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$500K · 1 bed Condo Apartment · 459 - Ridley, St. Catharines | MyPropertyScout

$499,900

Unit 505

12TenantOccupied

Map

$499,900

A●●●○○

Unit 505

300B Fourth Avenue · St. Catharines · Ontario L2S 0E6

MLS® X12933018 · 459 - Ridley · L2S 0E6

12TenantOccupied1000-1199 ft²Condo Apartment1-car Underground$455/ft²$4,592 tax/yr

12% below market

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

About this home

LUXURIOUS CONDO LIVING PERFECT FOR THE BUSY PROFESSIONALS AND OR RETIREMENT! EXCELLENT CONVENIENT LOCATION IN HIGHLY SOUGHT AFTER WEST ST. CATHARINES RIDLEY HEIGHTS. MODERN OPEN CONCEPT DESIGN WITH A BALCONY ON THE 5TH FLOOR & PANORAMIC VIEWS OF THE CITY, OFFERS GREAT PRIVACY, UPGRADED EXTRA POT LIGHTENING THROUGHOUT, GOURMET KITCHEN & APPLIANCES INCLUDED, 2 BATHROOMS, IN-SUITE LAUNDRY ROOM IS A BONUS, GRAND SPACIOUS BEDROOM WITH WALK-IN CLOSET & 4PC. SPA-LIKE ENSUITE. ADDITIONAL CONDO AMENITIE…

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Property details

MLS#: X12933018
Status: Buy Now
Beds: 1
Baths: 2 full, 0 half
Size: 1000-1199
Style: 1 Storey/Apt
Type: Condo Apartment
Year built: —

Condo corp #: 307
Balcony: Open
Locker: None
Fees include: Building Insurance Included, Water Included, Common Elements Included
Pets: Yes-with Restrictions

Garage: 1-car Underground
Garage spaces: 1
Parking: 1 total
Heating: Other
Heating fuel: Other
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Other
Fronting on: —
Cross street: FIRST STREET LOUTH
Basement: Other
Stories: 5
Utilities: —
Laundry: In-Suite Laundry
Interior: Carpet Free, Auto Garage Door Remote
Parking features: —

Rooms

Level	Room	Dimensions
Flat	Living Room	15.08m × 19.08m
Flat	Kitchen	10.06m × 14m
Flat	Foyer	6.03m × 8.06m
Flat	Bathroom	6m × 8m
Flat	Bedroom	12.1m × 20m
Flat	Bathroom	7m × 12.1m

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: RE/MAX NIAGARA REALTY LTD, BROKERAGE

Source: TRREB/PROPTX · MLS® X12933018

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$500K

Unit 505 · Bryon Bertrim

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $499,900✓ $4,592 tax✓ Other✓ 1000-1199 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,774/mo

incl. closing costs (yr 1)

Annual total

$57,283

year 1

Mortgage only

$1,896/mo

principal + interest

Beyond mortgage

$1,879/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$99,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$383/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,100 ft² · ON avg ~$75/mo · assumes gas heat

Other$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%$4,999/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)$54/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$6,473

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)40% $22,758/yr

Property taxes19% $11,065/yr

Utilities7% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance9% $4,999/yr

Condo fees14% $7,802/yr

Closing costs9% $5,100/yr

Mortgage is 40% of your true cost of ownership. The other 60% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$22,758	$1,896/mo
Government & taxes
Property tax	$4,592	$383/mo
Land transfer tax(closing)	$6,473	$539/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Other	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$4,999	$417/mo
Condo fees
Condo / HOA fees	$7,802	$650/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	$57,283	$4,774/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 505

About this home

MyStreetValue™ Analysis

Property details

Rooms

Sales History

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Annual costs