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$420K · 3 bed Detached · 452 - Haig, St. Catharines | MyPropertyScout

$419,900

4 Haig Street

69 DOM

3169d

Map

⚡ Insider Deal

DOM 69

↓ $20KMotivated SellerPOSPrice ReducedFixer UpperPower of Sale

$419,900

↓ $20KMotivated Seller

DOM69days

4 Haig Street

St. Catharines · Ontario L2R 6K5

MLS® X13048222 · 452 - Haig · L2R 6K5

31Vacant1100-1500 ft²Detached2-car DetachedFull, Unfinished69d$323/ft²Lot 37 x 94.5 ft< .50 ac$3,409 tax/yrBuilt 1916110 yrs oldFull, Unfinished

69 days on market

About this home

Property Sold "As is, Where is" basis. Seller makes no representations and/ or warranties.

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Property details

MLS#: X13048222
Status: Buy Now
Property class: Residential Freehold
Beds: 3
Baths: 1 full, 0 half
Rooms: 6
Kitchens: 1
Size: 1100-1500Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: Full, Unfinished
Style: 1 1/2 Storey
Type: Detached
Year built: 1916

PIN: 462130141
Roll / ARN: 262904003100200

Occupancy: Vacant
Washrooms: 4 pc · Second
Family room: No
Central vacuum: No
Ensuite laundry: No

Roof: Asphalt Shingle
Foundation: Concrete Block

Garage: 2-car Detached
Garage spaces: 2
Parking: 2 total
Lot: 37 × 94.5
Heating: Forced Air
Heating fuel: Gas
Cooling: None
Fireplaces: —
Pool: No
Waterfront: No
Exterior: Aluminum Siding
Fronting on: East
Cross street: Beech St & Haig St
Stories: —
Utilities: —
Laundry: —
Interior: Water Heater
Parking features: Private

Rooms

Level	Room	Dimensions
Main	Living Room	3.58m × 4.14m
Main	Dining Room	4.47m × 3.53m
Main	Kitchen	2.92m × 4.06m
Second	Primary Bedroom	5.33m × 2.48m
Second	Bedroom 2	2.45m × 3.45m
Second	Bedroom 3	4.4m × 2.54m

Seller signals

Price movement & seller pressure

↓ $20KPrice reduction

MLS shows the seller reduced the asking price by $20,000 (from $439,900 to $419,900).

Motivated SellerWhy this label

Power of sale — Power-of-sale (or court-ordered) listing with 69 days on market.

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 STATE REALTY

Source: TRREB/PROPTX · MLS® X13048222

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$420K

4 Haig Street · Bryon Bertrim

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $419,900✓ $3,409 tax✓ Gas✓ 1100-1500 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,537/mo

incl. closing costs (yr 1)

Annual total

$42,449

year 1

Mortgage only

$1,593/mo

principal + interest

Beyond mortgage

$1,080/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$83,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$284/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%$4,199/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$4,873

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)45% $19,116/yr

Property taxes20% $8,282/yr

Utilities10% $4,152/yr

Insurance & security4% $1,600/yr

Maintenance10% $4,199/yr

Closing costs12% $5,100/yr

Mortgage is 45% of your true cost of ownership. The other 55% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$19,116	$1,593/mo
Government & taxes
Property tax	$3,409	$284/mo
Land transfer tax(closing)	$4,873	$406/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%)	$4,199	$350/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	$42,449	$3,537/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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4 Haig Street

About this home

MyStreetValue™ Analysis

Property details

Rooms

Price movement & seller pressure

Sales History

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Annual costs