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$290K · 2 bed Condo Apartment · 445 - Facer, St. Catharines | MyPropertyScout

$289,900

Unit 7

8 DOM

218d

Map

DOM 8

$289,900

DOM8days

Unit 7

454 CARLTON Street · St. Catharines · Ontario L2M 4X1

MLS® X13555188 · 445 - Facer · L2M 4X1

21OwnerOccupied800-899 ft²Condo ApartmentNoneNo basement8d$341/ft²$1,881 tax/yrBuilt 195175 yrs oldNo basement

8 days on market

About this home

Easy to View! Discover the perfect blend of comfort and convenience in this meticulously updated 2-bedroom condo. The interior boasts an expansive open-concept living, dining, and kitchen area highlighted by modern flooring and a neutral, welcoming palette. The kitchen is modern with its large peninsula and ample cabinetry, while the fully renovated bathroom features a sophisticated tile surround. Positioned for privacy with no neighbors on one side, this unit offers easy access to building amen…

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Property details

MLS#: X13555188
Status: Buy Now
Property class: Residential Condo & Other
Beds: 2
Baths: 1 full, 0 half
Rooms: 5
Kitchens: 1
Size: 800-899Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: None
Style: Other
Type: Condo Apartment
Year built: 1951

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

Zoning: R3

Roof: Tar and Gravel, Flat
Property features: Library, Park, Rec./Commun.Centre

Fireplaces: 0

Condo corp #: 162
Balcony: None
Locker: Common
Association amenities: Visitor Parking
Fees include: Hydro Included, Heat Included, Building Insurance Included, Common Elements Included, Water Included, Parking Included
Pets: Yes-with Restrictions

Garage: None
Garage spaces: 0
Parking: 1 total
Heating: Radiant
Heating fuel: Gas
Cooling: None
Waterfront: No
Exterior: Brick
Fronting on: —
Cross street: NIAGARA STREET TO CARLTON
Stories: 1
Utilities: —
Laundry: Common Area, Laundry Room, Coin Operated
Laundry level: Main Level
Interior: None
Parking features: Private

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: ROYAL LEPAGE NRC REALTY

Source: TRREB/PROPTX · MLS® X13555188

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$290K

Unit 7 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $289,900✓ $1,881 tax✓ Gas✓ 800-899 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,158/mo

incl. closing costs (yr 1)

Annual total

$37,893

year 1

Mortgage only

$1,100/mo

principal + interest

Beyond mortgage

$1,364/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$57,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$157/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~850 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%$2,899/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)$45/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$2,824

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)35% $13,197/yr

Property taxes12% $4,705/yr

Utilities10% $3,960/yr

Insurance & security4% $1,600/yr

Maintenance8% $2,899/yr

Condo fees17% $6,432/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)	$13,197	$1,100/mo
Government & taxes
Property tax	$1,881	$157/mo
Land transfer tax(closing)	$2,824	$235/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%)	$2,899	$242/mo
Condo fees
Condo / HOA fees	$6,432	$536/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	$37,893	$3,158/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 7

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Price movement & seller pressure

Sales History

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Annual costs