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$480K · 2+2 bed Detached · 445 - Facer, St. Catharines | MyPropertyScout

$480,000

214 NIAGARA Street

75 DOM

2+2275d

Map

⚡ Insider Deal

DOM 75

↓ $20KPrice Reduced

$480,000

↓ $20K

DOM75days

214 NIAGARA Street

St. Catharines · Ontario L2M 4V4

MLS® X13027020 · 445 - Facer · L2M 4V4

2+22TenantOccupied700-1100 ft²DetachedNoneFinished, Full75d$533/ft²Lot 35 x 86.5 ft< .50 ac$2,967 tax/yrBuilt 1916110 yrs oldFinished, Full

75 days on market

About this home

Welcome to this well-maintained bungalow in the desirable North End of St. Catharines, offering strong potential for multi-generational living or income support! This property features 2+2 bedrooms, 2 full bathrooms, and 2 kitchens with a functional layout across both levels. The main floor includes an updated kitchen, 4 piece bathroom, bright living area, two bedrooms, and in-suite laundry. The fully finished lower level offers a separate rear entrance, second kitchen, spacious living area, two…

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Property details

MLS#: X13027020
Status: Buy Now
Property class: Residential Freehold
Beds: 2+2
Baths: 2 full, 0 half
Rooms: 7 + 5
Kitchens: 2
Size: 700-1100Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: Finished, Full
Style: Bungalow-Raised
Type: Detached
Year built: 1916

PIN: 462810131
Roll / ARN: 262903001806500

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

Roof: Asphalt Shingle
Foundation: Poured Concrete

Fireplaces: 0

Garage: None
Garage spaces: 0
Parking: 2 total
Lot: 35 × 86.47
Heating: Forced Air
Heating fuel: Gas
Cooling: None
Pool: No
Waterfront: No
Exterior: Vinyl Siding · Porch Enclosed, Year Round Living
Fronting on: East
Cross street: Vine
Stories: —
Utilities: —
Laundry: —
Interior: Accessory Apartment, In-Law Suite
Parking features: Private, Other

Rooms

Room dimensions are not available for this listing.

Seller signals

Price movement & seller pressure

↓ $20KPrice reduction

MLS shows the seller reduced the asking price by $20,000 (from $500,000 to $480,000).

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: RE/MAX NIAGARA REALTY LTD, BROKERAGE

Source: TRREB/PROPTX · MLS® X13027020

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$480K

214 NIAGARA Street · Bryon Bertrim

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $480,000✓ $2,967 tax✓ Gas✓ 700-1100 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,863/mo

incl. closing costs (yr 1)

Annual total

$46,354

year 1

Mortgage only

$1,821/mo

principal + interest

Beyond mortgage

$1,077/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$96,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$247/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%$4,800/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$6,075

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)47% $21,852/yr

Property taxes20% $9,042/yr

Utilities9% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance10% $4,800/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)	$21,852	$1,821/mo
Government & taxes
Property tax	$2,967	$247/mo
Land transfer tax(closing)	$6,075	$506/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%)	$4,800	$400/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	$46,354	$3,863/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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214 NIAGARA Street

About this home

MyStreetValue™ Analysis

Property details

Rooms

Price movement & seller pressure

Sales History

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Annual costs