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$739K · 3+2 bed Detached · 446 - Fairview, St. Catharines | MyPropertyScout

$739,000

54 Nello Street

76 DOM

3+2376d

Map

DOM 76

↓ $50K

$739,000

↓ $50K

DOM76days

54 Nello Street

St. Catharines · Ontario L2N 1G7

MLS® X13021758 · 446 - Fairview · L2N 1G7

3+23TenantOccupied1500-2000 ft²Detached1-car Built-InApartment76d$422/ft²Lot 50 x 100.2 ft$5,564 tax/yrApartment

76 days on market

About this home

This renovated 5-level side split offers the perfect blend of space, functionality, and income potential. Home is set in a quiet cul du sac, located in family friendly North St. Catharines. The standout feature is the fully self-contained, legal 1-bedroom + den accessory dwelling unit in the basement, above grade windows, complete with its own kitchen, full bathroom, and separate living space-perfect for generating rental income or accommodating extended family. Separately on it's own, this apar…

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Property details

MLS#: X13021758
Status: Buy Now
Property class: Residential Freehold
Beds: 3+2
Baths: 3 full, 0 half
Rooms: 4 + 3
Kitchens: 2
Size: 1500-2000Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: Apartment
Style: Sidesplit 5
Type: Detached
Year built: —Year built not on MLS feed (often MPAC-only on broker systems)

PIN: 462570125
Roll / ARN: 262906000309306

Occupancy: Tenant Occupied
Washrooms: 2 pc · Main; 4 pc · Third; 3 pc · Lower
Family room: Family room
Central vacuum: No
Ensuite laundry: No

Roof: Asphalt Shingle
Foundation: Poured Concrete
Property features: Fenced Yard, Park, Place Of Worship, Public Transit, School

Garage: 1-car Built-In
Garage spaces: 1
Parking: 5 total
Lot: 50 × 100.2
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Pool: No
Waterfront: No
Exterior: Aluminum Siding, Brick
Fronting on: North
Cross street: Vine and Scott
Stories: —
Utilities: —
Laundry: —
Interior: Accessory Apartment, Water Heater
Parking features: Private Double

Additional listing data

ListAOR: Toronto Regional Real Estate Board

Rooms

Level	Room	Dimensions
Upper	Living Room	3.77m × 5.21m
Upper	Dining Room	3.13m × 4.6m
Upper	Kitchen	3.01m × 5.57m
Main	Family Room	3.68m × 5.6m
Second	Primary Bedroom	4.17m × 3.38m
Second	Bedroom 2	4.51m × 3.08m
Second	Bedroom 3	3.44m × 2.52m
Lower	Bedroom 4	3.62m × 5.21m
Basement	Den	5.33m × 2.19m
Lower	Living Room	5.45m × 5.21m
Lower	Kitchen	2.34m × 2.86m

Seller signals

Price movement & seller pressure

↓ $50KPrice reduction

MLS shows the seller reduced the asking price by $50,000 (from $789,000 to $739,000).

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: JJN REALTY BROKERAGE INC.

Source: TRREB/PROPTX · MLS® X13021758

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$739K

54 Nello Street · Bryon Bertrim

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $739,000✓ $5,564 tax✓ Gas✓ 1500-2000 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$5,757/mo

incl. closing costs (yr 1)

Annual total

$69,081

year 1

Mortgage only

$2,804/mo

principal + interest

Beyond mortgage

$1,557/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$147,800

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$464/mo

Utilities

Hydro / electricity$123/mo

≈ $0.07/ft² × ~1,750 ft² · ON avg ~$123/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%$7,390/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$11,255

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)49% $33,642/yr

Property taxes24% $16,819/yr

Utilities7% $4,530/yr

Insurance & security2% $1,600/yr

Maintenance11% $7,390/yr

Closing costs7% $5,100/yr

Mortgage is 49% of your true cost of ownership. The other 51% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$33,642	$2,804/mo
Government & taxes
Property tax	$5,564	$464/mo
Land transfer tax(closing)	$11,255	$938/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$1,470	$123/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$7,390	$616/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	$69,081	$5,757/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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54 Nello Street

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Price movement & seller pressure

Sales History

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Annual costs