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$899K · 4 bed Detached · 453 - Grapeview, St. Catharines | MyPropertyScout

$899,000

190 FIRST STREET LOUTH Street

96 DOM

4396d

Map

⚡ Insider Deal

DOM 96

↓ $40KMotivated SellerPrice Reduced

$899,000

↓ $40KMotivated Seller

DOM96days

190 FIRST STREET LOUTH Street

St. Catharines · Ontario L2S 0A6

MLS® X12940976 · 453 - Grapeview · L2S 0A6

43TenantOccupied2000-2500 ft²DetachedNoneCrawl Space, Partial Basement, Walk-Out96d$400/ft²Lot 80.2 x 98 ft$5,682 tax/yrBuilt 195175 yrs oldCrawl Space, Partial Basement, Walk-Out

96 days on market

About this home

This is the home you've been searching for. An exceptional sprawling bungalow featuring two fully separate main-floor living spaces (separate entrances!) - perfect for multigenerational living or side income. Well-appointed and loaded with thoughtful updates throughout. The primary unit offers 2 bedrooms plus a dedicated office, highlighted by a bright country kitchen that overlooks your private deck. The second 1-bedroom suite is warm and inviting, must be the open-concept kitchen and a cozy fi…

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Property details

MLS#: X12940976
Status: Conditionally Sold
Property class: Residential Freehold
Beds: 4
Baths: 3 full, 0 half
Rooms: 7
Kitchens: 2
Size: 2000-2500Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: Crawl Space, Partial Basement, Walk-Out
Style: Bungalow
Type: Detached
Year built: 1951

PIN: 461530077
Roll / ARN: 262904004109301

Occupancy: Tenant Occupied
Washrooms: 3 pc · Main; 4 pc · Main
Family room: Family room
Central vacuum: No
Ensuite laundry: No

Roof: Asphalt Shingle
Foundation: Poured Concrete

Fireplaces: 2
Fireplace features: Wood, Natural Gas

Garage: None
Garage spaces: 0
Parking: 6 total
Lot: 80.15 × 98
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Pool: No
Waterfront: No
Exterior: Brick
Fronting on: East
Cross street: FOURTH AVENUE
Stories: —
Utilities: —
Laundry: —
Interior: Guest Accommodations, In-Law Suite, In-Law Capability, Primary Bedroom - Main Floor
Parking features: —

Rooms

Room dimensions are not available for this listing.

Seller signals

Price movement & seller pressure

↓ $40KPrice reduction

MLS shows the seller reduced the asking price by $40,000 (from $939,000 to $899,000).

Motivated SellerWhy this label

96 days on market — Listing has been active for 96 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

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Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: RE/MAX GARDEN CITY UPHOUSE REALTY

Source: TRREB/PROPTX · MLS® X12940976

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$899K

190 FIRST STREET LOUTH Street · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $899,000✓ $5,682 tax✓ Gas✓ 2000-2500 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$6,809/mo

incl. closing costs (yr 1)

Annual total

$81,703

year 1

Mortgage only

$3,411/mo

principal + interest

Beyond mortgage

$1,735/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$179,800

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$473/mo

Utilities

Hydro / electricity$158/mo

≈ $0.07/ft² × ~2,250 ft² · ON avg ~$158/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%$8,990/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$14,455

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)50% $40,926/yr

Property taxes25% $20,137/yr

Utilities6% $4,950/yr

Insurance & security2% $1,600/yr

Maintenance11% $8,990/yr

Closing costs6% $5,100/yr

Mortgage is 50% of your true cost of ownership. The other 50% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$40,926	$3,411/mo
Government & taxes
Property tax	$5,682	$473/mo
Land transfer tax(closing)	$14,455	$1,205/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$1,890	$158/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$8,990	$749/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	$81,703	$6,809/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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190 FIRST STREET LOUTH Street

About this home

MyStreetValue™ Analysis

Property details

Rooms

Price movement & seller pressure

Sales History

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Annual costs