$740K · 3+1 bed Detached · 455 - Secord Woods, St. Catharines

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About this home

Welcome to 13 Rene Lane in St. Catharines - a beautifully renovated family home offering over 2,262 sq. ft. (MPAC) of living space and much more room than it appears from the outside! Located in a mature, sought-after neighborhood with huge lots and close to shopping, restaurants, schools, and The Pen Centre, this move-in ready home is packed with upgrades and designed for family living and entertaining. Step inside to a spacious foyer with a built-in desk and plenty of room for coats, boots, an…

Property details

MLS#

X13116722

Status

Buy Now

Beds

3+1

Baths

2 full, 0 half

Size

1100-1500

Style

Backsplit 4

Type

Detached

Year built

—

Roof: Asphalt Shingle
Foundation: Concrete

Fireplace features: Fireplace Insert, Family Room

Garage: 1-car Built-In
Garage spaces: 1
Parking: 5 total
Lot: 50 × 108.96
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Pool: No
Waterfront: No
Exterior: Stone, Brick
Fronting on: South
Cross street: Woodrow/Stonegate/Rene
Basement: Finished, Separate Entrance, Walk-Up
Stories: —
Utilities: —
Laundry: —
Interior: Auto Garage Door Remote, Carpet Free, In-Law Capability
Parking features: Private Double

Rooms

Level	Room	Dimensions
Main	Foyer	1.7m × 3.89m
Main	Living Room	3.25m × 6.12m
Main	Kitchen	3.15m × 6.93m
Second	Primary Bedroom	3.48m × 3.61m
Second	Bedroom 2	2.72m × 3.63m
Second	Bedroom 3	2.59m × 2.97m
Lower	Family Room	3.56m × 6.3m
Basement	Recreation	3.63m × 4.65m
Basement	Bedroom 4	2.41m × 3.43m
Basement	Utility Room	3.81m × 3.58m
Basement	Laundry	1.63m × 3.66m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $739,900✓ $4,384 tax✓ Gas✓ 1100-1500 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$5,633/mo

incl. closing costs (yr 1)

Annual total

$67,591

year 1

Mortgage only

$2,807/mo

principal + interest

Beyond mortgage

$1,428/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$147,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$365/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%$7,399/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$11,273

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)50% $33,683/yr

Property taxes23% $15,657/yr

Utilities6% $4,152/yr

Insurance & security2% $1,600/yr

Maintenance11% $7,399/yr

Closing costs8% $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)	$33,683	$2,807/mo
Government & taxes
Property tax	$4,384	$365/mo
Land transfer tax(closing)	$11,273	$939/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%)	$7,399	$617/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	$67,591	$5,633/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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13 Rene Lane

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Property details

Rooms

Sales History

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Annual costs