouse · Unit 8, 433 Queen Street, Kincardine, Ontario N2Z 0A2 | HomeSearchCanada

$499,900

Unit 8

80 DOM

2380d

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DOM 80

↓ $20KPrice Reduced

$499,900

↓ $20K

DOM80days

Unit 8

433 Queen Street · Kincardine · Ontario N2Z 0A2

MLS® X13079174 · Kincardine · N2Z 0A2

23OwnerOccupied1200-1399 ft²Condo Townhouse1-car AttachedUnfinished, Full80d$385/ft²$3,544 tax/yrBuilt 200323 yrs oldUnfinished, Full

80 days on market

About this home

Welcome to carefree living in the heart of Kincardine, just two blocks from the shores of Lake Huron. Nestled in a well-established condominium community, this move-in ready home offers the perfect blend of comfort, space, and low-maintenance living-ideal for enjoying Kincardine's vibrant festivals, markets, and summer lifestyle. The main level features a bright, open-concept layout with a spacious kitchen offering ample cabinetry, granite countertops, and generous prep space. The dining and gre…

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Property details

MLS#: X13079174
Status: Buy Now
Property class: Residential Condo & Other
Beds: 2
Baths: 3 full, 0 half
Rooms: 9
Kitchens: 1
Size: 1200-1399Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: Unfinished, Full
Style: Bungaloft
Type: Condo Townhouse
Year built: 2003

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

Roof: Asphalt Shingle
Foundation: Concrete
Property features: Beach, Hospital, Park, Place Of Worship, Rec./Commun.Centre, Library

Fireplaces: 1
Fireplace features: Living Room, Propane

Condo corp #: 21
Balcony: Open
Locker: None
Association amenities: BBQs Allowed, Visitor Parking
Fees include: Parking Included, Common Elements Included, Building Insurance Included
Pets: Yes-with Restrictions

Garage: 1-car Attached
Garage spaces: 1
Parking: 2 total
Heating: Forced Air
Heating fuel: Propane
Cooling: Central Air
Waterfront: No
Exterior: Brick, Vinyl Siding · Deck, Landscaped
Fronting on: —
Cross street: St Albert St x Queen St.
Stories: 1
Utilities: —
Laundry: In-Suite Laundry, Laundry Closet
Interior: Primary Bedroom - Main Floor, Water Heater Owned
Parking features: Private

Additional listing data

ListAOR: One Point Association of REALTORS

Rooms

Room details

Seller signals

Price movement & seller pressure

↓ $20KPrice reduction

MLS shows the seller reduced the asking price by $20,000 (from $519,900 to $499,900).

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 Exchange Realty Co.

Source: TRREB/PROPTX · MLS® X13079174

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$500K

Unit 8 · Bryon Bertrim

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $499,900✓ $3,544 tax✓ Propane✓ 1200-1399 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,557/mo

incl. closing costs (yr 1)

Annual total

$54,686

year 1

Mortgage only

$1,896/mo

principal + interest

Beyond mortgage

$1,663/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$99,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$295/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,300 ft² · ON avg ~$75/mo

Propane$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%$4,999/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)$43/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$6,473

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)42% $22,758/yr

Property taxes18% $10,017/yr

Utilities7% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance9% $4,999/yr

Condo fees11% $6,252/yr

Closing costs9% $5,100/yr

Mortgage is 42% of your true cost of ownership. The other 58% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$22,758	$1,896/mo
Government & taxes
Property tax	$3,544	$295/mo
Land transfer tax(closing)	$6,473	$539/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Propane	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$4,999	$417/mo
Condo fees
Condo / HOA fees	$6,252	$521/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	$54,686	$4,557/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 8

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