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$450K · 1 bed Condo Apartment · Unit 206, 10 James Street, Ottawa, Ontario K2P 1T2 | HomeSearchCanada

$450,000

Unit 206

81 DOM

1281d

Map

DOM 81

$450,000

DOM81days

Unit 206

10 James Street · Ottawa · Ontario K2P 1T2

MLS® X13455392 · 4103 - Ottawa Centre · K2P 1T2

12TenantOccupied700-799 ft²Condo ApartmentNoneNo basement81d$600/ft²$5,323 tax/yrNo basement

81 days on market

About this home

Discover unparalleled luxury at James House, a boutique condominium redefining urban living in the heart of Centretown. Designed by award-winning architects, this trend-setting development offers high-design new-loft style living with thoughtfully curated amenities. This sophisticated 1-bedroom + den, which could be used as a second bedroom, 2-bathroom suite boasts 10-ft ceilings, premium finishes, and an open-concept layout. The modern kitchen features quartz countertops, a built-in refrigerato…

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Property details

MLS#: X13455392
Status: Buy Now
Property class: Residential Condo & Other
Beds: 1
Baths: 2 full, 0 half
Rooms: 4
Kitchens: 1
Size: 700-799Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: None
Style: Apartment
Type: Condo Apartment
Year built: —Year built not on MLS feed (often MPAC-only on broker systems)

Occupancy: Tenant Occupied
Washrooms: 3 pc
Family room: No
Central vacuum: No
Ensuite laundry: Ensuite laundry

Zoning: Residential

Property features: Arts Centre, Park, Public Transit, Rec./Commun.Centre, School

Fireplaces: 0

View: Downtown

Condo corp #: 1132
Balcony: Open
Locker: Owned
Association amenities: Concierge, Exercise Room, Outdoor Pool, Party Room/Meeting Room, Visitor Parking
Fees include: Heat Included, Water Included
Pets: Yes-with Restrictions

Garage: None
Garage spaces: 0
Parking: 0 total
Heating: Fan Coil
Heating fuel: Gas
Cooling: Central Air
Waterfront: No
Exterior: Brick, Metal/Steel Siding
Fronting on: —
Cross street: Bank St. / James St
Stories: 2
Utilities: —
Laundry: In-Suite Laundry
Laundry level: Main Level
Interior: ERV/HRV
Parking features: —

Additional listing data

ListAOR: Ottawa Real Estate Board

Rooms

Room details

Seller signals

Price movement & seller pressure

No price-drop or motivated-seller signals detected from MLS data we track on this listing.

Property history

Sales History

NEW

Location details

Comparable sales

Neighbourhood SOLDs

Neighbourhood stats

Brokered by: ENGEL & VOLKERS OTTAWA

Source: TRREB/PROPTX · MLS® X13455392

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$450K

Unit 206 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $450,000✓ $5,323 tax✓ Gas✓ 700-799 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,308/mo

incl. closing costs (yr 1)

Annual total

$51,701

year 1

Mortgage only

$1,707/mo

principal + interest

Beyond mortgage

$1,687/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$90,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$444/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~750 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%$4,500/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)$37/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$5,475

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)40% $20,486/yr

Property taxes21% $10,798/yr

Utilities8% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance9% $4,500/yr

Condo fees10% $5,257/yr

Closing costs10% $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)	$20,486	$1,707/mo
Government & taxes
Property tax	$5,323	$444/mo
Land transfer tax(closing)	$5,475	$456/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%)	$4,500	$375/mo
Condo fees
Condo / HOA fees	$5,257	$438/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	$51,701	$4,308/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 206

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