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$580,000
129B South Street · Gananoque · Ontario K7G 0B1
112 days on market
Welcome to carefree waterfront living Gananoque, nestled along the stunning St. Lawrence River. This beautifully appointed1-bedroom plus den condo offers an exceptional lifestyle in a newer, upscale building just steps from the water. Designed with comfort and style in mind, the open-concept layout features an upgraded kitchen with quality finishes, seamlessly flowing into the bright living and dining areas. Engineered hardwood floors run throughout, creating a completely carpet-free space that…
Could save you thousands on this purchase — closing strategy, negotiation & rebate.
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Seller signals
Motivated SellerWhy this label
Labels reflect MLS fields and listing history in our database — not an opinion on fair market value.
Property history
Comparable sales
Brokered by: ROYAL LEPAGE PROALLIANCE REALTY, BROKERAGE
Source: TRREB/PROPTX · MLS® X13520084
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20%+ down — no CMHC premium
≈ $0.07/ft² × ~850 ft² · ON avg ~$75/mo
Typical ON gas-heated home · ~$125/mo
ON municipal avg ~$60/mo
ON internet/TV avg ~$70/mo
1% of value/yr — standard reserve
Landscaping & snow removal · $0 default
$100/mo default · adjust for your home
Optional monitoring · $0 default
From listing or typical fee
Cost composition
Mortgage is 38% of your true cost of ownership. The other 62% surprises most first-time buyers.
Full breakdown
| Mortgage & financing | ||
| Mortgage (P+I) | $26,404 | $2,200/mo |
| Government & taxes | ||
| Property tax | $7,205 | $600/mo |
| Land transfer tax(closing) | $8,075 | $673/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%) | $5,800 | $483/mo |
| Condo fees | ||
| Condo / HOA fees | $11,129 | $927/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 | $69,273 | $5,773/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.