$550K · 3 bed Condo Apartment · Unit 10, 963 Armour Road, Peterborough, Ontario K9H 7H2

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About this home

SPACIOUS 3 BEDROOM, 2 BATHROOM CONDO OFFERING IMMEDIATE POSSESSION. THE PADDOCK WOOD CONDO DEVELOPMENT IN ESTY CITY IS ADJACENT TO THE ROTARY TRAIL AND CLOSE TO PETERBOROUGH GOLF AND COUNTRY CLUB. OFFERING 2 DEDICATED PARKING SPOTS AT ENTRANCE OF BUILDING. THIS UNIT, LOCATED JUST INSIDE THE SECURED ENTRY FOYER, OFFERS IN-SUITE LAUNDRY, WALKOUT FROM THE OVERSIZED LIVING ROOM/DINING ROOM COMBO TO PRIVATE INTERLOCK PATIO.

Property details

MLS#

X13106562

Status

Buy Now

Property class

Residential Condo & Other

Beds

Baths

2 full, 0 half

Rooms

Kitchens

Size

1400-1599Exact finished sqft not on MLS feed (often MPAC-only on broker systems)

Basement

None

Style

Bungalow

Type

Condo Apartment

Year built

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

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

Condo corp #: 12
Balcony: None
Locker: None
Association amenities: Visitor Parking
Fees include: Common Elements Included
Pets: Yes-with Restrictions

Garage: None
Garage spaces: 0
Parking: 2 total
Heating: Baseboard
Heating fuel: Electric
Cooling: Wall Unit(s)
Fireplaces: —
Waterfront: No
Exterior: Brick
Fronting on: —
Cross street: ARMOUR RD, PADDOCK WOOD
Stories: 1
Utilities: —
Laundry: In-Suite Laundry
Interior: None
Parking features: Reserved/Assigned

Price movement & seller pressure

Motivated SellerWhy this label

Estate sale — Listing remarks or MLS designation indicate an estate sale.
119 days on market — Listing has been active for 119 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✓ $549,900✓ $5,125 tax✓ Electric✓ 1400-1599 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,962/mo

incl. closing costs (yr 1)

Annual total

$59,539

year 1

Mortgage only

$2,086/mo

principal + interest

Beyond mortgage

$1,794/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$109,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$427/mo

Utilities

Hydro / electricity$75/mo

≈ $0.13/ft² × ~1,500 ft² · incl. electric heat

Heat$0/mo

Electric heat — no gas service · see hydro

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%$5,499/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)$50/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$7,473

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)42% $25,034/yr

Property taxes21% $12,598/yr

Utilities4% $2,460/yr

Insurance & security3% $1,600/yr

Maintenance9% $5,499/yr

Condo fees12% $7,248/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)	$25,034	$2,086/mo
Government & taxes
Property tax	$5,125	$427/mo
Land transfer tax(closing)	$7,473	$623/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$5,499	$458/mo
Condo fees
Condo / HOA fees	$7,248	$604/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	$59,539	$4,962/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 10

About this home

MyStreetValue™ Analysis

Property details

Rooms

Price movement & seller pressure

Sales History

Neighbourhood SOLDs

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Annual costs