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$420K · 2 bed Condo Townhouse · Unit 406, 99 St-Moritz Terrace, Russell, Ontario K0A 1W0 | HomeSearchCanada

$419,900

Unit 406

28 DOM

2128d

Map

DOM 28

$419,900

DOM28days

Unit 406

99 St-Moritz Terrace · Russell · Ontario K0A 1W0

MLS® X13655746 · 602 - Embrun · K0A 1W0

21OwnerOccupied1000-1199 ft²Condo TownhouseNoneNo basement28d$382/ft²$3,005 tax/yrNo basement

28 days on market

About this home

2 PARKING SPOTS INCLUDED! Welcome to this stunning 2-bedroom, 1-bathroom upper-level condominium, offering exceptional privacy, modern luxury, and a beautiful natural setting with no rear neighbours. Thoughtfully designed with high-end finishes and attention to detail throughout, this home offers both style and comfort. Enjoy the cozy warmth of radiant heated floors throughout the colder months, while the concrete construction provides excellent sound insulation for a peaceful and quiet living e…

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Property details

MLS#: X13655746
Status: Buy Now
Property class: Residential Condo & Other
Beds: 2
Baths: 1 full, 0 half
Rooms: 6
Kitchens: 1
Size: 1000-1199Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: None
Style: 1 Storey/Apt
Type: Condo Townhouse
Year built: —Year built not on MLS feed (often MPAC-only on broker systems)

Occupancy: Owner Occupied
Washrooms: 4 pc
Family room: No
Central vacuum: No
Ensuite laundry: Ensuite laundry

Roof: Asphalt Shingle
Property features: Wooded/Treed

View: Trees/Woods

Condo corp #: 72
Balcony: Enclosed
Locker: None
Fees include: Common Elements Included, Building Insurance Included
Pets: Yes-with Restrictions

Garage: None
Garage spaces: 0
Parking: 2 total
Heating: Radiant
Heating fuel: Gas
Cooling: Wall Unit(s)
Fireplaces: —
Waterfront: No
Exterior: Vinyl Siding, Brick Veneer · Porch Enclosed
Fronting on: —
Cross street: From the 417-hwy east, take exit 88 (Vars/Embrun), turn right on St-Guillaume, take the left exit from the around about onto Notre Dame street, turn right on Ste-Marie, and left onto St Moritz Trail. Condo is on the left
Stories: 2
Utilities: —
Laundry: In-Suite Laundry
Interior: Air Exchanger, Carpet Free
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: CENTURY 21 SYNERGY REALTY INC.

Source: TRREB/PROPTX · MLS® X13655746

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$420K

Unit 406 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $419,900✓ $3,005 tax✓ Gas✓ 1000-1199 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,758/mo

incl. closing costs (yr 1)

Annual total

$45,093

year 1

Mortgage only

$1,593/mo

principal + interest

Beyond mortgage

$1,300/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$83,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$250/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,100 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%$4,199/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)$23/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$4,873

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)42% $19,116/yr

Property taxes17% $7,878/yr

Utilities9% $3,960/yr

Insurance & security4% $1,600/yr

Maintenance9% $4,199/yr

Condo fees7% $3,240/yr

Closing costs11% $5,100/yr

Mortgage is 42% of your true cost of ownership. The other 58% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$19,116	$1,593/mo
Government & taxes
Property tax	$3,005	$250/mo
Land transfer tax(closing)	$4,873	$406/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%)	$4,199	$350/mo
Condo fees
Condo / HOA fees	$3,240	$270/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	$45,093	$3,758/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 406

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