239 Phipps Street, Fort Erie, ON
L2A 2V4
Listed November 12, 2026
About this property
Classic 1.5-storey brick home just steps from the scenic Niagara River and Parkway trails. Inside, you'll appreciate how well this home has been cared for, highlighted by a bright, renovated kitchen complete with newer appliances (fridge, stove, dishwasher, and microwave all updated in 2025). Major mechanical updates over the last two years take all the guesswork out of moving in, including a new furnace, central A/C, on-demand hot water, and an updated electrical panel-plus a whole-home Generac generator (~3 yrs) and central vac (1 yr).The functional layout features a comfortable main-floor bedroom, with two more bedrooms and a 3-piece bath upstairs. Downstairs, the finished basement adds fantastic extra living space with a welcoming rec room, custom bar setup for game nights, and a second 3-piece bath/laundry combo conveniently located just a quick flight down from the main level. You'll love the generous lot featuring an outdoor firepit area, plus two incredible outbuildings: a detached double garage with a hydro-equipped loft (ready for a garage door conversion or an awesome workshop), and a dedicated "she-shed" with hydro and its own covered porch for relaxing, crafting, or extra storage. Finished with abundant parking and room to park your boat or trailer, this move-in-ready package is ready for its next chapter!
Features
Property Details
Listing
Property
Location
Taxes & Financials
Cost of Ownership Calculator
What it could cost each month to own 239 Phipps Street — mortgage, property taxes, fees, insurance, utilities and upkeep. Change any number to match your situation.
Your mortgage
$95,000 · Minimum $23,750
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
$3,163/mo
About $37,956 a year
- $2,101
- $211
- Home insurance$125
- Utilities$330
- Maintenance & repairs$396
Cash needed to close
- Down payment (20%)
- $95,000
- Ontario land transfer tax
- $5,975
- Legal fees, title insurance & inspectionEstimate
- $2,500
- Total
- $103,475
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
239 Phipps Street, Fort Erie, ON
Map data © GoogleOpen in Google Maps ↗
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Last Updated: November 12, 2026
Listing Office: RE/MAX NIAGARA REALTY LTD, BROKERAGE
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