- Bedrooms
- 2
- Bathrooms
- 2
- Size
- 700–1,100sq ft
- Per sq ft
- $444at the range’s middle
- Lot
- 36.66 x 75.75 ft
- Tax a year
- $2,5282026 tax year
- Parking
- 2other
- Days on market
- Members
The brief
About 15 Phipps St
15 Phipps St is a 2-bedroom, 2-bathroom detached house in Central, Fort Erie, listed for sale at an asking price of $399,900 (MLS® X13808404).
This move-in-ready 1.5-storey home is just steps from the Niagara River with views of the Buffalo skyline. Located in a quiet, family-friendly Fort Erie neighbourhood, this low-maintenance property blends character with modern convenience. Featuring 2 bedrooms, 1.5 bathrooms, heated floors throughout the main level, SMART-controlled heat pumps for efficient heating and cooling, and a fully renovated kitchen with updated cabinetry, countertops, backsplash, and included SMART appliances. Recent updates include flooring, bathroom renovation (2023), crawlspace encapsulation (2021), fencing (2022), asphalt driveway + concrete pad (2019), irrigation system (2022), and more. The updated and encapsulated crawlspace provides added peace of mind, without the worry of a traditional basement and its potential for leaks or flooding. Enjoy morning coffee from the front porch, waterfront walks just seconds away, and peaceful year-round views of the river. Detached workshop/living space includes its own heat pump and updated hydro for added flexibility and comfort, with an easy switchover for future garage usage. A fantastic opportunity for buyers seeking lifestyle, comfort, and modern upgrades in a prime location near the water.
Insights
Condition Score
Good78/1002 documented update signals
Source: Listing age, structured features and disclosed update language; not an inspection.
Cashflow Quality
Shortfall39/100−$436/mo against the cost of owning (20% down, 4.8%, 25 yrs)
Source: Median of 8 homes with 2 bedrooms for lease in Central right now. Cost of owning counts the mortgage and property tax.
Condition uses listing-record signals, not an inspection.
The home
Key facts
- Tax
- $2,528 / 2026
- MLS® number
- X13808404
- Board
- TRREB MLS®
- Property Type
- Detached
- Days on market
- Size
- 700-1100 sqft
- Lot Size
- 36.66 x 75.75 ft
- Listed on
- Parking
- Other, 2 Parking
Property details
Property
- Property Type
- Detached
- Style
- 1 1/2 Storey
- Community
- Central
- Municipality
- Fort Erie
Building
- Size
- 700-1100 sqft
- Construction
- Vinyl Siding
Inside
- Bedrooms
- 2
- Bathrooms
- 2
- Bathroom Details
- 1 × 4pc Main, 1 × 2pc 2nd
- Basement Type
- None
- Kitchens
- 1
Parking
- Garage Type
- Other
- Additional Parking
- 2
- Total Parking
- 2
Utilities
- Water
- Municipal
- Cooling
- Wall Unit, Window Unit
- Heating Type
- Baseboard
Land
- Sewer
- Sewers
- Frontage
- 36.66 ft
- Depth
- 75.75 ft
- Lot Size
- 36.66 x 75.75 ft
Additional
- Foundation
- Post & Pad
- Roof
- Shingles
- Fireplace
- No
- Pool
- None
- Den
- Yes
- Family room
- Yes
- Extras
- All appliances, light fixtures, smoke/carbon monoxide detectors, window coverings.
Rooms
| Room | Size | Features | Level |
|---|---|---|---|
| Kitchen | 3.78 × 4.04 m | — | Main |
| Living | 5.79 × 5.03 m | — | Main |
| Bathroom | 1.96 × 2.46 m | — | Main |
| Laundry | 2.67 × 2.87 m | — | Main |
| Mudroom | 1.24 × 2.34 m | — | Main |
| Primary | 4.06 × 3.48 m | — | Upper |
| 2nd Br | 3.12 × 2.87 m | — | Upper |
| Bathroom | 1.12 × 1.47 m | — | Upper |
Listing history
Buy/sell history for 15 Phipps St, Fort Erie, Ontario
Sale history on this site covers the last 2 years, the window permitted under the TRREB MLS® VOW agreement.
| Date Start | Date End | List Price | Price | Event | Listing ID |
|---|---|---|---|---|---|
| Date StartN/A | N/A | $399,900 | N/A | For Sale | X13808404 |
Members see the full history. Prices are hidden from signed-out visitors.
The numbers
Mortgage Calculator
Plan with the current asking price
CMHC insurance: not required at 20% down. Payments use Canadian semi-annual compounding.
Mortgage Details
4.8% · 5-year term · 25-year amortization · 20% down
- Total down payment
- $79,980
- Total mortgage amount
- $319,920
- Total interest payment
- $227,580
- Total purchase cost
- $627,480
- Mortgage payment
- $1,825/mo
Cash Flow Analysis
If you rented this home out at 20% down
Break-even down payment
39%Monthly carrying cost
$2,036- Rent $1,600
- Shortfall $436
Rental income opens at $1,600, the median asking rent of 8 comparable homes for lease in Central. Type over it with the rent you expect. This is a planning tool, not advice.
Land transfer tax on this home
- Ontario land transfer tax
- $4,474
- Total land transfer tax
- $4,474
- First-time buyer rebates (Ontario up to $4,000)
- −$4,000
- Total for first-time buyers
- $474
See how this is worked out
- 0.5% on the first $55,000
- $275
- 1.0% from $55,000 to $250,000
- $1,950
- 1.5% from $250,000 to $399,900
- $2,249
- Ontario total
- $4,474
An estimate at the asking price, for a home with one or two single-family residences. Your lawyer confirms the exact amount.
Estimate
Estimated value requires sign in
Market estimates use sold comparables and are available after you sign in and accept MLS® VOW terms.
The estimate is an automated value built from public and MLS® data. It is not an appraisal; ask Kassaundra Dobson, Broker of Record for a full comparative market analysis.
Comparable sales
Comparable sales require sign in
Closing prices and sold comps are available to registered visitors who accept MLS® VOW terms on this site.
The land
Lot
- Lot area
- 2,777 sq ft258 m²
- Street frontage
- 36.66 ft11.2 m
- Depth
- 75.75 ft23.1 m
The area is the frontage multiplied by the depth, so boundaries are approximate. Confirm with a survey before you buy.
Source: the MLS® listing record, measured by MPAC.
Land and environment
Public records about this location. Not part of the MLS® listing and not provided by the listing brokerage.
Water and conservation3
- No mapped wetland within 120 m120 m
- 1 water-supply well recorded within 250 mIt was drilled for domestic use; 7 test or monitoring holes also recorded. From Ontario’s well records; locations can be approximate. The records do not show how this home gets its water. Wells nearby typically go down about 5.4 m.250 m
- Groundwater recorded about 2.7 m below ground nearbyThe middle water level in the well records within 500 m (43 records). It changes with the season and from spot to spot.500 m
Province of Ontario open data
Planning and building activity2
- Outside the Greenbelt, Oak Ridges Moraine and Niagara Escarpment plan areasAt the address
- Nearest airport: 2.9 km2.9 km
Province of Ontario open data
Around the home2
- Nearest rail line: 360 m360 m
- A trail on the Ontario trail network within 1 km1 km
Province of Ontario open data
Environmental records4
- No licensed pit or quarry within 2 km2 km
- No recorded oil, gas or salt well within 250 m250 m
- No facility within 1 km reports pollutant releases to Environment CanadaThe nearest is Regional Municipality of Niagara — Fort Erie Wastewater Treatment Plant, 1.2 km away. Only facilities above the inventory’s reporting thresholds are listed.1 km
- No federal contaminated site within 1 kmThe federal inventory covers federal land only; it says nothing about provincial or private sites.1 km
Province of Ontario open data · Government of Canada open data
Power and internet3
- Electricity is distributed here by Canadian Niagara Power Inc.At the address
- Wired internet 50/10 Mbps or faster is listed at a household 90 m awayFixed wireless 50/10 Mbps or faster. LTE mobile coverage listed. ISED’s National Broadband Data at the nearest household point (90 m from the listing); 50/10 Mbps is its top category and includes faster plans. Confirm with a provider for this address.90 m
- Across the surrounding area: fibre to the home, cable, DSL internet listedFibre to the home: Bell. Cable: Cogeco Connexion. DSL: Bell. Fixed wireless: Bell, Last Mile Wireless Internet, Rogers, Xplore. Mobile: Bell, Freedom Mobile, Rogers, Telus. Satellite: Xplore. ISED’s list for the surrounding ~25 km² area; check with a provider for this address.Area-wide
Ontario Energy Board · Innovation, Science and Economic Development Canada
Each record is placed at the distance its own line states. None of it is an inspection of the property. Confirm anything that matters to you with the municipality, Niagara Peninsula Conservation Authorityor the record’s publisher.
Contains information licensed under the Open Government Licence – Canada. Contains information licensed under the Open Government Licence – Ontario.
The market
Detached homes for sale in Central right now
- For sale now
- 56
- Median asking price
- $487K
- New in 7 days
- 3
- Price cuts
- 41%
Middle half: $419K to $604K
20 in 28 days
23 listings
This home is asking 18% below the median, lower than three quarters of them.
See all homes in CentralAsking prices and counts of the MLS® listings on this site as of today. Asking figures only, never sold or leased prices.
Market area · filters apply to the charts below
The street
Map and tour
Schools nearby
| Elementary | Type | Distance | EQAO average 2024–25 |
|---|---|---|---|
| Our Lady of Victory Catholic Elementary SchoolNiagara CDSB | Catholic · grades JK–8 | 1.4 km | 71%Grade 6 average |
| Peace Bridge Public SchoolDSB Niagara | Public · grades JK–8 | 2 km | 94%Grade 6 average |
| Garrison Road Public SchoolDSB Niagara | Public · grades JK–8 | 4.5 km | 86%Grade 6 average |
| St Philomena Catholic Elementary SchoolNiagara CDSB | Catholic · grades JK–8 | 5.7 km | 80%Grade 6 average |
| Secondary | Type | Distance | Grade 9 math 2024–25 |
|---|---|---|---|
| Greater Fort Erie Secondary SchoolDSB Niagara | Public · grades 9–12 | 6 km | 52%Grade 9 math |
| Stamford CollegiateDSB Niagara | Public · grades 9–12 | 23 km | 62%Grade 9 math |
| Saint Michael Catholic High SchoolNiagara CDSB | Catholic · grades 9–12 | 24 km | 49%Grade 9 math |
| Westlane Secondary SchoolDSB Niagara | Public · grades 9–12 | 25 km | 66%Grade 9 math |
EQAO: share of students at or above the provincial standard, 2024–25 (Ontario open data). These are the schools nearest this home, not the schools it is assigned to: boundaries change, and some schools take students by application. Confirm with the board before you buy. Contains information licensed under the Open Government Licence – Ontario.
The verdict
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Sold prices in Central are shown to signed-in members.