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$340K · 2 bed Condo Apartment · 450 - E. Chester, St. Catharines | MyPropertyScout

$339,900

Unit 1111

15 DOM

2215d

Map

DOM 15

$339,900

DOM15days

Unit 1111

7 Gale Crescent · St. Catharines · Ontario L2R 7M8

MLS® X13445926 · 450 - E. Chester · L2R 7M8

22OwnerOccupied1000-1199 ft²Condo Apartment1-car Underground15d$309/ft²$3,260 tax/yr

15 days on market

About this home

Welcome to this beautifully updated 2-bedroom, 2-bath suite, where stunning downtown views meet effortless condo living. From the moment you step inside, the spacious foyer leads into a bright, airy living space filled with natural light from expansive windows showcasing the city skyline. The open-concept kitchen flows seamlessly into the main living area, creating the perfect space for entertaining guests or enjoying laid-back evenings at home. The versatile den has been thoughtfully transform…

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Property details

MLS#: X13445926
Status: Buy Now
Beds: 2
Baths: 2 full, 0 half
Size: 1000-1199
Style: Apartment
Type: Condo Apartment
Year built: —

Property features: Clear View, Public Transit, Arts Centre, Place Of Worship, School

Condo corp #: 32
Balcony: None
Locker: None
Association amenities: Car Wash, Bike Storage, Gym, Game Room, Indoor Pool, Rooftop Deck/Garden
Fees include: Heat Included, Water Included, Hydro Included, Cable TV Included, CAC Included, Building Insurance Included, Common Elements Included, Parking Included
Pets: Yes-with Restrictions

Garage: 1-car Underground
Garage spaces: 1
Parking: 1 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Concrete
Fronting on: —
Cross street: Church
Basement: None
Stories: 11
Utilities: —
Laundry: In-Suite Laundry
Interior: Bar Fridge, Carpet Free, Separate Heating Controls
Parking features: Private

Additional listing data

ListAOR: Niagara Association of REALTORS

Rooms

Room dimensions are not available for this listing.

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: RE/MAX GARDEN CITY REALTY INC, BROKERAGE

Source: TRREB/PROPTX · MLS® X13445926

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$340K

Unit 1111 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $339,900✓ $3,260 tax✓ Gas✓ 1000-1199 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,127/mo

incl. closing costs (yr 1)

Annual total

$49,519

year 1

Mortgage only

$1,289/mo

principal + interest

Beyond mortgage

$2,081/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$67,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$272/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,100 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%$3,399/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

Condo / HOA fees (mo)$91/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$3,574

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)31% $15,474/yr

Property taxes14% $6,834/yr

Utilities8% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance7% $3,399/yr

Condo fees27% $13,152/yr

Closing costs10% $5,100/yr

Mortgage is 31% of your true cost of ownership. The other 69% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$15,474	$1,289/mo
Government & taxes
Property tax	$3,260	$272/mo
Land transfer tax(closing)	$3,574	$298/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%)	$3,399	$283/mo
Condo fees
Condo / HOA fees	$13,152	$1,096/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	$49,519	$4,127/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 1111

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Sales History

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Annual costs