428 Phipps Street, Fort Erie, ON

$299,900
MLS#:X13760014
2 beds
1 baths
< 700 sqft
2.0 parking
Residential Freehold
Residential Freehold for sale - 2 Bed, 1 Bath Home at 428 Phipps Street Fort Erie ON listed at $299,900 (MLS# X13760014) - Main View
For Sale
Added:Sep 9, 2026(1 day ago)
Updated:Sep 9, 2026(1 day ago)
Last Checked:24 minutes ago

Property Highlights

Welcome to this remarkable Bungalow detached located in the coveted neighborhood of Central. Expertly crafted featuring premium vinyl siding construction, this residence presents an exceptional opportunity offered at $299,900 to acquire a beautiful home in a highly sought-after setting. Designed for both comfortable daily living and elegant entertaining, the layout maximizes natural light, functional flow, and lifestyle utility.

  • 2 Bedrooms and 1 Bathroom
  • Generous living space spanning < 700 sqft on a premium 33.09 x 165.43 ft lot
  • Features a crawl space, unfinished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 2.0 total parking spaces available
  • Notable attributes: Primary Bedroom - Main Floor
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

Welcome to 428 Phipps Street in Fort Erie! This cute and cozy 2-bedroom, 1-bathroom bungalow sits on a generous 33' x 165' lot. Perfect for first-time buyers looking to take their first step into homeownership, this little home has plenty of charm and is ready for someone to make it their own. With some cosmetic updating and a few personal touches, there is a great opportunity to refresh the space while keeping the character and charm that make this home so inviting. A wonderful little property with a great-sized lot and plenty of potential to become something special.

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Property Summary

This detached home located at 428 Phipps Street, Fort Erie is currently for sale and has been available on SousaSells for 1 day. This property is listed at $299,900 with an estimated mortgage of $998* per month. It has 2 beds, 1 bathroom, and is < 700 square feet. 428 Phipps Street, Fort Erie is in the Central neighborhood.

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* Estimated mortgage assumes a 30% down payment, 4.00% interest rate, and 30-year amortization.
Is this a Good Home for Families?

Ideal for small families, couples, or individuals seeking a manageable and comfortable living layout in Central, Fort Erie.

Great for Small Household / Couples
What We Love About This Home
  • •2 spacious bedroom layout offering versatile living space
  • •1 well-appointed bathroom
  • •< 700 sqft of generous functional square footage
Standout Features & Layout
Who Should Buy This Home?

First-time home buyers, professionals, or investors seeking value.

Target Buyer Match

Key Features

Bedrooms
2
Bathrooms
1
Kitchens
1
Living Area
< 700 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
Price$299,900
AddedSep 9, 2026 (1 day ago)
UpdatedSep 9, 2026 (1 day ago)
Last Checked24 minutes ago
Transaction TypeFor Sale
List Office NameROYAL LEPAGE NRC REALTY

Property Details

Property Sub-TypeDetached
Architectural StyleBungalow
ConstructionVinyl Siding
BasementCrawl Space, Unfinished
Lot Size33.09 × 165.43 Feet
CountyNiagara
Annual Tax$1,895.33
Rental ItemsAll Rental Items (Furnace, A/C, and Hot Water Tank) will be paid out at time of closing
Legal DescriptionPT LT 92 N/S PHIPPS ST PL 525, PT 2 59R1338 ; FORT ERIE

Parking & Garage

Parking Total2.0
Parking Space2
Garage TypeNone

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

  • Public Transit
  • School Bus Route

Interior Features

  • Primary Bedroom - Main Floor

Security Features

None listed

Community Features

None listed

Property History

No historical data available for this property.

This could be the first listing for this address.

Fort Erie Home Buyer Advisory & Market HubActive MLS® Listing in Fort Erie, Ontario

Looking to Buy a Home in Fort Erie?

If you are looking for a house in Fort Erie or researching Fort Erie real estate for sale, this 2-bedroom detached at 428 Phipps Street, Fort Erie, ON offers an exceptional opportunity to buy a home in Fort Erie, Ontario. Whether you are a first-time Fort Erie home buyer or comparing active Fort Erie MLS® homes for sale, working with a dedicated Fort Erie buyer agent ensures you receive priority showing access, unrepresented buyer protection, and aggressive price negotiation.

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Dedicated Fort Erie Buyer Agent

Under Ontario REBBA/TRESA regulations, the listing brokerage is legally bound to the seller's financial interests. Work with an experienced Fort Erie realtor & real estate broker who represents you 100%—at zero cost to you as a buyer.

Fort Erie Buyer Budget & Costs

Estimated mortgage: $998*/month*. Estimated Ontario Land Transfer Tax: $2,974. First-time Fort Erie home buyers may qualify for up to $8,475 in rebates.

Frequently Asked Questions: Buying a Home in Fort Erie

Frequently Asked Questions about 428 Phipps Street, Fort Erie, ON

Q.What is the asking price for 428 Phipps Street, Fort Erie, ON ?

The current listing price for 428 Phipps Street, Fort Erie, ON in Central, Fort Erie is $299,900.

Q.How many bedrooms and bathrooms does this property have?

This property features 2 bedrooms and 1 bathroom across approximately < 700 sqft.

Q.What property type and architectural style is 428 Phipps Street, Fort Erie, ON ?

428 Phipps Street, Fort Erie, ON is a Detached (Bungalow) featuring a Crawl Space, Unfinished basement.

Q.What key property features does 428 Phipps Street, Fort Erie, ON offer?

Key property features include: Public Transit, School Bus Route.

Q.What interior features are included in this home?

Interior highlights include: Primary Bedroom - Main Floor.

Q.Is parking available at this property?

Yes, this property offers parking space for 2.0 vehicles (None).

Q.What heating and cooling systems are installed?

Heating is provided via Gas and cooling via Central Air.

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Location

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428 Phipps Street, Fort Erie, ON

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Neighborhood Safety Index

Neighborhood Safety & Crime Analytics

Central, Fort Erie

SAFETY RATING9.4 / 10
Low Incident Area
Total Annual Incidents35 incidents / yr
Average Per Month2.9 incidents / mo
Population BenchmarkArea Average residents
Personal Safety
Very Low

8 assaults (30.0/100k)

Property Security
Very Low

8 B&E (30.0/100k)

Auto Theft Risk
Low Risk

10 thefts (35.0/100k)

1-Year Trend
â–¼ 6%

Improving vs previous year

How Per-Capita Rate (Per 100,000 Residents) Is Calculated:

Formula: (Annual Occurrences / Population) × 100,000. This standard policing calculation normalizes incident frequencies across different population sizes, allowing accurate safety comparisons between quiet residential pockets and dense urban centres.

Source: Official Police Services ArcGIS Open Data
Halton & GTA Police Network

Disclaimer: Crime and safety analytics are compiled from official municipal and regional police open data records for general consumer informational and demographic research purposes only. Data is deemed reliable but is not guaranteed and does not constitute a legal representation or guarantee of future safety.

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Pricing & Value Insights

Data-driven valuation for 428 Phipps Street, Fort Erie, ON L2A 2V9

Estimated Sales Range
$285,000 - $294,000

Based on 0 recent similar sales in the pocket.

Market Speed
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Properties in this area are selling at a steady pace.

Market Trend
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Mortgage & Affordability Audit

Calculate your monthly payment, minimum downpayment, and land transfer taxes for this home in Fort Erie.

Configure Loan Settings

Interest Rate4.00%
Down Payment$89,970 (30.0%)
* Minimum Canadian down payment required for this price is $14,995.
Amortization Period30 Years
Estimated Monthly Payment$998Based on a loan of $209,930 over 30 years.
Purchase Price$299,900
Loan Amount$209,930
Provincial Land Transfer Tax:$2,974
Total Estimated Closing Taxes:$2,974

About Purchasing a Home in Fort Erie, ON

For a property listed at $299,900 in Fort Erie, the legal minimum down payment is $14,995 under current Canadian banking regulations. This calculation applies a 5% requirement on the first $500,000, 10% on the next $499,999, and a flat 20% on any amount exceeding $1,000,000.

Additionally, buyers in Ontario must budget for the Provincial Land Transfer Tax, which is estimated at $2,974 for this transaction. As this listing is in Fort Erie (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $2,974.

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Central, Fort Erie Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for Central, Fort Erie.

Verified Local Data
City Population2,794,356
City Median Age39.2 Yrs
City Ownership48% Owners
Avg Area List Price$604,279

People & Families

Age Distribution

Household Composition

One-person households
32%
Families with children
36%
Couples without children
24%
Other households
8%

Top Ethnic Origins

Chinese11%
English9%
Canadian8%
East Indian8%

Best Schools in Central, Fort Erie

Elementary Schools

Our Lady of Victory
Public300 Central Avenue, Fort Erie, Ontario, L2A 3T3
5.0
Garrison Road
Public1110 Garrison Road, Fort Erie, Ontario, L2A 1N9
7.8
St Philomena
Public1332 Phillips Street, Fort Erie, Ontario, L2A 3C2
7.3

Secondary Schools

Greater Fort Erie
Public1640 Garrison Road, Fort Erie, Ontario, L2A 5M4
5.5

Central, Fort Erie Demographic Home information

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied48%
Rented52%

Need more details or a custom CMA?

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Notice: Market Insights are generated by analyzing real-time data and should be used for informational purposes only. Consult with a licensed professional for exact valuations.

Disclaimer: AI Insights are generated by an automated system and should be used for informational purposes only. While we strive for accuracy using current market data and deep-learning models, these assessments do not constitute professional real estate, legal, or financial advice. All property values, predictions, and scores are estimates. We strongly recommend verifying all property details and conducting independent due diligence with a licensed professional before making any purchase decisions.

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