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$495K · 2 bed Condo Townhouse · Unit 15, 178 Scott Street, St. Catharines, Ontario L2N 6Y5 | HomeSearchCanada

$495,000

Unit 15

40 DOM

2240d

Map

DOM 40

$495,000

DOM40days

Unit 15

178 Scott Street · St. Catharines · Ontario L2N 6Y5

MLS® X13670932 · 446 - Fairview · L2N 6Y5

22OwnerOccupied1200-1399 ft²Condo Townhouse1-car AttachedFull, Walk-Out40d$381/ft²$4,071 tax/yrFull, Walk-Out

40 days on market

About this home

Dreaming of living at 'The Clusters'? Now is your chance with this move-in ready home at #15 in one of Niagara's most unique townhouse communities! Offering a carefree lifestyle with a beautifully renovated interior and calming, modern cozy vibes from the moment you walk through the door. The heart of the home is the open-concept kitchen, dining and living space, featuring a gorgeous cathedral ceiling and massive windows that give the space an airy feel, while the fireplace creates the perfect s…

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Property details

MLS#: X13670932
Status: Buy Now
Property class: Residential Condo & Other
Beds: 2
Baths: 2 full, 0 half
Rooms: 7 + 1
Kitchens: 1
Size: 1200-1399Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: Full, Walk-Out
Style: 2-Storey
Type: Condo Townhouse
Year built: —Year built not on MLS feed (often MPAC-only on broker systems)

Occupancy: Owner Occupied
Washrooms: 3 pc; 2 pc
Family room: Family room
Central vacuum: Central vacuum
Ensuite laundry: No

Fireplaces: 2
Fireplace features: Electric, Natural Gas

Condo corp #: 18
Balcony: None
Locker: None
Fees include: Water Included, Building Insurance Included, Common Elements Included
Pets: Yes-with Restrictions

Garage: 1-car Attached
Garage spaces: 1
Parking: 3 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Waterfront: No
Exterior: Brick, Wood
Fronting on: —
Cross street: Lake and Scott
Stories: 1
Utilities: —
Laundry: In Basement
Interior: Central Vacuum, On Demand Water Heater
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

Location details

Comparable sales

Neighbourhood SOLDs

Neighbourhood stats

Brokered by: ROYAL LEPAGE NRC REALTY

Source: TRREB/PROPTX · MLS® X13670932

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$495K

Unit 15 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $495,000✓ $4,071 tax✓ Gas✓ 1200-1399 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,689/mo

incl. closing costs (yr 1)

Annual total

$56,271

year 1

Mortgage only

$1,878/mo

principal + interest

Beyond mortgage

$1,822/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$99,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$339/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%$4,950/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)$53/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$6,375

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)40% $22,535/yr

Property taxes19% $10,446/yr

Utilities7% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance9% $4,950/yr

Condo fees14% $7,680/yr

Closing costs9% $5,100/yr

Mortgage is 40% of your true cost of ownership. The other 60% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$22,535	$1,878/mo
Government & taxes
Property tax	$4,071	$339/mo
Land transfer tax(closing)	$6,375	$531/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%)	$4,950	$413/mo
Condo fees
Condo / HOA fees	$7,680	$640/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	$56,271	$4,689/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 15

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Price movement & seller pressure

Sales History

Neighbourhood SOLDs

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Annual costs