$559,500
Est. payment $2,477/moCalculate yours
130 Water Street 409, Gananoque, ON K7G 0A8
05 - Gananoque, Gananoque, ON K7G 0A8
- 2 Beds
- 2 Baths
- 1 Garage
- 1,000 Sq Ft
Listing courtesy of CENTURY 21 HERITAGE GROUP LTD., BROKERAGE MLS® X13868010
About this home
Perched on the edge of the St. Lawrence with its toes dipping into the water (if buildings had toes), is the Island Harbour Club; one of Gananoque’s prettiest waterfront addresses. It’s a smartly designed 58-unit building, built in 2020, and this suite might be the best seat in the house. The centre of this 4th floor unit is a balcony almost 30 feet long. That’s the length of a school bus. It faces south-east, so you get front-row seats every morning as the sun comes up over the St Lawrence. Coffee tastes better out here; that’s a fact. There is the wall of windows looking out over that same balcony. From there the list keeps going - Primary bedroom with built-in IKEA wardrobes and a walk-in closet, so there’s room for yourclothes and your partner’s. Touch free electronic bidets. Dry bar / coffee counter that gives the big appliances their own spot, so your kitchen counters stay clear. Custom door screens and blinds tucked away out of sight until you need them, keeping the view front and centre. And someone else that handles the snow shovel.The second “bedroom” is really a den/office that comes with a queen Murphy bed. An ideal spot for short visits.The Gananoque Municipal Marina and docks are a couple of minutes away “by flip-flop.” Cruise through the natural wonder of the Thousand Islands by boat. Jump on your bike and ride the trail to Ivy Lea. Walk to the Thousand Islands Playhouse, museums, and restaurants or listen to summer music festivals, best enjoyed with an umbrella drink in a cushioned chair on your very own balcony. Live here all year, or just for the season - the balcony, the marina and the view that is ever changing come with it either way.The photos and virtual tour tell the rest of the story, but some places are better felt than read about. My story ends here; but yours could start with a sunrise, a sense of awe, and a place to call home. Come and see it for yourself.Gananoque is pronounced: Gan - an - NAH - kway (meaning - water rising over rock)
Property details
Overview
- Property Type
- Condo Apartment
- Style
- Apartment
- For
- For Sale
- Status
- New
- Size
- 1,000 sqft
Interior
- Bedrooms
- 2
- Bathrooms
- 2
- Kitchens
- 1
- Basement
- None
Building & Systems
- Heating
- Forced Air (Gas)
- Cooling
- Central Air
- Exterior
- Brick, Vinyl Siding
- Foundation
- Insulated Concrete Form
- Roof
- Membrane
Lot & Parking
- Parking
- Underground garage · 1 total
Financial
- Property Taxes
- $6,190 (2026)
- Condo Fee
- $540/mo
- Fee Includes
- Common Elements Included, Building Insurance Included, Parking Included
- Pets
- Yes-with Restrictions
Location
- Neighbourhood
- 05 - Gananoque
- Cross Street
- Market St
Listing
- MLS® Number
- X13868010
- Days on Market
- 12
- Listed On
- 2026-10-06
- Possession
- Flexible
- Listed By
- CENTURY 21 HERITAGE GROUP LTD., BROKERAGE
Rooms
Features
Interior
- Air Exchanger
- Carpet Free
- Intercom
- On Demand Water Heater
- Water Heater Owned
- Water Softener
- Water Treatment
Property
- Arts Centre
- Beach
- Clear View
- Golf
- Lake Access
- Library
Amenities
- BBQs Allowed
- Bike Storage
- Elevator
- Included
- Fridge, stove, dishwasher, built in microwave, washer, dryer, water softener, drinking water reverse osmosis equipment, 2 built in Ikea wardrobes in primary bedroom, screen doors, all existing window coverings, 3 bar stools, murphy bed in den, gas BBQ.
- Excluded
- Wall mounted TV and mounts (seller will repair wall holes)
- Rental items
- None
Mortgage calculator
Estimated mortgage payment
$2,477 per month
- Principal and interest
- $2,477
- Property tax
- $516
- Condo fees
- $540
- Estimated monthly cost
- $3,533
Your mortgage
- Mortgage amount
- $447,600
- Mortgage insurance
- Not needed
- Interest over 25 years
- $295,603
Cash to close
- Down payment
- $111,900
- Land transfer tax
- $7,665
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $119,565
With less than 20% down, a 30-year amortization is available to first-time buyers and buyers of newly built homes.
Talk to me about financingEstimates only, not a mortgage offer or financial advice. Uses the Canadian fixed-rate convention (interest compounded twice a year), 2026 mortgage insurance premiums and Ontario land transfer tax. Your lender will confirm your actual rate and payment.
Location
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