$520K · 3+2 bed Semi-Detached · 456 - Oakdale, St. Catharines

Loading neighbourhood intel…

About this home

3+2 Bedroom. Well Maintained 4 Level Back-Split Semi-Detached Home Located In Secord Woods area. Upper Level 3 Bedrooms and Full Bath. Newer Carpets. Main Floor Living, Dining, Kitchen and Laundry. Finished 2 Bedrooms Basement with a 2nd Kitchen , 3 Piece Bath and a separate Laundry of it's own. Separate Entrance to the Basewment with an income potential. New Windows (2023), New Washer & Dryers on both Upper & Lower Floors. Freshly Painted. Close To Schools, Shopping And Amenities.Spacious Side…

Property details

MLS#

X12931392

Status

Buy Now

Property class

Residential Freehold

Beds

3+2

Baths

2 full, 0 half

Rooms

8 + 5

Kitchens

Size

700-1100Exact finished sqft not on MLS feed (often MPAC-only on broker systems)

Basement

Finished, Separate Entrance

Style

Backsplit 4

Type

Semi-Detached

Year built

—Year built not on MLS feed (often MPAC-only on broker systems)

PIN: 463330083
Roll / ARN: 262901002714100

Occupancy: Owner Occupied
Washrooms: 3 pc · Second; 3 pc · Basement
Family room: No
Central vacuum: No
Ensuite laundry: No

Roof: Asphalt Shingle
Foundation: Concrete

Garage: None
Garage spaces: 0
Parking: 3 total
Lot: 29.97 × 100
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Pool: No
Waterfront: No
Exterior: Brick
Fronting on: West
Cross street: Hartzel & Lincoln
Stories: —
Utilities: —
Laundry: —
Interior: In-Law Capability, Storage
Parking features: Private Triple

Level	Room	Dimensions
Main	Living Room	3.76m × 4.37m
Main	Dining Room	2.57m × 4.27m
Main	Kitchen	3.05m × 3.3m
Second	Primary Bedroom	3.15m × 3.35m
Second	Bedroom 2	2.27m × 3.12m
Second	Bedroom 3	2.64m × 3.35m
—	—	—
—	—	—

Level

Room

Dimensions

Main

Living Room

3.76m × 4.37m

Main

Dining Room

2.57m × 4.27m

Main

Kitchen

3.05m × 3.3m

Second

Primary Bedroom

3.15m × 3.35m

Second

Bedroom 2

2.27m × 3.12m

Second

Bedroom 3

2.64m × 3.35m

—

Price movement & seller pressure

↓ $20KPrice reduction

MLS shows the seller reduced the asking price by $20,000 (from $539,500 to $519,500).

Motivated SellerWhy this label

99 days on market — Listing has been active for 99 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.

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $519,500✓ $3,568 tax✓ Gas✓ 700-1100 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,161/mo

incl. closing costs (yr 1)

Annual total

$49,937

year 1

Mortgage only

$1,971/mo

principal + interest

Beyond mortgage

$1,160/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$103,900

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$297/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~900 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%$5,195/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$6,865

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)47% $23,650/yr

Property taxes21% $10,433/yr

Utilities8% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance10% $5,195/yr

Closing costs10% $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)	$23,650	$1,971/mo
Government & taxes
Property tax	$3,568	$297/mo
Land transfer tax(closing)	$6,865	$572/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%)	$5,195	$433/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	$49,937	$4,161/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.

Unlock Insider Deals

Sign in

14 Canterbury Drive

About this home

MyStreetValue™ Analysis

Property details

Rooms

Price movement & seller pressure

Sales History

Request a Showing

Request a Showing

Annual costs