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$520K · 2 bed Condo Townhouse · 451 - Downtown, St. Catharines | MyPropertyScout

$519,900

Unit 21

60 DOM

2260d

Map

⚡ Insider Deal

DOM 60

↓ $30KPrice Reduced

$519,900

↓ $30K

DOM60days

Unit 21

7 Gibson Place · St. Catharines · Ontario L2R 0A3

MLS® X13091870 · 451 - Downtown · L2R 0A3

22Vacant1400-1599 ft²Condo Townhouse1-car AttachedFull, Unfinished60d$347/ft²$5,076 tax/yrBuilt 200323 yrs oldFull, Unfinished

60 days on market

About this home

Welcome to this modern 2-bedroom plus loft end-unit townhouse, perfectly positioned in a quiet, sought-after pocket of St. Catharines. Offering approximately 1,594 sq. ft. of finished living space, this home blends open-concept design with thoughtful separation for everyday comfort. The main floor features a spacious eat-in kitchen, living, and dining area with sliding doors leading to a private walkout deck-ideal for relaxing or entertaining. Cathedral ceilings flood the home with natural light…

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Property details

MLS#: X13091870
Status: Buy Now
Property class: Residential Condo & Other
Beds: 2
Baths: 2 full, 0 half
Rooms: 5
Kitchens: 1
Size: 1400-1599Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: Full, Unfinished
Style: 2-Storey
Type: Condo Townhouse
Year built: 2003

Occupancy: Vacant
Washrooms: 2 pc · Main; 4 pc · Second
Family room: No
Central vacuum: No
Ensuite laundry: No

Condo corp #: 194
Balcony: Open
Locker: None
Fees include: Common Elements Included, Parking Included
Pets: Yes-with Restrictions

Garage: 1-car Attached
Garage spaces: 1
Parking: 2 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick, Other
Fronting on: —
Cross street: NIAGARA ST
Stories: 1
Utilities: —
Laundry: Inside
Interior: Water Heater
Parking features: Private

Additional listing data

ListAOR: Niagara Association of REALTORS

Rooms

Room dimensions are not available for this listing.

Seller signals

Price movement & seller pressure

↓ $30KPrice reduction

MLS shows the seller reduced the asking price by $30,000 (from $549,900 to $519,900).

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: One Percent Realty Ltd.

Source: TRREB/PROPTX · MLS® X13091870

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$520K

Unit 21 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $519,900✓ $5,076 tax✓ Gas✓ 1400-1599 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,556/mo

incl. closing costs (yr 1)

Annual total

$54,674

year 1

Mortgage only

$1,972/mo

principal + interest

Beyond mortgage

$1,553/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$103,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$423/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,500 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%$5,199/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

Condo / HOA fees (mo)$22/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$6,873

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)43% $23,668/yr

Property taxes22% $11,949/yr

Utilities7% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance10% $5,199/yr

Condo fees6% $3,198/yr

Closing costs9% $5,100/yr

Mortgage is 43% of your true cost of ownership. The other 57% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$23,668	$1,972/mo
Government & taxes
Property tax	$5,076	$423/mo
Land transfer tax(closing)	$6,873	$573/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%)	$5,199	$433/mo
Condo fees
Condo / HOA fees	$3,198	$267/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	$54,674	$4,556/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 21

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Price movement & seller pressure

Sales History

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Annual costs