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$399K · 4 bed Detached · 456 - Oakdale, St. Catharines | MyPropertyScout

$399,000

15 Chestnut Street

62 DOM

4162d

Map

⚡ Insider Deal

DOM 62

↓ $80KBelow MarketPrice Reduced

$399,000

↓ $80K

DOM62days

15 Chestnut Street

St. Catharines · Ontario L2T 1G6

MLS® X13078124 · 456 - Oakdale · L2T 1G6

41TenantOccupied1100-1500 ft²DetachedNoneCrawl Space62d$307/ft²Lot 66 x 70 ft$2,680 tax/yrCrawl Space

62 days on market

About this home

Step into 15 Chestnut Street E, an excellent opportunity for both first-time buyers and investors. This beautifully renovated two-storey detached home blends modern updates with everyday comfort. Featuring four bedrooms and one bathroom, the home offers professionally installed flooring throughout the main and second levels, a bright and inviting sunroom, and a fully updated kitchen and bath. The spacious living area is ideal for entertaining, while large windows fill the home with natural light…

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MyStreetValue™ Analysis

$416,589 – $616,179estimated range

Midpoint: $454,496

Property details

MLS#: X13078124
Status: Buy Now
Property class: Residential Freehold
Beds: 4
Baths: 1 full, 0 half
Rooms: 11
Kitchens: 1
Size: 1100-1500Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: Crawl Space
Style: 2-Storey
Type: Detached
Year built: —Year built not on MLS feed (often MPAC-only on broker systems)

PIN: 463380366
Roll / ARN: 262901001312200

Occupancy: Tenant Occupied
Washrooms: 4 pc
Family room: Family room
Central vacuum: No
Ensuite laundry: No

Roof: Asphalt Shingle
Foundation: Concrete Block

Garage: None
Garage spaces: 0
Parking: 3 total
Lot: 66 × 70
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Pool: No
Waterfront: No
Exterior: Aluminum Siding, Metal/Steel Siding
Fronting on: North
Cross street: Glendale Ave & Merritt St
Stories: —
Utilities: —
Laundry: —
Interior: Other
Parking features: —

Additional listing data

ListAOR: Niagara Association of REALTORS

Rooms

Level	Room	Dimensions
Main	Kitchen	2.31m × 4.29m
Main	Dining Room	3.56m × 4.32m
Main	Other	2.21m × 2.31m
Main	Living Room	4.01m × 4.6m
Main	Bedroom	2.34m × 3.71m
Main	Sunroom	1.96m × 3.45m
Main	Mud Room	1.68m × 1.88m
Main	Bathroom	1.95m × 3.4m
Second	Bedroom	2.11m × 2.36m
Second	Bedroom 2	2.36m × 3.71m
Second	Bedroom 3	2.24m × 3.07m

Seller signals

Price movement & seller pressure

↓ $80KPrice reduction

MLS shows the seller reduced the asking price by $80,000 (from $479,000 to $399,000).

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: REALTY EXECUTIVES PLUS LTD, BROKERAGE

Source: TRREB/PROPTX · MLS® X13078124

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$399K

15 Chestnut Street · Bryon Bertrim

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $399,000✓ $2,680 tax✓ Gas✓ 1100-1500 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,346/mo

incl. closing costs (yr 1)

Annual total

$40,146

year 1

Mortgage only

$1,514/mo

principal + interest

Beyond mortgage

$1,002/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$79,800

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$223/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%$3,990/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$4,460

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)45% $18,164/yr

Property taxes18% $7,140/yr

Utilities10% $4,152/yr

Insurance & security4% $1,600/yr

Maintenance10% $3,990/yr

Closing costs13% $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)	$18,164	$1,514/mo
Government & taxes
Property tax	$2,680	$223/mo
Land transfer tax(closing)	$4,460	$372/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%)	$3,990	$333/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	$40,146	$3,346/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 Chestnut Street

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Price movement & seller pressure

Sales History

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Annual costs