$2.20M · 3+2 bed Detached · 439 - Martindale Pond, St. Catharines

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About this home

Waterfront Living!! Take In The Serene Views Of Picturesque Martindale Pond And The World Famous Royal Canadian Henley Rowing Course. Watch Many Species Of Water Fowl & Rowers On The Pond, While You Enjoy The Seasons Unfold. This Spectacular Home Features Over 3500 Sqft Of Living Space, 3+2 Bdrm, 4 Bath Home With Panoramic Waterfront Views, Pool, Decks, Massive Kitchen With Quality Appliances, Floor To Ceiling Windows Throughout And Steps Leading To The Water. Wake Up Every Morning & Enjoy Your…

Property details

MLS#

X13117330

Status

Buy Now

Beds

3+2

Baths

4 full, 0 half

Size

3000-3500

Style

2-Storey

Type

Detached

Year built

—

Roof: Asphalt Shingle
Foundation: Poured Concrete
Property features: Lake/Pond, Marina, Library, Public Transit, School, Waterfront

Fireplace features: Natural Gas

View: Panoramic, Pond, Trees/Woods, Water

Waterfront: Yes
Water view: Direct
Water body: Martindale Pond
Water frontage: 23.47 ft
Shoreline: Rocky
Waterfront features: Motors Restricted

Garage: 2-car Attached
Garage spaces: 2
Parking: 6 total
Lot: 77 × 193
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Pool: Yes
Exterior: Brick, Aluminum Siding · Deck, Privacy, Fishing
Fronting on: West
Cross street: Ontario St
Basement: Finished, Separate Entrance
Stories: —
Utilities: —
Laundry: —
Interior: Water Meter, In-Law Suite, Auto Garage Door Remote
Parking features: Private Double

Level	Room	Dimensions
Main	Living Room	5.44m × 3.63m
Main	Kitchen	4.57m × 8.15m
Main	Dining Room	3.78m × 5.44m
Main	Family Room	3.86m × 8.5m
Second	Laundry	1.32m × 1.88m
Second	Bedroom	2.79m × 3.33m
Second	Bedroom 2	3.56m × 4.24m
Second	Primary Bedroom	9.63m × 8.97m
Second	Office	3.35m × 2.44m

Level

Room

Dimensions

Main

Living Room

5.44m × 3.63m

Main

Kitchen

4.57m × 8.15m

Main

Dining Room

3.78m × 5.44m

Main

Family Room

3.86m × 8.5m

Second

Laundry

1.32m × 1.88m

Second

Bedroom

2.79m × 3.33m

Second

Bedroom 2

3.56m × 4.24m

Second

Primary Bedroom

9.63m × 8.97m

Second

Office

3.35m × 2.44m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $2,200,000✓ $12,500 tax✓ Gas✓ 3000-3500 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$15,718/mo

incl. closing costs (yr 1)

Annual total

$188,618

year 1

Mortgage only

$8,346/mo

principal + interest

Beyond mortgage

$3,458/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$440,000

20%+ required — no CMHC insurance on $1.5M+ homes

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$1,042/mo

Utilities

Hydro / electricity$228/mo

≈ $0.07/ft² × ~3,250 ft² · ON avg ~$228/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%$22,000/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$41,475

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)53% $100,153/yr

Property taxes29% $53,975/yr

Utilities3% $5,790/yr

Insurance & security1% $1,600/yr

Maintenance12% $22,000/yr

Closing costs3% $5,100/yr

Mortgage is 53% of your true cost of ownership. The other 47% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$100,153	$8,346/mo
Government & taxes
Property tax	$12,500	$1,042/mo
Land transfer tax(closing)	$41,475	$3,456/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$2,730	$228/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$22,000	$1,833/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	$188,618	$15,718/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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44 Royal Henley Boulevard

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