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$595K · 2+1 bed Detached · 438 - Port Dalhousie, St. Catharines | MyPropertyScout

$595,000

3 Philpark Road

18 DOM

2+1218d

Map

DOM 18

$595,000

DOM18days

3 Philpark Road

St. Catharines · Ontario L2N 4E4

MLS® X13456818 · 438 - Port Dalhousie · L2N 4E4

2+12OwnerOccupied700-1100 ft²Detached1-car CarportFull, Separate Entrance, Partially Finished18d$661/ft²Lot 75 x 100.3 ft$4,384 tax/yrBuilt 195175 yrs oldFull, Separate Entrance, Partially Finished

18 days on market

About this home

Welcome to 3 Philpark Road, a beautiful bungalow in one of St. Catharines' most sought-after neighbourhoods! Situated just moments away from the relaxing beach at Port Dalhousie, the scenic trails at Jaycee Gardens Park, and the natural beauty at Henley Island, this move-in ready home is just waiting for you to call it your own. The main floor features a seamless, functional layout boasting a spacious kitchen that flows into a bright, open-concept living and dining area with hardwood floors and…

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Property details

MLS#: X13456818
Status: Buy Now
Property class: Residential Freehold
Beds: 2+1
Baths: 2 full, 0 half
Rooms: 4 + 2
Kitchens: 1
Size: 700-1100Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: Full, Separate Entrance, Partially Finished
Style: Bungalow
Type: Detached
Year built: 1951

PIN: 461880745
Roll / ARN: 262906003710100

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

Zoning: R2

Roof: Asphalt Shingle
Foundation: Concrete Block
Other structures: Shed
Property features: Beach, Cul de Sac/Dead End, Fenced Yard, Lake/Pond, Marina

Fireplaces: 1
Fireplace features: Natural Gas

Garage: 1-car Carport
Garage spaces: 1
Parking: 3 total
Lot: 75 × 100.33
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Pool: No
Waterfront: No
Exterior: Vinyl Siding · Deck
Fronting on: South
Cross street: Ontario Street and Lakeport Road
Stories: —
Utilities: —
Laundry: —
Laundry level: Lower Level
Interior: Central Vacuum
Parking features: —

Additional listing data

ListAOR: Toronto Regional Real Estate Board

Rooms

Level	Room	Dimensions
Main	Kitchen	3.59m × 3.69m
Main	Dining Room	2.83m × 3.38m
Main	Living Room	4.45m × 3.38m
Main	Bedroom	3.08m × 3.69m
Main	Bedroom 2	3.11m × 3.11m
Main	Bathroom	1.06m × 2.26m
Basement	Recreation	3.51m × 10.3m
Basement	Bedroom 3	2.74m × 2.17m
Basement	Bathroom	1.77m × 1.58m
Basement	Utility Room	3.38m × 3.6m

Seller signals

Price movement & seller pressure

No price-drop or motivated-seller signals detected from MLS data we track on this listing.

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: KELLER WILLIAMS COMPLETE REALTY

Source: TRREB/PROPTX · MLS® X13456818

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$595K

3 Philpark Road · Bryon Bertrim

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $595,000✓ $4,384 tax✓ Gas✓ 700-1100 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,705/mo

incl. closing costs (yr 1)

Annual total

$56,456

year 1

Mortgage only

$2,257/mo

principal + interest

Beyond mortgage

$1,291/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$119,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$365/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%$5,950/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$8,375

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)48% $27,087/yr

Property taxes23% $12,759/yr

Utilities7% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance11% $5,950/yr

Closing costs9% $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)	$27,087	$2,257/mo
Government & taxes
Property tax	$4,384	$365/mo
Land transfer tax(closing)	$8,375	$698/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%)	$5,950	$496/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	$56,456	$4,705/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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3 Philpark Road

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Price movement & seller pressure

Sales History

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Annual costs