196 FIRST ST LOUTH N/A, St. Catharines, ON
L2S 0A6
Listed July 24, 2026
About this property
3 Bedroom 2 full washrooms 4 level backsplit approximately 2000 living space family room with gas fire place and 3 piece washroom in prime west end location very well kept . many upgrades over the time. very close to hospital, schools, shopping freshly painted. family room walkout to backyard, highly rated schools and much more. The cozy lower-level family room features a warm gas fireplace and a walk-out to the backyard, perfect for extending your living space. An additional lower level is thoughtfully set up with laundry and bonus living space. Sump Pumps, Central vacuum as is never used, Sprinkler system,
Features
Property Details
Listing
Property
Location
Taxes & Financials
Cost of Ownership Calculator
What it could cost each month to own 196 FIRST ST LOUTH N/A — mortgage, property taxes, fees, insurance, utilities and upkeep. Change any number to match your situation.
Your mortgage
$140,000 · Minimum $45,000
Use the rate your lender or broker quotes you.
Monthly costs
From the listing (2025 tax bill).
Leave at $0 if there isn't one.
Typical for this kind of home.
Hydro, heating, water and sewer.
About 1% of the price a year, set aside.
One-time costs
A typical estimate — your lawyer will confirm.
Estimated monthly cost of ownership
$4,578/mo
About $54,936 a year
- $3,096
- $444
- Home insurance$125
- Utilities$330
- Maintenance & repairs$583
Cash needed to close
- Down payment (20%)
- $140,000
- Ontario land transfer tax
- $10,475
- Legal fees, title insurance & inspectionEstimate
- $2,500
- Total
- $152,975
Estimates only — not a mortgage approval, quote or tax advice. Payments assume a fixed rate compounded semi-annually; minimum down payments, mortgage insurance and land transfer tax follow current CMHC and Ontario rules. Insurance, utilities and upkeep are typical figures for the area. Your lender, lawyer and insurer will confirm your exact costs.
Location & Walkability
196 FIRST ST LOUTH N/A, St. Catharines, ON
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Last Updated: July 24, 2026
Listing Office: HOMELIFE/MIRACLE REALTY LTD
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