$400K · 2 bed Condo Apartment · 451 - Downtown, St. Catharines

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About this home

Penthouse-Style Living in the Heart of Downtown St. Catharines! Welcome to Wellington Residences, a stylish 28-unit boutique building designed for those who want to live at the centre of it all. Perched on the top (4th) floor, this bright and beautifully finished 2-bedroom, 2-bath condo delivers the perfect blend of comfort, design, and urban convenience. Step inside to an open-concept layout featuring engineered hardwood floors, soaring ceilings, and natural light throughout. The sleek, designe…

Property details

MLS#

X12929028

Status

Buy Now

Beds

Baths

2 full, 0 half

Size

1000-1199

Style

Apartment

Type

Condo Apartment

Year built

—

Foundation: Poured Concrete
Property features: Arts Centre, Rec./Commun.Centre, Public Transit, Place Of Worship, Park, Library

Condo corp #: 238
Balcony: Enclosed
Locker: Owned
Association amenities: Communal Waterfront Area, Elevator, Game Room, Exercise Room, Gym, Party Room/Meeting Room
Fees include: Water Included, Common Elements Included, Building Insurance Included, Parking Included
Pets: Yes-with Restrictions

Garage: 1-car None
Garage spaces: 1
Parking: 1 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Concrete, Brick Front · Landscape Lighting, Paved Yard, Year Round Living
Fronting on: —
Cross street: Lake St
Basement: Other
Stories: 4
Utilities: —
Laundry: In-Suite Laundry
Interior: Carpet Free, Countertop Range, Intercom, Storage, Storage Area Lockers, Water Heater
Parking features: Private

Level	Room	Dimensions
Flat	Living Room	2.94m × 4.62m
Main	Bedroom	4.08m × 3.65m
Main	Bedroom 2	3.3m × 3.04m
Main	Laundry	1.67m × 3.04m
Main	Kitchen	3.5m × 3.53m
Main	Other	2.13m × 3.35m
Main	Bathroom	1.87m × 3m
Main	Bathroom	1.2m × 2m

Level

Room

Dimensions

Flat

Living Room

2.94m × 4.62m

Main

Bedroom

4.08m × 3.65m

Main

Bedroom 2

3.3m × 3.04m

Main

Laundry

1.67m × 3.04m

Main

Kitchen

3.5m × 3.53m

Main

Other

2.13m × 3.35m

Main

Bathroom

1.87m × 3m

Main

Bathroom

1.2m × 2m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $399,900✓ $3,710 tax✓ Gas✓ 1000-1199 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,107/mo

incl. closing costs (yr 1)

Annual total

$49,285

year 1

Mortgage only

$1,517/mo

principal + interest

Beyond mortgage

$1,759/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$79,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$309/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,100 ft² · ON avg ~$75/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%$3,999/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)$57/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$4,474

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)37% $18,205/yr

Property taxes17% $8,184/yr

Utilities8% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance8% $3,999/yr

Condo fees17% $8,237/yr

Closing costs10% $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)	$18,205	$1,517/mo
Government & taxes
Property tax	$3,710	$309/mo
Land transfer tax(closing)	$4,474	$373/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$3,999	$333/mo
Condo fees
Condo / HOA fees	$8,237	$686/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	$49,285	$4,107/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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