$1.35M · 3 bed Detached · 208 - Mt. Carmel, Niagara Falls

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About this home

Nestled in the highly desirable Mount Carmel neighbourhood, this exceptional executive large family home offers the perfect blend of comfort and family living in one of the area's most established and sought-after communities. Known for its quiet tree-lined streets, beautiful homes, parks, top-rated schools, and convenient access to shopping, wineries, golf courses, and major highways, Mount Carmel continues to be one of the most prestigious places to call home. Positioned on an impressive overs…

Property details

MLS#

X13106656

Status

Buy Now

Beds

Baths

4 full, 0 half

Size

2000-2500

Style

2-Storey

Type

Detached

Year built

—

Roof: Asphalt Shingle
Foundation: Poured Concrete
Other structures: Garden Shed
Property features: Fenced Yard, Golf

Fireplace features: Natural Gas

Garage: 2-car Attached
Garage spaces: 2
Parking: 6 total
Lot: 83.85 × 150.34
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Pool: No
Waterfront: No
Exterior: Stucco (Plaster), Vinyl Siding
Fronting on: South
Cross street: Kalar Rd & Mt Caremel Bvd
Basement: Finished
Stories: —
Utilities: —
Laundry: —
Interior: Central Vacuum
Parking features: Private Double

Rooms

Level	Room	Dimensions
Main	Foyer	5.43m × 2.79m
Main	Dining Room	3.71m × 4.23m
Main	Living Room	5.99m × 4.22m
Main	Breakfast	4.27m × 3.53m
Main	Kitchen	3.33m × 4.49m
Main	Office	3.15m × 4.5m
Main	Bathroom	1.48m × 1.51m
Second	Primary Bedroom	6.2m × 4.21m
Second	Bathroom	3.15m × 2.54m
Second	Bedroom	3.71m × 4.5m
Second	Bedroom	3.85m × 3.44m
Second	Bathroom	2.54m × 2.27m
Basement	Family Room	9.7m × 3.59m
Basement	Living Room	4.9m × 3.71m
Basement	Bathroom	2.15m × 4.23m
Basement	Den	3.15m × 3.71m
Basement	Utility Room	5.37m × 4.22m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $1,350,000✓ $8,325 tax✓ Gas✓ 2000-2500 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$9,867/mo

incl. closing costs (yr 1)

Annual total

$118,408

year 1

Mortgage only

$5,121/mo

principal + interest

Beyond mortgage

$2,331/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$270,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$694/mo

Utilities

Hydro / electricity$158/mo

≈ $0.07/ft² × ~2,250 ft² · ON avg ~$158/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%$13,500/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$23,475

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)52% $61,458/yr

Property taxes27% $31,800/yr

Utilities4% $4,950/yr

Insurance & security1% $1,600/yr

Maintenance11% $13,500/yr

Closing costs4% $5,100/yr

Mortgage is 52% of your true cost of ownership. The other 48% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$61,458	$5,121/mo
Government & taxes
Property tax	$8,325	$694/mo
Land transfer tax(closing)	$23,475	$1,956/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$1,890	$158/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$13,500	$1,125/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	$118,408	$9,867/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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8056 Cathedral Drive

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Property details

Rooms

Sales History

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Annual costs