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$770K · 3+1 bed Detached · 443 - Lakeport, St. Catharines | MyPropertyScout

$769,999

38 Albany Drive

104 DOM

3+12104d

Map

⚡ Insider Deal

DOM 104

↓ $19KMotivated SellerPoolPrice Reduced

$769,999

↓ $19KMotivated Seller

DOM104days

38 Albany Drive

St. Catharines · Ontario L2N 3T5

MLS® X12908412 · 443 - Lakeport · L2N 3T5

3+12OwnerOccupied700-1100 ft²DetachedNoneFinished, Full, Separate EntrancePool104d$856/ft²Lot 65 x 116.4 ft$4,592 tax/yrFinished, Full, Separate Entrance

104 days on market

About this home

Welcome Home to Effortless Living in the Heart of North End St. Catharines! From the moment you step inside, you'll feel the warmth and care that have gone into every corner of this beautifully updated bungalow. Perfectly designed for those starting their next chapter-whether it's a young family's first home or a couple ready to slow down and enjoy life-this home offers comfort, style, and peace of mind in one inviting package. The open-concept main floor is bright and airy, featuring wide-plank…

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Property details

MLS#: X12908412
Status: Buy Now
Property class: Residential Freehold
Beds: 3+1
Baths: 2 full, 0 half
Rooms: 6
Kitchens: 1
Size: 700-1100Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: Finished, Full, Separate Entrance
Style: Bungalow
Type: Detached
Year built: —Year built not on MLS feed (often MPAC-only on broker systems)

PIN: 462350269
Roll / ARN: 262906002313700

Occupancy: Owner Occupied
Washrooms: 3 pc · Main; 3 pc · Basement
Family room: No
Central vacuum: No
Ensuite laundry: No

Roof: Asphalt Shingle
Foundation: Block

Garage: None
Garage spaces: 0
Parking: 7 total
Lot: 65 × 116.4
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Pool: Yes
Waterfront: No
Exterior: Vinyl Siding
Fronting on: West
Cross street: Geneva St and Linwell Rd
Stories: —
Utilities: —
Laundry: —
Interior: Guest Accommodations, Water Heater Owned
Parking features: —

Rooms

Room dimensions are not available for this listing.

Seller signals

Price movement & seller pressure

↓ $19KPrice reduction

MLS shows the seller reduced the asking price by $19,001 (from $789,000 to $769,999).

Motivated SellerWhy this label

104 days on market — Listing has been active for 104 days — extended time on market can signal seller pressure.

Labels reflect MLS fields and listing history in our database — not an opinion on fair market value.

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: ONE PERCENT REALTY LTD.

Source: TRREB/PROPTX · MLS® X12908412

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$770K

38 Albany Drive · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $769,999✓ $4,592 tax✓ Gas✓ 700-1100 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$5,823/mo

incl. closing costs (yr 1)

Annual total

$69,881

year 1

Mortgage only

$2,921/mo

principal + interest

Beyond mortgage

$1,454/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$154,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$383/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~900 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%$7,700/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

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$11,875

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)50% $35,054/yr

Property taxes24% $16,467/yr

Utilities6% $3,960/yr

Insurance & security2% $1,600/yr

Maintenance11% $7,700/yr

Closing costs7% $5,100/yr

Mortgage is 50% of your true cost of ownership. The other 50% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$35,054	$2,921/mo
Government & taxes
Property tax	$4,592	$383/mo
Land transfer tax(closing)	$11,875	$990/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%)	$7,700	$642/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	$69,881	$5,823/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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38 Albany Drive

About this home

MyStreetValue™ Analysis

Property details

Rooms

Price movement & seller pressure

Sales History

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Annual costs