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$495K · 2 bed Condo Apartment · Unit 14, 130 Water Street, Gananoque, Ontario K7G 0A8 | HomeSearchCanada

$495,000

Unit 14

122 DOM

22122d

Map

DOM 122

Motivated SellerWaterfront

$495,000

Motivated Seller

DOM122days

Unit 14

130 Water Street · Gananoque · Ontario K7G 0A8

MLS® X13165724 · 05 - Gananoque · K7G 0A8

22OwnerOccupied1400-1599 ft²Condo Apartment1-car UndergroundNo basement122d$330/ft²$6,214 tax/yrNo basement

122 days on market

About this home

Welcome to Island Harbour Club. Experience modern waterfront living in the heart of the Thousand Islands. This stunning 2-bedroom, 2-bathroom ground-floor unit offers open-concept elegance with high ceilings, premium finishes, and expansive windows that fill the space with natural light. The kitchen features quartz countertops, sleek cabinetry, and stainless steel appliances, flowing seamlessly into the living and dining areas perfect for entertaining. The primary suite boasts a walk-in closet a…

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Property details

MLS#: X13165724
Status: Buy Now
Property class: Residential Condo & Other
Beds: 2
Baths: 2 full, 0 half
Rooms: 5
Kitchens: 1
Size: 1400-1599Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: None
Style: 1 Storey/Apt
Type: Condo Apartment
Year built: —Year built not on MLS feed (often MPAC-only on broker systems)

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

Property features: Lake Access, Park, Rec./Commun.Centre

Waterfront: Yes
Water view: Partially Obstructive
Water body: St. Lawrence River
Shoreline: Unknown
Waterfront features: Other

Condo corp #: 45
Balcony: Open
Locker: None
Association amenities: None
Fees include: 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: Gas
Cooling: Central Air
Fireplaces: —
Exterior: Concrete, Vinyl Siding
Fronting on: —
Cross street: Main St and Water St
Stories: 1
Utilities: —
Laundry: Ensuite
Interior: On Demand Water Heater, Water Heater Owned
Parking features: —

Additional listing data

ListAOR: Kingston & Area Real Estate Association

Rooms

Room details

Seller signals

Price movement & seller pressure

Motivated SellerWhy this label

122 days on market — Listing has been active for 122 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.

Property history

Sales History

NEW

Location details

Comparable sales

Neighbourhood SOLDs

Neighbourhood stats

Brokered by: REVEL REALTY INC., BROKERAGE

Source: TRREB/PROPTX · MLS® X13165724

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$495K

Unit 14 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $495,000✓ $6,214 tax✓ Gas✓ 1400-1599 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,828/mo

incl. closing costs (yr 1)

Annual total

$57,939

year 1

Mortgage only

$1,878/mo

principal + interest

Beyond mortgage

$1,961/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$99,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$518/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,500 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%$4,950/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)$50/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$6,375

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)39% $22,535/yr

Property taxes22% $12,589/yr

Utilities7% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance9% $4,950/yr

Condo fees12% $7,205/yr

Closing costs9% $5,100/yr

Mortgage is 39% of your true cost of ownership. The other 61% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$22,535	$1,878/mo
Government & taxes
Property tax	$6,214	$518/mo
Land transfer tax(closing)	$6,375	$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%)	$4,950	$413/mo
Condo fees
Condo / HOA fees	$7,205	$600/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	$57,939	$4,828/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 14

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