$1.60M · 8 bed Detached · 431 Gilmour Street, Ottawa, Ontario K2P 0R5

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About this home

An elegant 3 Story Victorian fully furnished building in a prime location. This stunning newer renovated residence combines historic charm with modern elegance, approx 4300Sqft, lots of newer update has been done. The main floor has spacious living room and dining room and a new kitchen, and a one bedroom unit with a large kitchen and laundry at the back with separate entrance could be owner occupied. Classic Victorian features, Ornate Banisters, cove and molding through out, hardwood and cerami…

Property details

MLS#

X13169542

Status

Buy Now

Property class

Residential Freehold

Beds

Baths

9 full, 0 half

Rooms

16 + 1

Kitchens

Size

3500-5000Exact finished sqft not on MLS feed (often MPAC-only on broker systems)

Basement

Full, Unfinished

Style

3-Storey

Type

Detached

Year built

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

PIN: 041190077
Roll / ARN: 061404200122700

Occupancy: Tenant Occupied
Washrooms: 4 pc · Second; 3 pc · Second; 3 pc · Ground; 3 pc · Third; 2 pc · Second
Family room: No
Central vacuum: No
Ensuite laundry: No

Zoning: GM

Roof: Asphalt Shingle
Foundation: Stone

Garage: None
Garage spaces: 0
Parking: 3 total
Lot: 42 × 109
Heating: Forced Air
Heating fuel: Wood
Cooling: Central Air
Fireplaces: —
Pool: No
Waterfront: No
Exterior: Brick, Vinyl Siding
Fronting on: North
Cross street: Bank St
Stories: —
Utilities: —
Laundry: —
Interior: In-Law Suite
Parking features: —

Price movement & seller pressure

↓ $100KPrice reduction

MLS shows the seller reduced the asking price by $100,000 (from $1,699,000 to $1,599,000).

Motivated SellerWhy this label

91 days on market — Listing has been active for 91 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✓ $1,599,000✓ $10,210 tax✓ Wood✓ 3500-5000 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$11,732/mo

incl. closing costs (yr 1)

Annual total

$140,778

year 1

Mortgage only

$6,066/mo

principal + interest

Beyond mortgage

$2,836/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$319,800

20%+ required — no CMHC insurance on $1.5M+ homes

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$851/mo

Utilities

Hydro / electricity$298/mo

≈ $0.07/ft² × ~4,250 ft² · ON avg ~$298/mo

Wood$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%$15,990/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

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$28,455

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)52% $72,793/yr

Property taxes27% $38,665/yr

Utilities5% $6,630/yr

Insurance & security1% $1,600/yr

Maintenance11% $15,990/yr

Closing costs4% $5,100/yr

Mortgage is 52% of your true cost of ownership. The other 48% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$72,793	$6,066/mo
Government & taxes
Property tax	$10,210	$851/mo
Land transfer tax(closing)	$28,455	$2,371/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$3,570	$298/mo
Wood	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$15,990	$1,333/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	$140,778	$11,732/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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431 Gilmour Street

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