$473K · 3 bed Detached · 458 - Western Hill, St. Catharines

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About this home

Spring is here and this home has all the outdoor space you need to make your garden, patio, pool, or garage dreams a reality! With room for the whole family both inside and outside you have everything you need to make this home your own. Offering three well sized bedrooms, bathroom, kitchen, living, breakfast and foyer on the main floor with a family room, laundry and extra space downstairs. Get in now and line up your summer to do list on this springtime stunner! Or see the potential with this…

Property details

MLS#

X12981098

Status

Buy Now

Property class

Residential Freehold

Beds

Baths

1 full, 0 half

Rooms

8 + 3

Kitchens

Size

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

Basement

Finished

Style

Bungalow-Raised

Type

Detached

Year built

1951

PIN: 461730029
Roll / ARN: 262902003216500

Occupancy: Vacant
Washrooms: 4 pc
Family room: Family room
Central vacuum: No
Ensuite laundry: No
Special designation: Other, Unknown

Roof: Asphalt Shingle
Foundation: Concrete Block

Garage: None
Garage spaces: 0
Parking: 4 total
Lot: 52.5 × 105
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Pool: No
Waterfront: No
Exterior: Brick, Vinyl Siding
Fronting on: South
Cross street: Pelham/Glendale
Stories: —
Utilities: —
Laundry: —
Interior: None
Parking features: Private Double

Level	Room	Dimensions
Main	Kitchen	3.68m × 3.47m
Main	Living Room	5.05m × 3.53m
Main	Primary Bedroom	3.32m × 3.5m
Main	Bedroom 2	2.92m × 3.44m
Main	Bedroom 3	3.32m × 3.5m
Main	Bathroom	1m × 1m
Main	Breakfast	2.95m × 2.34m
Main	Foyer	1.21m × 2.31m

Level

Room

Dimensions

Main

Kitchen

3.68m × 3.47m

Main

Living Room

5.05m × 3.53m

Main

Primary Bedroom

3.32m × 3.5m

Main

Bedroom 2

2.92m × 3.44m

Main

Bedroom 3

3.32m × 3.5m

Main

Bathroom

1m × 1m

Main

Breakfast

2.95m × 2.34m

Main

Foyer

1.21m × 2.31m

Price movement & seller pressure

↓ $28KPrice reduction

MLS shows the seller reduced the asking price by $27,500 (from $500,000 to $472,500).

Motivated SellerWhy this label

Power of sale — Power-of-sale (or court-ordered) listing with 86 days on market.

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✓ $472,500✓ $3,268 tax✓ Gas✓ 700-1100 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,841/mo

incl. closing costs (yr 1)

Annual total

$46,088

year 1

Mortgage only

$1,793/mo

principal + interest

Beyond mortgage

$1,096/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$94,500

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$272/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%$4,725/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$5,925

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)47% $21,510/yr

Property taxes20% $9,193/yr

Utilities9% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance10% $4,725/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)	$21,510	$1,793/mo
Government & taxes
Property tax	$3,268	$272/mo
Land transfer tax(closing)	$5,925	$494/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%)	$4,725	$394/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	$46,088	$3,841/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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15 Vera Street

About this home

MyStreetValue™ Analysis

Property details

Rooms

Price movement & seller pressure

Sales History

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Annual costs