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$839K · 3 bed Detached · 451 - Downtown, St. Catharines | MyPropertyScout

$839,000

103 Queen Street

33Partial

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⚡ Insider Deal

↓ $25,000Price Reduced

$839,000

DOM45days

103 Queen Street

St. Catharines · Ontario L2R 5H4

MLS® X13111050 · 451 - Downtown · L2R 5H4

33Partial1500-2000 ft²Detached1-car Detached45d$479/ft²Lot 55.1 x 122.2 ft$4,663 tax/yrBuilt 1916110 yrs old

45 days on market

About this home

Charm and character best describe this lovely, updated, and well-maintained downtown home, situated in the Queen Street Heritage District on an exceptionally large lot with the added benefit of private parking. As you enter, a spacious foyer welcomes you and leads through elegant French doors to a bright, generously sized living room, highlighted by a cozy gas fireplace. The separate dining room provides ample space, making it perfect for entertaining guests or hosting family gatherings. Numerou…

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Property details

MLS#: X13111050
Status: Buy Now
Beds: 3
Baths: 3 full, 0 half
Size: 1500-2000
Style: 2-Storey
Type: Detached
Year built: —

Roof: Asphalt Shingle
Foundation: Stone
Property features: Arts Centre, Fenced Yard, Library, Park, Place Of Worship, Public Transit

Fireplaces: 2
Fireplace features: Freestanding, Living Room, Natural Gas, Family Room

Garage: 1-car Detached
Garage spaces: 1
Parking: 4 total
Lot: 55.12 × 122.15
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Pool: No
Waterfront: No
Exterior: Wood · Deck, Patio, Porch
Fronting on: West
Cross street: Ontario St and Welland Ave
Basement: Full, Partially Finished, Walk-Up
Stories: —
Utilities: —
Laundry: —
Interior: Garburator, Carpet Free, Central Vacuum
Parking features: Private

Additional listing data

ListAOR: Niagara Association of REALTORS

Rooms

Level	Room	Dimensions
Ground	Foyer	3.21m × 4.85m
Ground	Living Room	4.57m × 7.27m
Ground	Dining Room	4.22m × 4.48m
Ground	Kitchen	3.29m × 3.7m
Ground	Family Room	3.66m × 4.78m
Ground	Bathroom	1m × 1.12m
Second	Primary Bedroom	3.41m × 3.66m
Second	Bedroom 2	3.33m × 3.7m
Second	Bedroom 3	3.23m × 3.31m
Second	Office	2.17m × 3.21m
Second	Bathroom	2.44m × 2.79m
Basement	Recreation	4.01m × 8.73m
Basement	Bathroom	1.77m × 1.8m
Basement	Utility Room	4.24m × 6.96m
Basement	Laundry	2.04m × 3.08m

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: ROYAL LEPAGE NRC REALTY

Source: TRREB/PROPTX · MLS® X13111050

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$839K

103 Queen Street · Bryon Bertrim

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $839,000✓ $4,663 tax✓ Gas✓ 1500-2000 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$6,311/mo

incl. closing costs (yr 1)

Annual total

$75,733

year 1

Mortgage only

$3,183/mo

principal + interest

Beyond mortgage

$1,565/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$167,800

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$389/mo

Utilities

Hydro / electricity$123/mo

≈ $0.07/ft² × ~1,750 ft² · ON avg ~$123/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%$8,390/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$13,255

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)50% $38,195/yr

Property taxes24% $17,918/yr

Utilities6% $4,530/yr

Insurance & security2% $1,600/yr

Maintenance11% $8,390/yr

Closing costs7% $5,100/yr

Mortgage is 50% of your true cost of ownership. The other 50% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$38,195	$3,183/mo
Government & taxes
Property tax	$4,663	$389/mo
Land transfer tax(closing)	$13,255	$1,105/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$1,470	$123/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$8,390	$699/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	$75,733	$6,311/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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103 Queen Street

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Sales History

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Annual costs