$619K · 2 bed Condo Apartment · Unit 111, 640 Sauve Street, Milton, Ontario L9T 9A7

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About this home

Enjoy upscale living in this beautiful 2-bedroom condo with serene pond views.Offering over 800 sq ft of well-designed living space, this unit features a functional layout with 9-ft ceilings, extended-height kitchen cabinetry, stainless steel appliances, and granite countertops. Large windows flood the space with natural light and showcase sunny southern exposure.Step out onto your private balcony to enjoy your morning coffee while taking in peaceful nature views. Conveniently located just minut…

Property details

MLS#

W12784398

Status

Buy Now

Property class

Residential Condo & Other

Beds

Baths

2 full, 0 half

Rooms

Kitchens

Size

800-899Exact finished sqft not on MLS feed (often MPAC-only on broker systems)

Basement

None

Style

1 Storey/Apt

Type

Condo Apartment

Year built

2018

Occupancy: Owner Occupied
Washrooms: 4 pc · Main; 3 pc · Main
Family room: Family room
Central vacuum: No
Ensuite laundry: Ensuite laundry

View: Park/Greenbelt

Condo corp #: 665
Balcony: Open
Locker: Exclusive
Fees include: Water Included, Common Elements Included, Parking Included, Building Insurance Included
Pets: Yes-with Restrictions

Garage: 1-car Underground
Garage spaces: 1
Parking: 1 total
Heating: Forced Air
Heating fuel: Electric
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick, Concrete Poured
Fronting on: —
Cross street: Derry Road
Stories: 1
Utilities: —
Laundry: In-Suite Laundry
Interior: Auto Garage Door Remote, Carpet Free, Intercom, Storage Area Lockers
Parking features: —

Price movement & seller pressure

↓ $30KPrice reduction

MLS shows the seller reduced the asking price by $30,000 (from $649,000 to $619,000).

Motivated SellerWhy this label

140 days on market — Listing has been active for 140 days — extended time on market can signal seller pressure.

Labels reflect MLS fields and listing history in our database — not an opinion on fair market value.

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $619,000✓ $1,949 tax✓ Electric✓ 800-899 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,936/mo

incl. closing costs (yr 1)

Annual total

$59,227

year 1

Mortgage only

$2,348/mo

principal + interest

Beyond mortgage

$1,391/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$123,800

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$162/mo

Utilities

Hydro / electricity$75/mo

≈ $0.13/ft² × ~850 ft² · incl. electric heat

Heat$0/mo

Electric heat — no gas service · see hydro

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%$6,190/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)$34/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$8,855

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)48% $28,180/yr

Property taxes18% $10,804/yr

Utilities4% $2,460/yr

Insurance & security3% $1,600/yr

Maintenance10% $6,190/yr

Condo fees8% $4,894/yr

Closing costs9% $5,100/yr

Mortgage is 48% of your true cost of ownership. The other 52% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$28,180	$2,348/mo
Government & taxes
Property tax	$1,949	$162/mo
Land transfer tax(closing)	$8,855	$738/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%)	$6,190	$516/mo
Condo fees
Condo / HOA fees	$4,894	$408/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	$59,227	$4,936/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 111

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