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$700K · 2 bed Condo Townhouse · 437 - Lakeshore, St. Catharines | MyPropertyScout

$699,900

Unit 7

24Vacant

Map

$699,900

B●●●○○

Unit 7

14 Emerald Common · St. Catharines · Ontario L2M 1R8

MLS® X12688538 · 437 - Lakeshore · L2M 1R8

24Vacant1600-1799 ft²Condo Townhouse1-car Attached$412/ft²Lot 0.07$6,782 tax/yrBuilt 200323 yrs old

4% below market

Scoring based on Property Scout Neighbourhood Intelligence — use as guidance only, sometimes it's not so intelligent 👍

About this home

Welcome to this beautifully maintained attached row bungaloft offering the perfect blend of comfort, function, and low-maintenance living. Featuring 2 spacious bedrooms and 3.5 bathrooms, this thoughtfully designed home boasts a bright main level with seamless flow for everyday living and entertaining. The bungaloft layout provides flexibility and privacy, ideal for downsizers, first time homebuyers, or professionals alike. The fully finished basement adds valuable living space-perfect for a fam…

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Property details

MLS#: X12688538
Status: Buy Now
Beds: 2
Baths: 4 full, 0 half
Size: 1600-1799
Style: Bungaloft
Type: Condo Townhouse
Year built: —

Roof: Asphalt Shingle
Foundation: Poured Concrete

Condo corp #: 213
Balcony: None
Locker: None
Fees include: Water Included, Common Elements Included, Parking Included
Pets: Yes-with Restrictions

Garage: 1-car Attached
Garage spaces: 1
Parking: 4 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick, Stucco (Plaster)
Fronting on: —
Cross street: Lakeshore Rd & Willcher Dr
Basement: Finished
Stories: —
Utilities: —
Laundry: Inside
Interior: None, Other
Parking features: —

Rooms

Room dimensions are not available for this listing.

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: RE/MAX NIAGARA REALTY LTD, BROKERAGE

Source: TRREB/PROPTX · MLS® X12688538

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$700K

Unit 7 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $699,900✓ $6,782 tax✓ Gas✓ 1600-1799 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$6,199/mo

incl. closing costs (yr 1)

Annual total

$74,384

year 1

Mortgage only

$2,655/mo

principal + interest

Beyond mortgage

$2,212/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$139,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$565/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,700 ft² · ON avg ~$75/mo

Gas$125/mo

Typical ON gas-heated home · ~$125/mo

Water / sewer$60/mo

ON municipal avg ~$60/mo

Internet / TV / phone$70/mo

ON internet/TV avg ~$70/mo

Maintenance & upkeep

Maintenance reserve1.0%$6,999/yr

1% of value/yr — standard reserve

Landscaping & snow$0/mo

Landscaping & snow removal · $0 default

Home insurance$100/mo

$100/mo default · adjust for your home

Security system$0/mo

Optional monitoring · $0 default

Condo / HOA fees (mo)$53/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$10,473

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)43% $31,862/yr

Property taxes23% $17,255/yr

Utilities5% $3,960/yr

Insurance & security2% $1,600/yr

Maintenance9% $6,999/yr

Condo fees10% $7,608/yr

Closing costs7% $5,100/yr

Mortgage is 43% of your true cost of ownership. The other 57% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$31,862	$2,655/mo
Government & taxes
Property tax	$6,782	$565/mo
Land transfer tax(closing)	$10,473	$873/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$6,999	$583/mo
Condo fees
Condo / HOA fees	$7,608	$634/mo
Closing costs (one-time)
Legal / lawyer(closing)	$2,500	$208/mo
Home inspection(closing)	$600	$50/mo
Moving costs(closing)	$2,000	$167/mo
Total	$74,384	$6,199/mo

Listing facts below · Ontario averages for utilities — drag sliders to match your home. CMHC added to loan principal only — not double-counted in chart.

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Unit 7

About this home

MyStreetValue™ Analysis

Property details

Rooms

Sales History

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Annual costs