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$487K · 2+1 bed Detached · 451 - Downtown, St. Catharines | MyPropertyScout

$487,000

155 1/2 Lake Street

61 DOM

2+1261d

Map

⚡ Insider Deal

DOM 61

↓ $23KPrice Reduced

$487,000

↓ $23K

DOM61days

155 1/2 Lake Street

St. Catharines · Ontario L2R 5Y5

MLS® X13085360 · 451 - Downtown · L2R 5Y5

2+12TenantOccupied1100-1500 ft²DetachedNoneFull, Unfinished61d$375/ft²Lot 33 x 103.2 ft$3,020 tax/yrFull, Unfinished

61 days on market

About this home

Centrally located duplex in the heart of downtown St. Catharines, ideally situated along a bus route and close to all amenities. This well-maintained property features two self-contained units, including an upper unit offering a bright open-concept layout with a den and full bathroom, tastefully renovated in 2018. Notable updates include a new furnace (2023), new upper AC unit (2023)roof replacement (2019), basement spray foam insulation (2018), and exterior painting (2021),offering added value…

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MyStreetValue™ Analysis

$347,505 – $656,068estimated range

Midpoint: $524,502

Property details

MLS#: X13085360
Status: Buy Now
Property class: Residential Freehold
Beds: 2+1
Baths: 2 full, 0 half
Rooms: 6
Kitchens: 2
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: —Year built not on MLS feed (often MPAC-only on broker systems)

PIN: 462140343
Roll / ARN: 262904002203500

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

Roof: Asphalt Shingle
Foundation: Unknown

Garage: None
Garage spaces: 0
Parking: 1 total
Lot: 33 × 103.2
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Pool: No
Waterfront: No
Exterior: Metal/Steel Siding, Stucco (Plaster)
Fronting on: West
Cross street: DUFFERIN ST/LAKE ST
Stories: —
Utilities: —
Laundry: —
Interior: Upgraded Insulation
Parking features: Private

Additional listing data

ListAOR: Toronto Regional Real Estate Board

Rooms

Level	Room	Dimensions
Main	Living Room	3.35m × 7.01m
Main	Kitchen	3.35m × 4.88m
Main	Primary Bedroom	3.05m × 5.49m
Main	Bedroom	2.44m × 3.05m
Second	Living Room	3.96m × 5.49m
Second	Kitchen	2.44m × 2.74m
Second	Den	3.05m × 3.35m
Basement	Laundry	—

Seller signals

Price movement & seller pressure

↓ $23KPrice reduction

MLS shows the seller reduced the asking price by $23,000 (from $510,000 to $487,000).

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: SUTTON GROUP - SUMMIT REALTY INC.

Source: TRREB/PROPTX · MLS® X13085360

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$487K

155 1/2 Lake Street · Bryon Bertrim

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $487,000✓ $3,020 tax✓ Gas✓ 1100-1500 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,927/mo

incl. closing costs (yr 1)

Annual total

$47,127

year 1

Mortgage only

$1,848/mo

principal + interest

Beyond mortgage

$1,104/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$97,400

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$252/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%$4,870/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$6,215

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)47% $22,170/yr

Property taxes20% $9,235/yr

Utilities9% $4,152/yr

Insurance & security3% $1,600/yr

Maintenance10% $4,870/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)	$22,170	$1,848/mo
Government & taxes
Property tax	$3,020	$252/mo
Land transfer tax(closing)	$6,215	$518/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%)	$4,870	$406/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	$47,127	$3,927/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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155 1/2 Lake Street

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Price movement & seller pressure

Sales History

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Annual costs