Homula Realty Brokerage
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130 Water Street 403, Gananoque, ON K7G 0A8

2 beds · 2 baths · 1 kitchen · 11 rooms · 1 parking space · 1200-1399 sq ft · No locker · Laundry in unit · Condo Apartment
$779,900

Also includedCommon Elements · Parking · Building Insurance

Maintenance fee
$600 / month
Property tax
$6,694 / year
Included in the fee
Common Elements, Parking, Building Insurance

Gorgeous river views and sunsets await you in this magnificent top floor Condo situated at the pet friendly Island Harbour Club on the shores of the St Lawrence River in beautiful GANANOQUE. This bright and spacious Condo unit has many extras and features 2 bedrooms, 2 bathrooms and all the modern finishes and features you would expect in a new Condo including open concept living, quartz countertops, in-floor heating and gas fireplace. You will love the indoor parking space (EV) and close proximity to local shopping, pubs, marinas , walking trails and entertainment. Call today to book your personal showing.

MLS number
X12613458
Type
Condo Apartment
Status
Active
Bedrooms
2
Bathrooms
2
Postal code
K7G 0A8
Photos
43
Locker
No
Laundry
In the unit — In-Suite Laundry
Included in the fee
Common Elements, Parking, Building Insurance
278days · this listing
Total days on market across every earlier listing of this propertyRegistration and sign-in required

This listing’s own days on market are shown above. How long the property has been for sale across every earlier listing is drawn from records the board releases only to registered users — a free account opens it, along with the sale history below.

Listing history

This address has been listed 3 times.

Sale history is for registered usersSee what this address sold for and when, across all 3 listings. Free account — the board’s rules require one before sold data can be shown.Create a free account

Where this property is

Where this address sits, matched against open government data.

Estimated from the house-number range along this road: the right block of the right street, not the exact building. No address file publishes this house.

Schools

The school boundaries this address is inside, and the schools nearest it. Boards redraw boundaries and cap programs — confirm with the board before this affects a decision.

Other schools nearby

By distance from this address, not school boundary — a school 400 m away can be in another school’s attendance area.

SchoolLevelDistanceRating
Linklater Public School
Upper Canada DSB
Elementary911 m7.5 / 10
75% met the standard
Gananoque Secondary School
Upper Canada DSB
Secondary894 m7.8 / 10
78% met the standard · 2 of 6 measures
Gananoque Intermediate School
Upper Canada DSB
Elementary918 mNot reported
St Joseph's Separate School
CDSB of Eastern Ontario
Elementary1.2 km8.2 / 10
82% met the standard
How the rating is calculated

EQAO — Ontario’s testing agency — publishes, for each school, the percentage of students meeting the provincial standard in Grade 3 and Grade 6 reading, writing and mathematics. The rating is the average of those percentages divided by ten. A school where 72% of students met the standard rates 7.2 out of 10.

Nothing is weighted or adjusted, and schools are not ranked against each other. Where EQAO withholds a result to protect the privacy of a small group of students, that measure is left out rather than counted as zero — so a rating built on fewer than six measures says so.

What it does not measure. It is one year of standardised testing in three subjects. It says nothing about teaching, programs, or whether a school suits a particular child, and it tracks neighbourhood household income closely enough that it partly measures the neighbourhood rather than the school. Treat it as one figure among many.

Source: Ontario Ministry of Education, School Information and Student Demographics (2024–25), Open Government Licence – Ontario.

H-Value

our estimate of this home is for registered usersWhat comparable homes nearby actually sold for, worked into an estimate for this one — with the range it sits in and how far the method has been off in testing.Create a free accountAlready have one? Sign in.

What an H-Value is and how it is calculated — the method and our measured error, no account needed.

This neighbourhood

Statistics Canada 2021 Census, for the surrounding few blocks — about 591 people.

$78,000Median household income
71.9%Own their home
66.1%Detached houses
57.6Median age
5.7%Born outside Canada
22.6%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35070310 — the few blocks around this address, home to 591 people. It describes the area, not this property.

591Population
52.5Average age
2.1Household size
$105,000Average household income
$78,000Median household income
72%Own their home
28%Rent
19%Condominiums
6%Born outside Canada
23%University degree
$492,000Average home value
5%Low income
16%Never married
$20,000 to $24,9993%
$25,000 to $29,9991%
$30,000 to $34,9994%
$35,000 to $39,9993%
$40,000 to $44,9994%
$45,000 to $49,9994%
$50,000 to $59,9998%
$60,000 to $69,9999%
$70,000 to $79,9995%
$80,000 to $89,9994%
$90,000 to $99,9996%
$100,000 and over26%
$100,000 to $124,9996%
$125,000 to $149,9996%
$150,000 to $199,9998%
$200,000 and over4%

Percentages are of the 390 responses in this category. Statistics Canada rounds counts and withholds small ones to keep individuals unidentifiable, so categories with too few people to publish are absent rather than shown as zero.

Source: Statistics Canada, 2021 Census of Population. Contains information licensed under the Open Government Licence – Canada.

Work out the numbers

Everything below is calculated in your browser from figures you can change. Nothing is sent anywhere.

$155,980 · minimum here is $52,990
$3,453.23per month
Borrowed before insurance$623,920
Total borrowed$623,920
Interest over 25 years at 4.5%$412,049

If you rented it out

-$4,611.06per month out of pocket
Rent$0.00
Everything it costs to hold$4,611.06
How this is calculated, and what it leaves out

Canadian fixed-rate mortgages compound semi-annually, not monthly, so the monthly rate here is (1 + rate/2)1/6 − 1. Most calculators use rate ÷ 12, which is the American convention and overstates the payment by tens of dollars a month.

Below 20% down, default insurance is mandatory and is added to the loan rather than paid at closing: 2.80% at 85% loan-to-value, 3.10% at 90%, 4.00% at 95%. It is unavailable at or above $1.5M, which is why 20% is a hard floor there.

Not included: vacancy, property management, capital repairs, income tax, and the fact that a lender qualifies you at a stress-test rate rather than the one you are quoted. This is arithmetic on the numbers above, not a mortgage approval or an opinion of what you can afford.

Listed by BICKERTON BROKERS REAL ESTATE LIMITED, BROKERAGE. Listing data provided by the Toronto Regional Real Estate Board.