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$515K · 3 bed Condo Townhouse · 441 - Bunting/Linwell, St. Catharines | MyPropertyScout

$515,000

Unit 1

28 DOM

3328d

Map

DOM 28

$515,000

DOM28days

Unit 1

495 Linwell Road · St. Catharines · Ontario L2M 2R2

MLS® X13477474 · 441 - Bunting/Linwell · L2M 2R2

33OwnerOccupied1200-1399 ft²Condo Townhouse1-car Built-InFinished28d$396/ft²$4,526 tax/yrBuilt 200323 yrs oldFinished

28 days on market

About this home

Welcome to 495 Linwell Road Unit 1, a spacious 3 bedroom, 3 bathroom end-unit condo townhome tucked within an intimate 6-unit complex in one of St. Catharines' desirable North End communities. Offering the perfect blend of comfort, space, and low-maintenance living, this home provides the feel and functionality of a traditional home with the ease of a condo lifestyle. The functional layout features generous living areas throughout, including a primary bedroom complete with its own private ensu…

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Property details

MLS#: X13477474
Status: Buy Now
Property class: Residential Condo & Other
Beds: 3
Baths: 3 full, 0 half
Rooms: 5
Kitchens: 1
Size: 1200-1399Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: Finished
Style: 2-Storey
Type: Condo Townhouse
Year built: 2003

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

Condo corp #: 204
Balcony: None
Locker: None
Fees include: Parking Included
Pets: Yes-with Restrictions

Garage: 1-car Built-In
Garage spaces: 1
Parking: 1 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Vinyl Siding
Fronting on: —
Cross street: Bunting & Linwell
Stories: 1
Utilities: —
Laundry: In Basement
Laundry level: Lower Level
Interior: Auto Garage Door Remote, Water Meter
Parking features: —

Additional listing data

ListAOR: Niagara Association of REALTORS

Rooms

Room details

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: EXP REALTY

Source: TRREB/PROPTX · MLS® X13477474

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$515K

Unit 1 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $515,000✓ $4,526 tax✓ Gas✓ 1200-1399 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,811/mo

incl. closing costs (yr 1)

Annual total

$57,732

year 1

Mortgage only

$1,954/mo

principal + interest

Beyond mortgage

$1,834/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$103,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$377/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,300 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%$5,150/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)$50/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$6,775

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)41% $23,445/yr

Property taxes20% $11,301/yr

Utilities7% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance9% $5,150/yr

Condo fees12% $7,176/yr

Closing costs9% $5,100/yr

Mortgage is 41% of your true cost of ownership. The other 59% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$23,445	$1,954/mo
Government & taxes
Property tax	$4,526	$377/mo
Land transfer tax(closing)	$6,775	$565/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%)	$5,150	$429/mo
Condo fees
Condo / HOA fees	$7,176	$598/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	$57,732	$4,811/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 1

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Price movement & seller pressure

Sales History

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Annual costs