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$260K · 2 bed Condo Apartment · 446 - Fairview, St. Catharines | MyPropertyScout

$260,000

Unit 410

55 DOM

2155d

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DOM 55

$260,000

D●●●○○DOM55days

Unit 410

198 Scott Street · St. Catharines · Ontario L2N 5T3

MLS® X13023986 · 446 - Fairview · L2N 5T3

21Vacant800-899 ft²Condo ApartmentNone55d$306/ft²$2,367 tax/yrBuilt 195175 yrs old

8% above market · 55 days on market

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

About this home

This fourth-floor, 2-bedroom condo offers a bright and easygoing living experience, with a layout that feels both functional and comfortable from the moment you step inside. Natural light fills the space, creating an inviting atmosphere that carries throughout the home, while the neutral finishes provide a clean backdrop ready for your personal touch. There's a sense of simplicity here, easy to settle into and easy to make your own. The kitchen is well-positioned with plenty of cabinetry and wor…

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Property details

MLS#: X13023986
Status: Conditionally Sold
Beds: 2
Baths: 1 full, 0 half
Size: 800-899
Style: 1 Storey/Apt
Type: Condo Apartment
Year built: —

Roof: Asphalt Shingle

Condo corp #: 6
Balcony: Open
Locker: Exclusive
Association amenities: Gym, Outdoor Pool, Sauna, Party Room/Meeting Room, Visitor Parking
Fees include: Heat Included, Water Included, Hydro Included, Parking Included
Pets: Yes-with Restrictions

Garage: None
Garage spaces: 0
Parking: 1 total
Heating: Radiant
Heating fuel: Gas
Cooling: None
Fireplaces: —
Waterfront: No
Exterior: Brick
Fronting on: —
Cross street: Geneva & Scott
Basement: None
Stories: 4
Utilities: —
Laundry: Shared, Common Area, Coin Operated, In Building
Interior: None
Parking features: Surface

Additional listing data

ListAOR: Toronto Regional Real Estate Board

Rooms

Level	Room	Dimensions
—	Living Room	2.97m × 4.37m
—	Kitchen	2.67m × 2.82m
—	Dining Room	2.11m × 2.18m
—	Bedroom	3.35m × 4.17m
—	Bedroom 2	2.69m × 3.58m
—	Bathroom	1.5m × 2.31m

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: ROYAL LEPAGE NRC REALTY

Source: TRREB/PROPTX · MLS® X13023986

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$260K

Unit 410 · Bryon Bertrim

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $260,000✓ $2,367 tax✓ Gas✓ 800-899 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,205/mo

incl. closing costs (yr 1)

Annual total

$38,456

year 1

Mortgage only

$986/mo

principal + interest

Beyond mortgage

$1,562/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$52,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$197/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~850 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%$2,600/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)$60/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$2,375

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)31% $11,836/yr

Property taxes12% $4,742/yr

Utilities10% $3,960/yr

Insurance & security4% $1,600/yr

Maintenance7% $2,600/yr

Condo fees22% $8,618/yr

Closing costs13% $5,100/yr

Mortgage is 31% of your true cost of ownership. The other 69% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$11,836	$986/mo
Government & taxes
Property tax	$2,367	$197/mo
Land transfer tax(closing)	$2,375	$198/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%)	$2,600	$217/mo
Condo fees
Condo / HOA fees	$8,618	$718/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	$38,456	$3,205/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 410

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Sales History

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Annual costs