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$398K · 3+2 bed Detached · 445 - Facer, St. Catharines | MyPropertyScout

$398,000

428 Carlton Street

18 DOM

3+2218d

Map

DOM 18

↓ $21K

$398,000

↓ $21K

DOM18days

428 Carlton Street

St. Catharines · Ontario L2M 4W8

MLS® X13458698 · 445 - Facer · L2M 4W8

3+22OwnerOccupied700-1100 ft²Detached1-car AttachedSeparate Entrance, Development Potential, Partially Finished18d$442/ft²Lot 40 x 92 ft$2,367 tax/yrBuilt 195175 yrs oldSeparate Entrance, Development Potential, Partially Finished

18 days on market

About this home

Welcome to 428 Carlton Street, a charming, 3-bedroom, 2-bathroom bungalow in the heart of St. Catharines' desirable Facer neighbourhood. This solid home offers comfortable, move-in ready living with vinyl siding, an nice front porch, and a private patio area perfect for relaxing outdoors. Inside, you'll find a bright living room, a separate dining room, and a functional kitchen with ample storage. The main floor features three cozy bedrooms and a full 4-piece bathroom. The semi finished basement…

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Property details

MLS#: X13458698
Status: Buy Now
Property class: Residential Freehold
Beds: 3+2
Baths: 2 full, 0 half
Rooms: 5 + 3
Kitchens: 1
Size: 700-1100Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: Separate Entrance, Development Potential, Partially Finished
Style: Bungalow
Type: Detached
Year built: 1951

PIN: 462830076
Roll / ARN: 262903001915400

Occupancy: Owner Occupied
Washrooms: 4 pc · Main; 2 pc · Basement
Family room: No
Central vacuum: No
Ensuite laundry: No

Zoning: R1

Roof: Asphalt Shingle
Foundation: Poured Concrete

Garage: 1-car Attached
Garage spaces: 1
Parking: 4 total
Lot: 40 × 92
Heating: Radiant
Heating fuel: Gas
Cooling: Window Unit(s)
Fireplaces: —
Pool: No
Waterfront: No
Exterior: Vinyl Siding · Patio, Porch, Year Round Living
Fronting on: North
Cross street: Niagara St & Carlton St
Stories: —
Utilities: —
Laundry: —
Interior: Carpet Free, Water Heater
Parking features: Lane, Private

Additional listing data

ListAOR: Niagara Association of REALTORS

Rooms

Level	Room	Dimensions
Main	Living Room	3.4m × 4.5m
Main	Dining Room	4.49m × 3.02m
Main	Kitchen	3.28m × 4.45m
Main	Bathroom	1.76m × 1.94m
Main	Bedroom	2.98m × 2.98m
Main	Bedroom 2	2.7m × 3.06m
Main	Bedroom 3	2.7m × 3.06m
Basement	Bedroom	2.08m × 3.18m
Basement	Bedroom	1.99m × 3.13m
Basement	Utility Room	4.04m × 3.93m
Main	Other	4m × 4.5m

Seller signals

Price movement & seller pressure

↓ $21KPrice reduction

MLS shows the seller reduced the asking price by $21,000 (from $419,000 to $398,000).

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: EXP REALTY

Source: TRREB/PROPTX · MLS® X13458698

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$398K

428 Carlton Street · Bryon Bertrim

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $398,000✓ $2,367 tax✓ Gas✓ 700-1100 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,298/mo

incl. closing costs (yr 1)

Annual total

$39,571

year 1

Mortgage only

$1,510/mo

principal + interest

Beyond mortgage

$959/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$79,600

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$197/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%$3,980/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$4,445

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)46% $18,119/yr

Property taxes17% $6,812/yr

Utilities10% $3,960/yr

Insurance & security4% $1,600/yr

Maintenance10% $3,980/yr

Closing costs13% $5,100/yr

Mortgage is 46% of your true cost of ownership. The other 54% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$18,119	$1,510/mo
Government & taxes
Property tax	$2,367	$197/mo
Land transfer tax(closing)	$4,445	$370/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%)	$3,980	$332/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	$39,571	$3,298/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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428 Carlton Street

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Price movement & seller pressure

Sales History

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Annual costs