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459 - Ridley, St. Catharines
$524,900
PRICED TO SELL! This large two storey home is perfect for those wanting to get into the housing market at a great price point. Clean, bright and ready for occupancy, this home boasts three bedrooms, 2 bathrooms and a large attic flex space that could be a rec room, an office, a play room for the kids or make it a large fourth bedroom. This home has been lovingly cared for, with a cozy feel and it is located in the beautiful Ridley area of St. Catharines. It is also centrally located, close to the Downtown core, Ridley College and the GO station. Around the corner is the popular Martindale and Fourth Avenue area which has numerous restaurants and shopping options. DRY partially finished basement offers a two piece bathroom and laundry area. Added space should you wish to finish it! Step out back and enjoy the fully fenced yard and cozy deck area. The detached garage has hydro and could also be used as an office space or workshop for the handyman enthusiast. Opportunities are endless in this beautiful home.
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Listing History
Could you afford this home?
What the bank counts
This home's actual carrying costs, payment stress-tested at 6%
- Mortgage, tested at 6%
- $2,687
- Property tax
- $324
- Heat allowance
- $150
- Housing costs
- $3,161 / mo
Lenders cap these at 39% of gross income — that sets the number.
Income needed
$97,000
gross annual household income
- Payment at 4%
- $2,209 / mo
- Cash down
- $104,980
Assumes no other monthly debts · 25-yr amortization
Full affordability checkInvestment Analysis
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