- Bedrooms
- 3
- Bathrooms
- 1
- Size
- 700–1,100sq ft
- Per sq ft
- $500at the range’s middle
- Lot
- 38.41 x 121.7 ft
- Tax a year
- $2,4262026 tax year
- Parking
- 3none
- Days on market
- Members
The brief
About 45 Phipps St
45 Phipps St is a 3-bedroom, 1-bathroom detached house in Central, Fort Erie, listed for sale at an asking price of $449,900 (MLS® X14032934).
Welcome to 45 Phipps Street, a beautifully refreshed home offering modern finishes, functional living space and a convenient Fort Erie location just steps to the Niagara River. The main floor has been thoughtfully renovated with a bright, open feel throughout, featuring three comfortable bedrooms, stylish flooring and a clean, contemporary bathroom along with the added convenience of main floor laundry. The kitchen is both practical and inviting, complete with stainless steel appliances, a breakfast island and plenty of space for everyday living or casual entertaining. Quality updates can be found throughout the home, including refreshed drywall, updated windows, porcelain tile in the entryway and bathroom and an upgraded bath with a deep tub, modern tile work and a sleek finished look. The lower level offers added flexibility with natural light from the updated basement windows, making it a great option for storage, hobbies, a future rec room or additional living potential. Upstairs, the spacious attic is a standout bonus, offering impressive extra space for storage, hobbies or future finishing possibilities. Outside, the generous backyard size adds even more to love, offering plenty of green space for kids, pets, gardening or summer entertaining. Complete with a deck and storage shed, it's a functional outdoor space with room to enjoy. Tucked into a friendly Fort Erie neighbourhood, this home offers the perfect mix of comfort, convenience and move-in-ready charm. Whether you're a first-time buyer, downsizer or investor, you'll love being close to schools, parks, shopping, restaurants and everyday amenities. A wonderful opportunity to own a welcoming home with style, function and room to make it your own. If you are looking to live close to the water for a fraction of the price, 45 Phipps St could be the one! Book your showing today!
Insights
Condition Score
Good83/1003 documented update signals
Source: Listing age, structured features and disclosed update language; not an inspection.
Cashflow Quality
Strong91/100+$695/mo against the cost of owning (20% down, 4.8%, 25 yrs)
Source: Median of 9 detached homes with 3 bedrooms for lease in Fort Erie right now. Cost of owning counts the mortgage and property tax.
Condition uses listing-record signals, not an inspection.
The home
Key facts
- Tax
- $2,426 / 2026
- MLS® number
- X14032934
- Board
- TRREB MLS®
- Property Type
- Detached
- Days on market
- Size
- 700-1100 sqft
- Lot Size
- 38.41 x 121.7 ft
- Listed on
- Parking
- None, 3 Parking
Property details
Property
- Property Type
- Detached
- Style
- Bungalow
- Community
- Central
- Municipality
- Fort Erie
Building
- Size
- 700-1100 sqft
- Construction
- Vinyl Siding
Inside
- Bedrooms
- 3
- Bathrooms
- 1
- Bathroom Details
- 1 × 4pc Main
- Basement Type
- Full
- Kitchens
- 1
Parking
- Driveway
- Private
- Garage Type
- None
- Additional Parking
- 3
- Total Parking
- 3
Utilities
- Water
- Municipal
- Cooling
- Central Air
- Heating Type
- Forced Air
Land
- Sewer
- Sewers
- Frontage
- 38.41 ft
- Depth
- 121.7 ft
- Lot Size
- 38.41 x 121.7 ft
Additional
- Foundation
- Block
- Roof
- Asphalt Shingle
- Fireplace
- No
- Pool
- None
- Den
- Yes
- Family room
- Yes
- Extras
- Fridge, Stove, Dishwasher, Washer, Dryer, All ELF's, All Window Coverings.
Rooms
| Room | Size | Features | Level |
|---|---|---|---|
| Living | 3.59 × 4.96 m | — | Main |
| Dining | 3.75 × 3.38 m | — | Main |
| Kitchen | 3.79 × 4.62 m | — | Main |
| Bathroom | 2.0 × 1.53 m | — | Main |
| Laundry | 3.56 × 3.32 m | — | Main |
| Primary | 3.76 × 2.81 m | — | Main |
| 2nd Br | 2.92 × 2.81 m | — | Main |
| 3rd Br | 3.07 × 2.81 m | — | Main |
Listing history
Buy/sell history for 45 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 | $449,900 | N/A | For Sale | X14032934 |
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
- $89,980
- Total mortgage amount
- $359,920
- Total interest payment
- $255,980
- Total purchase cost
- $705,880
- Mortgage payment
- $2,053/mo
Cash Flow Analysis
If you rented this home out at 20% down
Break-even down payment
—Monthly carrying cost
$2,255- Carrying cost $2,255
- Surplus $695
Rental income opens at $2,950, the median asking rent of 9 comparable homes for lease in Fort Erie. 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
- $5,473
- Total land transfer tax
- $5,473
- First-time buyer rebates (Ontario up to $4,000)
- −$4,000
- Total for first-time buyers
- $1,473
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 $400,000
- $2,250
- 2.0% from $400,000 to $449,900
- $998
- Ontario total
- $5,473
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
- 4,674 sq ft434 m²
- Street frontage
- 38.41 ft11.7 m
- Depth
- 121.7 ft37.1 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 GeoWarehouse.
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; 2 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: 2.7 km2.7 km
Province of Ontario open data
Around the home2
- Nearest rail line: 380 m380 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, 1.1 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 50 m awayFixed wireless 50/10 Mbps or faster. LTE mobile coverage listed. ISED’s National Broadband Data at the nearest household point (50 m from the listing); 50/10 Mbps is its top category and includes faster plans. Confirm with a provider for this address.50 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 8% below the median.
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 | 1.9 km | 94%Grade 6 average |
| Garrison Road Public SchoolDSB Niagara | Public · grades JK–8 | 4.3 km | 86%Grade 6 average |
| St Philomena Catholic Elementary SchoolNiagara CDSB | Catholic · grades JK–8 | 5.6 km | 80%Grade 6 average |
| Secondary | Type | Distance | Grade 9 math 2024–25 |
|---|---|---|---|
| Greater Fort Erie Secondary SchoolDSB Niagara | Public · grades 9–12 | 5.9 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.