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$494,900
1041 Pine Street · Haldimand · Ontario N1A 2N1
43 days on market
Beautifully presented 2-bedroom, 2-bathroom end-unit bungalow in sought-after Maple Creek Landing, ideal for buyers seeking main-floor, maintenance-free living. This all-brick townhome condo offers excellent curb appeal with an attached single-car garage, private paved driveway, welcoming front porch, and refinished back deck. Inside, the bright open-concept layout includes 1,175 sqft of living space featuring 9 ft ceilings, hardwood flooring, a gas fireplace and patio doors leading to a private…
Could save you thousands on this purchase — closing strategy, negotiation & rebate.
Insufficient comparable sales to generate an estimate. Boost accuracy on MyStreetValue →
Seller signals
↓ $40KPrice reduction
MLS shows the seller reduced the asking price by $40,000 (from $534,900 to $494,900).
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 NRC REALTY
Source: TRREB/PROPTX · MLS® X13764676
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20%+ down — no CMHC premium
≈ $0.07/ft² × ~1,100 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 43% of your true cost of ownership. The other 57% surprises most first-time buyers.
Full breakdown
| Mortgage & financing | ||
| Mortgage (P+I) | $22,530 | $1,877/mo |
| Government & taxes | ||
| Property tax | $3,168 | $264/mo |
| Land transfer tax(closing) | $6,373 | $531/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%) | $4,949 | $412/mo |
| Condo fees | ||
| Condo / HOA fees | $4,980 | $415/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 | $52,660 | $4,388/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.