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$437K · 3 bed Detached · 450 - E. Chester, St. Catharines | MyPropertyScout

$436,800

36 Division Street

47 DOM

3147d

Map

⚡ Insider Deal

DOM 47

↓ $11KPrice Reduced

$436,800

↓ $11K

DOM47days

36 Division Street

St. Catharines · Ontario L2R 3G2

MLS® X13143442 · 450 - E. Chester · L2R 3G2

31Vacant700-1100 ft²DetachedNoneSeparate Entrance, Unfinished47d$485/ft²Lot 33 x 116 ft$2,716 tax/yrSeparate Entrance, Unfinished

47 days on market

About this home

First-Time Homebuyers, New Couples & Savvy Investors-Welcome!Don't miss this cozy, stylish, and neat carpet-free home is move-in ready! Freshly painted throughout, it features a newly built front deck-perfect for relaxing and enjoying the outdoors. Enjoy the convenience of a private rear entrance with access to 2 parking space and your own backyard. The basement is upgraded with spray foam insulation for added comfort and energy efficiency. Hurry-book your showing today, this could be your new h…

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Property details

MLS#: X13143442
Status: Buy Now
Property class: Residential Freehold
Beds: 3
Baths: 1 full, 0 half
Rooms: 6
Kitchens: 1
Size: 700-1100Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: Separate Entrance, Unfinished
Style: Bungalow
Type: Detached
Year built: —Year built not on MLS feed (often MPAC-only on broker systems)

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

Roof: Shingles
Foundation: Unknown
Property features: Hospital, Library, Park, Place Of Worship, Public Transit, Ravine

Garage: None
Garage spaces: 0
Parking: 2 total
Lot: 33 × 116
Heating: Heat Pump
Heating fuel: Electric
Cooling: Other
Fireplaces: —
Pool: No
Waterfront: No
Exterior: Vinyl Siding
Fronting on: South
Cross street: Calvin/Division/ Gale Cres.
Stories: —
Utilities: —
Laundry: —
Interior: Carpet Free
Parking features: Mutual, Private

Rooms

Level	Room	Dimensions
Main	Living Room	3.96m × 5.18m
Main	Kitchen	3.15m × 4.39m
Main	Primary Bedroom	2.92m × 4.22m
Main	Bedroom 2	3.02m × 3.05m
Main	Bedroom 3	3.02m × 2.9m
Basement	Laundry	1.3m × 1.3m

Seller signals

Price movement & seller pressure

↓ $11KPrice reduction

MLS shows the seller reduced the asking price by $11,200 (from $448,000 to $436,800).

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: HOMELIFE/MIRACLE REALTY LTD

Source: TRREB/PROPTX · MLS® X13143442

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$437K

36 Division Street · Bryon Bertrim

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $436,800✓ $2,716 tax✓ Electric✓ 700-1100 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,487/mo

incl. closing costs (yr 1)

Annual total

$41,844

year 1

Mortgage only

$1,657/mo

principal + interest

Beyond mortgage

$937/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$87,360

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$226/mo

Utilities

Hydro / electricity$117/mo

≈ $0.13/ft² × ~900 ft² · incl. electric heat

Heat$0/mo

Electric heat — no gas service · see hydro

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%$4,368/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$5,211

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)48% $19,885/yr

Property taxes19% $7,927/yr

Utilities7% $2,964/yr

Insurance & security4% $1,600/yr

Maintenance10% $4,368/yr

Closing costs12% $5,100/yr

Mortgage is 48% of your true cost of ownership. The other 52% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$19,885	$1,657/mo
Government & taxes
Property tax	$2,716	$226/mo
Land transfer tax(closing)	$5,211	$434/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$1,404	$117/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$4,368	$364/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	$41,844	$3,487/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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36 Division Street

About this home

MyStreetValue™ Analysis

Property details

Rooms

Price movement & seller pressure

Sales History

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Annual costs