$300K · 2 bed Condo Apartment · Unit 411, 365 Geneva Street, St. Catharines, Ontario L2N 5S7

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About this home

This charming 2-bedroom condo in the quiet and well-maintained Parklands building is the perfect blend of comfort and convenience. Recently updated with fresh paint and brand-new flooring, the unit features a spacious living room, dining area, and a fully functional kitchen. The master bedroom offers a walk-in closet, providing ample storage space. Throughout the condo, you'll find plenty of additional storage options, and the unit is equipped with all-new blinds and updated electrical for peace…

Property details

MLS#

X13234290

Status

Buy Now

Property class

Residential Condo & Other

Beds

Baths

1 full, 0 half

Rooms

Kitchens

Size

900-999Exact finished sqft not on MLS feed (often MPAC-only on broker systems)

Basement

None

Style

Apartment

Type

Condo Apartment

Year built

1951

Occupancy: Vacant
Washrooms: 3 pc · Main
Family room: No
Central vacuum: No
Ensuite laundry: No

Condo corp #: 10
Balcony: Open
Locker: None
Fees include: Common Elements Included, Building Insurance Included, Parking Included, Water Included
Pets: Yes-with Restrictions

Garage: None
Garage spaces: 0
Parking: 1 total
Heating: Baseboard
Heating fuel: Electric
Cooling: Window Unit(s)
Fireplaces: —
Waterfront: No
Exterior: Brick
Fronting on: —
Cross street: Geneva between Scott and Carlton
Stories: 4
Utilities: —
Laundry: In Building
Interior: Intercom
Parking features: Private, Reserved/Assigned

Price movement & seller pressure

Motivated SellerWhy this label

Estate sale — Listing remarks or MLS designation indicate an estate sale.
94 days on market — Listing has been active for 94 days — extended time on market can signal seller pressure.

Labels reflect MLS fields and listing history in our database — not an opinion on fair market value.

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $299,900✓ $2,237 tax✓ Electric✓ 900-999 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,234/mo

incl. closing costs (yr 1)

Annual total

$38,811

year 1

Mortgage only

$1,138/mo

principal + interest

Beyond mortgage

$1,390/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$59,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$186/mo

Utilities

Hydro / electricity$75/mo

≈ $0.13/ft² × ~950 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%$2,999/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)$54/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$2,974

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)35% $13,653/yr

Property taxes13% $5,211/yr

Utilities6% $2,460/yr

Insurance & security4% $1,600/yr

Maintenance8% $2,999/yr

Condo fees20% $7,788/yr

Closing costs13% $5,100/yr

Mortgage is 35% of your true cost of ownership. The other 65% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$13,653	$1,138/mo
Government & taxes
Property tax	$2,237	$186/mo
Land transfer tax(closing)	$2,974	$248/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$2,999	$250/mo
Condo fees
Condo / HOA fees	$7,788	$649/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	$38,811	$3,234/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 411

About this home

MyStreetValue™ Analysis

Property details

Rooms

Price movement & seller pressure

Sales History

Neighbourhood SOLDs

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Annual costs