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$590K · 3 bed Common Element Condo · 057 - Smithville, West Lincoln | MyPropertyScout

$589,900

23 Severino Circle

17 DOM

3317d

DOM 17

$589,900

DOM17days

23 Severino Circle

West Lincoln · Ontario L0R 2A0

MLS® X13523188 · 057 - Smithville · L0R 2A0

33OwnerOccupied1200-1399 ft²Common Element Condo1-car Built-InFull, Partially Finished17d$454/ft²$4,721 tax/yrBuilt 20188 yrs oldFull, Partially Finished

17 days on market

About this home

Welcome to 23 Severino Circle, where you'll discover the perfect blend of comfort, style, and convenience in this beautifully maintained 3-bedroom, 2.5-bathroom home, ideally situated in one of Smithville's family-friendly neighbourhoods. Step inside to a bright, open-concept main floor featuring beautiful flooring that flows seamlessly throughout the living spaces. The spacious kitchen overlooks the dining and living areas, making it the perfect place to entertain guests or enjoy everyday famil…

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Property details

MLS#: X13523188
Status: Buy Now
Property class: Residential Condo & Other
Beds: 3
Baths: 3 full, 0 half
Rooms: 9
Kitchens: 1
Size: 1200-1399Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: Full, Partially Finished
Style: 2-Storey
Type: Common Element Condo
Year built: 2018

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

Zoning: RM3-495

Roof: Asphalt Shingle
Foundation: Poured Concrete
Property features: Greenbelt/Conservation, Hospital, Library, Park, Place Of Worship, Rec./Commun.Centre

View: Clear

Condo corp #: 284
Balcony: None
Locker: None
Association amenities: BBQs Allowed, Visitor Parking
Fees include: Common Elements Included
Pets: Yes-with Restrictions

Garage: 1-car Built-In
Garage spaces: 1
Parking: 2 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick Veneer, Vinyl Siding · Landscaped, Lawn Sprinkler System
Fronting on: —
Cross street: Streamside Dr and Severino Circle
Stories: 1
Utilities: —
Laundry: In-Suite Laundry
Interior: Auto Garage Door Remote, Sump Pump, Water Heater, Workbench
Parking features: Private

Additional listing data

ListAOR: Toronto Regional 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

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: RE/MAX ESCARPMENT FRANK REALTY

Source: TRREB/PROPTX · MLS® X13523188

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$590K

23 Severino Circle · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $589,900✓ $4,721 tax✓ Gas✓ 1200-1399 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,841/mo

incl. closing costs (yr 1)

Annual total

$58,088

year 1

Mortgage only

$2,238/mo

principal + interest

Beyond mortgage

$1,455/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$117,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$393/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,300 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%$5,899/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)$12/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$8,273

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)46% $26,855/yr

Property taxes22% $12,994/yr

Utilities7% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance10% $5,899/yr

Condo fees3% $1,680/yr

Closing costs9% $5,100/yr

Mortgage is 46% of your true cost of ownership. The other 54% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$26,855	$2,238/mo
Government & taxes
Property tax	$4,721	$393/mo
Land transfer tax(closing)	$8,273	$689/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%)	$5,899	$492/mo
Condo fees
Condo / HOA fees	$1,680	$140/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	$58,088	$4,841/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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23 Severino Circle

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Price movement & seller pressure

Sales History

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Annual costs