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$539K · 1 bed Condo Apartment · Unit 318, 129b South Street, Gananoque, Ontario K7G 0B1 | HomeSearchCanada

$539,000

Unit 318

107 DOM

12107d

Map

DOM 107

Motivated SellerWaterfront

$539,000

Motivated Seller

DOM107days

Unit 318

129b South Street · Gananoque · Ontario K7G 0B1

MLS® X13154266 · 05 - Gananoque · K7G 0B1

12OwnerOccupied800-899 ft²Condo Apartment1-car UndergroundNo basement107d$634/ft²$7,777 tax/yrBuilt 20233 yrs oldNo basement

107 days on market

About this home

Modern 1000 Islands Lifestyle ~ water, trees & wildlife. Come & experience Stone & South on the St. Lawrence River. Designed for an active, easy going lifestyle, this 1-bedroom + den offers a comfortable & convenient waterfront retreat. Features include; smooth ceilings, hardwood floors, quartz counters, and well-proportioned rooms filled with abundant natural light. The practical 802 sq ft layout includes a private balcony with unobstructed southwest water views, while the flexible den space ad…

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Property details

MLS#: X13154266
Status: Conditionally Sold
Property class: Residential Condo & Other
Beds: 1
Baths: 2 full, 0 half
Rooms: 6
Kitchens: 1
Size: 800-899Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: None
Style: Apartment
Type: Condo Apartment
Year built: 2023

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

Property features: Arts Centre, Clear View, Library, Marina, Place Of Worship, Waterfront

View: Trees/Woods, Water

Waterfront: Yes

Condo corp #: 47
Balcony: Open
Locker: Owned
Fees include: Water Included, Common Elements Included, Building Insurance Included, Parking Included
Pets: Yes-with Restrictions

Garage: 1-car Underground
Garage spaces: 1
Parking: 1 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Exterior: Brick, Stone · Year Round Living, Recreational Area
Fronting on: —
Cross street: Stone & South St
Stories: 3
Utilities: —
Laundry: Ensuite
Interior: Carpet Free
Parking features: Underground

Additional listing data

ListAOR: Toronto Regional Real Estate Board

Rooms

Room details

Seller signals

Price movement & seller pressure

Motivated SellerWhy this label

107 days on market — Listing has been active for 107 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 HALLMARK FIRST GROUP REALTY LTD.

Source: TRREB/PROPTX · MLS® X13154266

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$539K

Unit 318 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $539,000✓ $7,777 tax✓ Gas✓ 800-899 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$5,568/mo

incl. closing costs (yr 1)

Annual total

$66,819

year 1

Mortgage only

$2,045/mo

principal + interest

Beyond mortgage

$2,461/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$107,800

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$648/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~850 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%$5,390/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)$78/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$7,255

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)37% $24,538/yr

Property taxes22% $15,032/yr

Utilities6% $3,960/yr

Insurance & security2% $1,600/yr

Maintenance8% $5,390/yr

Condo fees17% $11,199/yr

Closing costs8% $5,100/yr

Mortgage is 37% of your true cost of ownership. The other 63% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$24,538	$2,045/mo
Government & taxes
Property tax	$7,777	$648/mo
Land transfer tax(closing)	$7,255	$605/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%)	$5,390	$449/mo
Condo fees
Condo / HOA fees	$11,199	$933/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	$66,819	$5,568/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 318

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