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$399,000
DOM88days49 Ontario Street · Grimsby · Ontario L3M 3H2
88 days on market
Charming two-storey condo in Grimsby's boutique Carnegie Lofts! This 1-bed, 1-bath home offers approx. 950 sq ft of thoughtfully laid-out living space - plus a basement, a rare feature in this building. The main level welcomes you with an open-concept foyer, kitchen, and living room finished in warm hardwood flooring. Upstairs, the primary bedroom is joined by a private bath and convenient laundry. Built in 2005, with a concrete block foundation and 100-amp breaker panel. Set within a converted…
Could save you thousands on this purchase — closing strategy, negotiation & rebate.
Insufficient comparable sales to generate an estimate. Boost accuracy on MyStreetValue →
Seller signals
No price-drop or motivated-seller signals detected from MLS data we track on this listing.
Property history
Comparable sales
Brokered by: RE/MAX ESCARPMENT GOLFI REALTY INC.
Source: TRREB/PROPTX · MLS® X13610086
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20%+ down — no CMHC premium
≈ $0.13/ft² × ~950 ft² · incl. electric heat
Electric heat — no gas service · see hydro
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 41% of your true cost of ownership. The other 59% surprises most first-time buyers.
Full breakdown
| Mortgage & financing | ||
| Mortgage (P+I) | $18,164 | $1,514/mo |
| Government & taxes | ||
| Property tax | $2,550 | $213/mo |
| Land transfer tax(closing) | $4,460 | $372/mo |
| Insurance & protection | ||
| Home insurance | $1,200 | $100/mo |
| Title insurance(closing) | $400 | $33/mo |
| Utilities | ||
| Hydro / electricity | $900 | $75/mo |
| Water & sewer | $720 | $60/mo |
| Internet / TV / phone | $840 | $70/mo |
| Maintenance & upkeep | ||
| Maintenance reserve (1.0%) | $3,990 | $333/mo |
| Condo fees | ||
| Condo / HOA fees | $5,700 | $475/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 | $44,024 | $3,669/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.