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$316K · 2 bed Condo Apartment · 446 - Fairview, St. Catharines | MyPropertyScout

$315,900

Unit 1004

21Vacant

Map

⚡ Insider Deal

Estate Sale

$315,900

F●●●○○

Unit 1004

359 Geneva Street · St. Catharines · Ontario L2N 2G5

MLS® X12729214 · 446 - Fairview · L2N 2G5

21Vacant900-999 ft²Condo ApartmentNone$333/ft²$2,148 tax/yr

32% above market

Scoring based on Property Scout Neighbourhood Intelligence — use as guidance only, sometimes it's not so intelligent 👍

About this home

This large penthouse corner unit offers wide lake views and an abundance of natural light throughout. Featuring 2 nice sized bedrooms and 1 bathroom, the suite has been freshly painted and updated with new flooring and modern light fixtures. Bright and spacious, the layout includes a walk-in closet, tons of storage, and an airy open feel that's hard to find. Located in an amazing, highly convenient area close to shopping, QEW access, and major bus routes. A fantastic opportunity you don't want t…

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Property details

MLS#: X12729214
Status: Buy Now
Beds: 2
Baths: 1 full, 0 half
Size: 900-999
Style: Apartment
Type: Condo Apartment
Year built: —

Condo corp #: 105
Balcony: Open
Locker: None
Fees include: Heat Included, Common Elements Included, Building Insurance Included, Water Included, Parking Included
Pets: Yes-with Restrictions

Garage: None
Garage spaces: 0
Parking: 1 total
Heating: Radiant
Heating fuel: Electric
Cooling: Window Unit(s)
Fireplaces: —
Waterfront: No
Exterior: Concrete
Fronting on: —
Cross street: Geneva & Scott
Basement: None
Stories: 10
Utilities: —
Laundry: Coin Operated
Interior: Carpet Free, Storage
Parking features: Unreserved

Rooms

Level	Room	Dimensions
Main	Living Room	3.53m × 5.51m
Main	Dining Room	2.36m × 2.46m
Main	Kitchen	2.36m × 2.57m
Main	Foyer	1.55m × 1.93m
Main	Other	1.93m × 4.55m
Main	Primary Bedroom	3.35m × 4.9m
Main	Bedroom	2.92m × 4.42m
Main	Bathroom	—

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: RE/MAX ESCARPMENT REALTY INC.

Source: TRREB/PROPTX · MLS® X12729214

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$316K

Unit 1004 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $315,900✓ $2,148 tax✓ Electric✓ 900-999 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,278/mo

incl. closing costs (yr 1)

Annual total

$39,337

year 1

Mortgage only

$1,198/mo

principal + interest

Beyond mortgage

$1,354/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$63,180

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$179/mo

Utilities

Hydro / electricity$75/mo

≈ $0.13/ft² × ~950 ft² · incl. electric heat

Heat$0/mo

Electric heat — no gas service · see hydro

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%$3,159/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)$51/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$3,214

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)37% $14,381/yr

Property taxes14% $5,362/yr

Utilities6% $2,460/yr

Insurance & security4% $1,600/yr

Maintenance8% $3,159/yr

Condo fees18% $7,276/yr

Closing costs13% $5,100/yr

Mortgage is 37% of your true cost of ownership. The other 63% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$14,381	$1,198/mo
Government & taxes
Property tax	$2,148	$179/mo
Land transfer tax(closing)	$3,214	$268/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$3,159	$263/mo
Condo fees
Condo / HOA fees	$7,276	$606/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	$39,337	$3,278/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 1004

About this home

MyStreetValue™ Analysis

Property details

Rooms

Sales History

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Annual costs