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$396K · 1 bed Condo Apartment · Unit 110, 25 Concession Street, Cambridge, Ontario N1R 2G6 | HomeSearchCanada

$396,000

Unit 110

116 DOM

11116d

Map

DOM 116

Motivated Seller

$396,000

Motivated Seller

DOM116days

Unit 110

25 Concession Street · Cambridge · Ontario N1R 2G6

MLS® X13118682 · N1R 2G6

11Vacant600-699 ft²Condo ApartmentNoneUnfinished116d$610/ft²$3,154 tax/yrBuilt 201313 yrs oldUnfinished

116 days on market

About this home

JUST LISTED! Welcome to this stunning ground-level one-bedroom condo that perfectly blends modern urban living with the timeless charm of historic Galt!Located at The Grand River Loft's, this unique home features soaring 15-foot ceilings, exposed stone walls in both the bedroom and living room, and a bright open-concept layout designed for comfortable everyday living and effortless entertaining.The carpet-free interior offers radiant heating throughout, while the kitchen is equipped with stainle…

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Property details

MLS#: X13118682
Status: Buy Now
Property class: Residential Condo & Other
Beds: 1
Baths: 1 full, 0 half
Rooms: 4
Kitchens: 1
Size: 600-699Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: Unfinished
Style: Apartment
Type: Condo Apartment
Year built: 2013

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

Roof: Shingles
Property features: Library, Place Of Worship, Park, Public Transit, River/Stream, School Bus Route

Condo corp #: 528
Balcony: None
Locker: None
Association amenities: Visitor Parking
Fees include: Building Insurance Included, Common Elements Included
Pets: Yes-with Restrictions

Garage: None
Garage spaces: 0
Parking: 1 total
Heating: Radiant
Heating fuel: Other
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Stone, Vinyl Siding
Fronting on: —
Cross street: Concession St & Ainslie St S
Stories: 1
Utilities: —
Laundry: Ensuite
Laundry level: Main Level
Interior: Carpet Free
Parking features: Surface

Additional listing data

ListAOR: Toronto Regional Real Estate Board

Rooms

Room details

Seller signals

Price movement & seller pressure

Motivated SellerWhy this label

116 days on market — Listing has been active for 116 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: RE/MAX METROPOLIS REALTY

Source: TRREB/PROPTX · MLS® X13118682

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$396K

Unit 110 · Bryon Bertrim

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $396,000✓ $3,154 tax✓ Other✓ 600-699 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,739/mo

incl. closing costs (yr 1)

Annual total

$44,872

year 1

Mortgage only

$1,502/mo

principal + interest

Beyond mortgage

$1,411/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$79,200

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$263/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~650 ft² · ON avg ~$75/mo · assumes gas heat

Other$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%$3,960/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)$32/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$4,415

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)40% $18,028/yr

Property taxes17% $7,569/yr

Utilities9% $3,960/yr

Insurance & security4% $1,600/yr

Maintenance9% $3,960/yr

Condo fees10% $4,655/yr

Closing costs11% $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)	$18,028	$1,502/mo
Government & taxes
Property tax	$3,154	$263/mo
Land transfer tax(closing)	$4,415	$368/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Other	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$3,960	$330/mo
Condo fees
Condo / HOA fees	$4,655	$388/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	$44,872	$3,739/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 110

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