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$490K · 3 bed Detached · 451 - Downtown, St. Catharines | MyPropertyScout

$489,900

78 RUSSELL Avenue

88 DOM

3288d

Map

DOM 88

↓ $10K

$489,900

↓ $10K

DOM88days

78 RUSSELL Avenue

St. Catharines · Ontario L2R 1V7

MLS® X12973706 · 451 - Downtown · L2R 1V7

32OwnerOccupied1100-1500 ft²DetachedNoneFull, Finished88d$377/ft²Lot 32 x 100 ft< .50 ac$2,659 tax/yrBuilt 1916110 yrs oldFull, Finished

88 days on market

About this home

Welcome to 78 Russell Avenue! Located in the heart of St. Catharines, this attractive 2-storey home offers both comfort and convenience. As we walk up the steps, notice the spacious porch! Step inside to a bright and inviting living room, where the pot lights create a cozy and relaxing ambiance. Attractive laminate flooring runs throughout the home, offering both style and easy maintenance; perfect for kids and pets.The generous dining area provides ample space for family dinners and gatherings,…

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MyStreetValue™ Analysis

$347,036 – $655,583estimated range

Midpoint: $524,472

Property details

MLS#: X12973706
Status: Buy Now
Property class: Residential Freehold
Beds: 3
Baths: 2 full, 0 half
Rooms: 3 + 2
Kitchens: 1
Size: 1100-1500Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: Full, Finished
Style: 2-Storey
Type: Detached
Year built: 1916

Plan: 145

Occupancy: Owner Occupied
Washrooms: 4 pc · Second; 3 pc · Basement
Family room: No
Central vacuum: No
Ensuite laundry: No

Roof: Asphalt Shingle
Foundation: Concrete Block, Poured Concrete

Fireplaces: 0

Garage: None
Garage spaces: 0
Parking: 2 total
Lot: 32 × 100
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Pool: No
Waterfront: No
Exterior: Vinyl Siding
Fronting on: North
Cross street: BETWEEN LAKE/GENEVA SOUTH QEW
Stories: —
Utilities: —
Laundry: —
Interior: Carpet Free
Parking features: Other

Rooms

Level	Room	Dimensions
Main	Kitchen	3m × 5.1m
Main	Living Room	3.3m × 3.5m
Main	Dining Room	3.3m × 4.8m
Second	Primary Bedroom	2.7m × 5.4m
Second	Bedroom	2.7m × 3.9m
Second	Bedroom 2	3m × 3.2m
Second	Bathroom	1.8m × 2.1m
Basement	Recreation	2.4m × 4.9m
Basement	Bathroom	2.4m × 2.6m
Basement	Laundry	2.1m × 3.2m
Basement	Furnace Room	2.1m × 4m

Seller signals

Price movement & seller pressure

↓ $10KPrice reduction

MLS shows the seller reduced the asking price by $10,000 (from $499,900 to $489,900).

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: ROYAL LEPAGE NRC REALTY

Source: TRREB/PROPTX · MLS® X12973706

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$490K

78 RUSSELL Avenue · Bryon Bertrim

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $489,900✓ $2,659 tax✓ Gas✓ 1100-1500 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,915/mo

incl. closing costs (yr 1)

Annual total

$46,985

year 1

Mortgage only

$1,859/mo

principal + interest

Beyond mortgage

$1,076/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$97,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$222/mo

Utilities

Hydro / electricity$91/mo

≈ $0.07/ft² × ~1,300 ft² · ON avg ~$91/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%$4,899/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$6,273

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)47% $22,302/yr

Property taxes19% $8,932/yr

Utilities9% $4,152/yr

Insurance & security3% $1,600/yr

Maintenance10% $4,899/yr

Closing costs11% $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)	$22,302	$1,859/mo
Government & taxes
Property tax	$2,659	$222/mo
Land transfer tax(closing)	$6,273	$523/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$1,092	$91/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$4,899	$408/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	$46,985	$3,915/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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78 RUSSELL Avenue

About this home

MyStreetValue™ Analysis

Property details

Rooms

Price movement & seller pressure

Sales History

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Annual costs