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$539,000
7 Gibson Place · St. Catharines · Ontario L2R 0A3
142 days on market
Beautifully finished 2-storey loft-style townhome offering 2+1 bedrooms and 2.5 baths in a warm, inviting open-concept layout. Hardwood flooring, elegant Turkish stone feature in kitchen and California shutters add timeless style throughout. The impressive loft overlooks the living room and soaring vaulted ceilings in the dining area.Step through the patio doors to a spacious wood deck complete with a gas line hookup for year-round BBQ enjoyment. The bright kitchen features a large island and w…
Could save you thousands on this purchase — closing strategy, negotiation & rebate.
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Seller signals
↓ $31KPrice reduction
MLS shows the seller reduced the asking price by $30,900 (from $569,900 to $539,000).
Motivated SellerWhy this label
Labels reflect MLS fields and listing history in our database — not an opinion on fair market value.
Property history
Comparable sales
Brokered by: BOSLEY REAL ESTATE LTD.,
Source: TRREB/PROPTX · MLS® X13235088
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20%+ down — no CMHC premium
≈ $0.07/ft² × ~1,700 ft² · ON avg ~$75/mo
Typical ON gas-heated home · ~$125/mo
ON municipal avg ~$60/mo
ON internet/TV avg ~$70/mo
1% of value/yr — standard reserve
Landscaping & snow removal · $0 default
$100/mo default · adjust for your home
Optional monitoring · $0 default
From listing or typical fee
Cost composition
Mortgage is 44% of your true cost of ownership. The other 56% surprises most first-time buyers.
Full breakdown
| Mortgage & financing | ||
| Mortgage (P+I) | $24,538 | $2,045/mo |
| Government & taxes | ||
| Property tax | $5,129 | $427/mo |
| Land transfer tax(closing) | $7,255 | $605/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%) | $5,390 | $449/mo |
| Condo fees | ||
| Condo / HOA fees | $3,198 | $267/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 | $56,170 | $4,681/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.