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$499K · 2 bed Condo Apartment · Unit 316, ISLAND HARBOUR CLUB CONDOMINIUMS, 130 WATER Street, Gananoque, Ontario K7G 0A8 | HomeSearchCanada

$499,000

Unit 316

90 DOM

2290d

Map

DOM 90

Motivated SellerWaterfront

$499,000

Motivated Seller

DOM90days

Unit 316

ISLAND HARBOUR CLUB CONDOMINIUMS · 130 WATER Street · Gananoque · Ontario K7G 0A8

MLS® X13485910 · 05 - Gananoque · K7G 0A8

22TenantOccupied1400-1599 ft²Condo Apartment1-car UndergroundNo basement90d$333/ft²$6,285 tax/yrNo basement

90 days on market

About this home

Are you searching for a maintenance free home, or an Investor looking for a fabulous year round rental? Look no further! This spacious 1400+ square foot 2 bedroom / 2 full bath is located on the shores of the St. Lawrence River in the heart of the Thousand Islands. Equipped with afront & back patio with river views on both sides, as well as from your living/dining room. Carpet free throughout, with plenty of storage. 2nd bedroom can be used as a den/office. This building boasts secured entrances…

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Property details

MLS#: X13485910
Status: Buy Now
Property class: Residential Condo & Other
Beds: 2
Baths: 2 full, 0 half
Rooms: 7
Kitchens: 1
Size: 1400-1599Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: None
Style: Apartment
Type: Condo Apartment
Year built: —Year built not on MLS feed (often MPAC-only on broker systems)

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

Roof: Tar and Gravel
Foundation: Concrete
Property features: Beach, Golf, Marina, Park, Place Of Worship, River/Stream

Fireplaces: 1
Fireplace features: Natural Gas

View: River

Waterfront: Yes
Water view: Partially Obstructive
Water body: St. Lawrence River

Building name: ISLAND HARBOUR CLUB CONDOMINIUMS
Condo corp #: 45
Balcony: Juliette
Locker: None
Association amenities: Elevator
Fees include: Common Elements Included, Building Insurance Included
Pets: Yes-with Restrictions

Garage: 1-car Underground
Garage spaces: 1
Parking: 1 total
Heating: Radiant
Heating fuel: Other
Cooling: Central Air
Exterior: Concrete, Hardboard · Patio
Fronting on: —
Cross street: WATER STREET AND MARKET STREET
Stories: 3
Utilities: —
Laundry: Ensuite
Laundry level: Main Level
Interior: Air Exchanger, Auto Garage Door Remote, Carpet Free, Primary Bedroom - Main Floor, Water Heater Owned
Parking features: Underground

Additional listing data

ListAOR: Kingston & Area Real Estate Association

Rooms

Room details

Seller signals

Price movement & seller pressure

Motivated SellerWhy this label

90 days on market — Listing has been active for 90 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: RE/MAX FINEST REALTY INC., BROKERAGE

Source: TRREB/PROPTX · MLS® X13485910

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$499K

Unit 316 · Bryon Bertrim

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $499,000✓ $6,285 tax✓ Other✓ 1400-1599 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,859/mo

incl. closing costs (yr 1)

Annual total

$58,312

year 1

Mortgage only

$1,893/mo

principal + interest

Beyond mortgage

$1,970/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$99,800

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$524/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,500 ft² · ON avg ~$75/mo · assumes gas heat

Other$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%$4,990/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$6,455

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)39% $22,717/yr

Property taxes22% $12,740/yr

Utilities7% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance9% $4,990/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)	$22,717	$1,893/mo
Government & taxes
Property tax	$6,285	$524/mo
Land transfer tax(closing)	$6,455	$538/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Other	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$4,990	$416/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	$58,312	$4,859/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 316

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