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$410K · 2 bed Detached · 450 - E. Chester, St. Catharines | MyPropertyScout

$409,900

4 Manning Street

58 DOM

2258d

Map

⚡ Insider Deal

DOM 58

↓ $20KPrice Reduced

$409,900

↓ $20K

DOM58days

4 Manning Street

St. Catharines · Ontario L2R 1H9

MLS® X13099944 · 450 - E. Chester · L2R 1H9

22OwnerOccupied700-1100 ft²Detached1-car DetachedFull, Partially Finished58d$455/ft²Lot 30 x 92.7 ft$2,791 tax/yrBuilt 195175 yrs oldFull, Partially Finished

58 days on market

About this home

Welcome to 4 Manning Street, a beautifully redesigned detached home offering an impressive three levels of living space in a convenient St. Catharines location. The bright,open-concept main floor has been thoughtfully updated with a custom modern kitchen featuring stainless steel appliances, stone countertops, undercount sink, bar fridge,and sleek contemporary finishes throughout. At the front of the home, the enclosed sunroom creates a warm and inviting lounge area, perfect for morning coffee,…

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Property details

MLS#: X13099944
Status: Buy Now
Property class: Residential Freehold
Beds: 2
Baths: 2 full, 0 half
Rooms: 5 + 1
Kitchens: 1
Size: 700-1100Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: Full, Partially Finished
Style: 1 1/2 Storey
Type: Detached
Year built: 1951

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

Roof: Asphalt Shingle
Foundation: Concrete

Garage: 1-car Detached
Garage spaces: 1
Parking: 3 total
Lot: 30.04 × 92.7
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Pool: No
Waterfront: No
Exterior: Vinyl Siding
Fronting on: South
Cross street: Niagara St/Manning St
Stories: —
Utilities: —
Laundry: —
Interior: In-Law Capability, Water Heater Owned
Parking features: Private

Rooms

Level	Room	Dimensions
Main	Sunroom	3.15m × 1.8m
Main	Living Room	5.64m × 2.74m
Main	Dining Room	2.06m × 3.76m
Main	Kitchen	3.58m × 4.65m
Main	Bathroom	1.6m × 1.5m
Second	Bedroom	3.38m × 2.77m
Second	Bedroom	3.02m × 2.97m
Basement	Bathroom	1.8m × 2.59m

Seller signals

Price movement & seller pressure

↓ $20KPrice reduction

MLS shows the seller reduced the asking price by $20,000 (from $429,900 to $409,900).

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: MICHAEL ST.JEAN REALTY INC.

Source: TRREB/PROPTX · MLS® X13099944

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$410K

4 Manning Street · Bryon Bertrim

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $409,900✓ $2,791 tax✓ Gas✓ 700-1100 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,407/mo

incl. closing costs (yr 1)

Annual total

$40,883

year 1

Mortgage only

$1,555/mo

principal + interest

Beyond mortgage

$1,004/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$81,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$233/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%$4,099/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$4,673

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)46% $18,660/yr

Property taxes18% $7,464/yr

Utilities10% $3,960/yr

Insurance & security4% $1,600/yr

Maintenance10% $4,099/yr

Closing costs12% $5,100/yr

Mortgage is 46% of your true cost of ownership. The other 54% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$18,660	$1,555/mo
Government & taxes
Property tax	$2,791	$233/mo
Land transfer tax(closing)	$4,673	$389/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%)	$4,099	$342/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	$40,883	$3,407/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 Manning Street

About this home

MyStreetValue™ Analysis

Property details

Rooms

Price movement & seller pressure

Sales History

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Annual costs