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$600K · 3 bed Condo Townhouse · Unit 38, 540 Spitfire Street, Woodstock, Ontario N4T 0C2 | HomeSearchCanada

$600,000

Unit 38

153 DOM

32153d

Map

DOM 153

Motivated Seller

$600,000

Motivated Seller

DOM153days

Unit 38

540 Spitfire Street · Woodstock · Ontario N4T 0C2

MLS® X12408851 · Woodstock - North · N4T 0C2

32Vacant1200-1399 ft²Condo Townhouse1-car AttachedFull, Partially Finished153d$462/ft²$4,734 tax/yrBuilt 200323 yrs oldFull, Partially Finished

153 days on market

About this home

Welcome to 38-540 Spitfire, a bright end unit in a desirable condo community. The main level consists of an open concept kitchen with island, dining area and living area. The dining area has an extra window allowing an abundance of natural light. The main level has hardwood, tile in the entrance, kitchen and bathroom. The 4 pc ensuite also has the laundry. A primary bedroom and 2nd bedroom on main level. Sliding glass door to deck with awning. The basement level has a large family room, bedroom…

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Property details

MLS#: X12408851
Status: Buy Now
Property class: Residential Condo & Other
Beds: 3
Baths: 2 full, 0 half
Rooms: 8
Kitchens: 1
Size: 1200-1399Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: Full, Partially Finished
Style: Bungalow
Type: Condo Townhouse
Year built: 2003

Occupancy: Vacant
Washrooms: 3 pc; 4 pc
Family room: Family room
Central vacuum: Central vacuum
Ensuite laundry: No

Condo corp #: 98
Balcony: None
Locker: None
Fees include: Building Insurance Included, Cable TV Included
Pets: Yes-with Restrictions

Garage: 1-car Attached
Garage spaces: 1
Parking: 2 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick · Awnings, Deck, Landscaped, Porch
Fronting on: —
Cross street: Devonshire & Cardinal
Stories: 1
Utilities: —
Laundry: Ensuite
Laundry level: Main Level
Interior: Auto Garage Door Remote, Central Vacuum, Water Heater Owned, Water Softener
Parking features: Private

Additional listing data

ListAOR: Woodstock Ingersoll Tillsonburg & Area Association of REALTORS

Rooms

Room details

Seller signals

Price movement & seller pressure

Motivated SellerWhy this label

Vacant property — MLS shows vacant occupancy and the listing has been on market 120+ days.

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

Property history

Sales History

NEW

Location details

Comparable sales

Neighbourhood SOLDs

Neighbourhood stats

Brokered by: Sutton Group Select Realty Inc Brokerage

Source: TRREB/PROPTX · MLS® X12408851

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$600K

Unit 38 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $600,000✓ $4,734 tax✓ Gas✓ 1200-1399 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$5,165/mo

incl. closing costs (yr 1)

Annual total

$61,984

year 1

Mortgage only

$2,276/mo

principal + interest

Beyond mortgage

$1,725/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$120,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$395/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%$6,000/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)$33/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$8,475

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)44% $27,315/yr

Property taxes21% $13,209/yr

Utilities6% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance10% $6,000/yr

Condo fees8% $4,800/yr

Closing costs8% $5,100/yr

Mortgage is 44% of your true cost of ownership. The other 56% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$27,315	$2,276/mo
Government & taxes
Property tax	$4,734	$395/mo
Land transfer tax(closing)	$8,475	$706/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%)	$6,000	$500/mo
Condo fees
Condo / HOA fees	$4,800	$400/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	$61,984	$5,165/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 38

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