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$615K · 4 bed Detached · 458 - Western Hill, St. Catharines | MyPropertyScout

$615,000

9 Valley Road

114 DOM

42114d

Map

DOM 114

Motivated Seller

$615,000

Motivated Seller

DOM114days

9 Valley Road

St. Catharines · Ontario L2S 1Y7

MLS® X12879108 · 458 - Western Hill · L2S 1Y7

42OwnerOccupied1500-2000 ft²Detached1-car AttachedFinished with Walk-Out, Full, Separate Entrance114d$351/ft²Lot 63.6 x 120.6 ft$5,003 tax/yrBuilt 198541 yrs oldFinished with Walk-Out, Full, Separate Entrance

114 days on market

About this home

Charming 3+1 bedroom home with room to grow. Hardwood floors on the main level. Two full kitchens and two full baths - ideal for an in-law suite or rental income. Quiet neighborhood with shopping and excellent schools within walking distance. Single-car garage and large driveway. Great opportunity to own or invest - come see it today.

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Property details

MLS#: X12879108
Status: Buy Now
Property class: Residential Freehold
Beds: 4
Baths: 2 full, 0 half
Rooms: 13
Kitchens: 2
Size: 1500-2000Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: Finished with Walk-Out, Full, Separate Entrance
Style: Bungalow-Raised
Type: Detached
Year built: 1985

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

Roof: Asphalt Shingle
Foundation: Poured Concrete
Property features: Fenced Yard, Hospital, Park, Place Of Worship, Public Transit, School

Fireplaces: 1
Fireplace features: Wood

Garage: 1-car Attached
Garage spaces: 1
Parking: 4 total
Lot: 63.64 × 120.57
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Pool: No
Waterfront: No
Exterior: Aluminum Siding, Brick · Deck
Fronting on: South
Cross street: Louth Street
Stories: —
Utilities: —
Laundry: —
Interior: In-Law Capability, Primary Bedroom - Main Floor, Water Heater Owned
Parking features: Front Yard Parking

Rooms

Level	Room	Dimensions
Main	Kitchen	3.71m × 4.04m
Main	Living Room	7.32m × 4.75m
Main	Foyer	2.13m × 4.04m
Main	Primary Bedroom	4.27m × 3.4m
Main	Bedroom 2	3.02m × 3.71m
Main	Bedroom 3	2.64m × 2.9m
Main	Bathroom	1.73m × 3.35m
Lower	Recreation	3.96m × 7.62m
Lower	Kitchen	3.66m × 4.65m
Lower	Bathroom	3.66m × 4.65m
Lower	Laundry	2.97m × 2.64m
Lower	Bedroom 4	3.66m × 4.27m

Seller signals

Price movement & seller pressure

Motivated SellerWhy this label

114 days on market — Listing has been active for 114 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

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: REALTY NETWORK

Source: TRREB/PROPTX · MLS® X12879108

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$615K

9 Valley Road · Bryon Bertrim

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $615,000✓ $5,003 tax✓ Gas✓ 1500-2000 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,930/mo

incl. closing costs (yr 1)

Annual total

$59,155

year 1

Mortgage only

$2,333/mo

principal + interest

Beyond mortgage

$1,407/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$123,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$417/mo

Utilities

Hydro / electricity$123/mo

≈ $0.07/ft² × ~1,750 ft² · ON avg ~$123/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%$6,150/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

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$8,775

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)47% $27,997/yr

Property taxes23% $13,778/yr

Utilities8% $4,530/yr

Insurance & security3% $1,600/yr

Maintenance10% $6,150/yr

Closing costs9% $5,100/yr

Mortgage is 47% of your true cost of ownership. The other 53% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$27,997	$2,333/mo
Government & taxes
Property tax	$5,003	$417/mo
Land transfer tax(closing)	$8,775	$731/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$1,470	$123/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$6,150	$513/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	$59,155	$4,930/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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9 Valley Road

About this home

MyStreetValue™ Analysis

Property details

Rooms

Price movement & seller pressure

Sales History

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Annual costs