$370K · 1 bed Condo Apartment · 443 - Lakeport, St. Catharines

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About this home

Enjoy easy, affordable living in this Luxurious and spacious 1-bedroom condo with east exposure and beautiful city views. The open-concept living and dining area is filled with natural light from large windows, creating a warm and inviting space to relax or entertain. Features include in-suite laundry, central air, underground parking, in-suite storage, additional storage locker, Furnace replaced in October 2023. Located in one of St. Catharine's' well-maintained and predominantly owner-occupied…

Property details

MLS#

X13162712

Status

Buy Now

Property class

Residential Condo & Other

Beds

Baths

1 full, 0 half

Rooms

Kitchens

Size

700-799Exact finished sqft not on MLS feed (often MPAC-only on broker systems)

Basement

Full

Style

Apartment

Type

Condo Apartment

Year built

1985

Occupancy: Vacant
Washrooms: 4 pc · Main
Family room: No
Central vacuum: Central vacuum
Ensuite laundry: No

Roof: Tar and Gravel
Property features: Cul de Sac/Dead End, Fenced Yard, Public Transit, Hospital, Park, Place Of Worship

Fireplaces: 0

View: Skyline, City

Condo corp #: 62
Balcony: None
Locker: Exclusive
Association amenities: Car Wash, Guest Suites, Gym, Outdoor Pool, Party Room/Meeting Room, Community BBQ
Fees include: Common Elements Included, Parking Included, Water Included, Building Insurance Included, Cable TV Included
Pets: Yes-with Restrictions

Garage: 142-car Underground
Garage spaces: 142
Parking: 1 total
Heating: Forced Air
Heating fuel: Electric
Cooling: Central Air
Waterfront: No
Exterior: Stucco (Plaster) · Built-In-BBQ, Controlled Entry, Patio, Recreational Area, Seasonal Living, Landscaped
Fronting on: —
Cross street: LAKE ST.
Stories: 5
Utilities: —
Laundry: Ensuite
Interior: Carpet Free, Guest Accommodations, Storage, Storage Area Lockers, Wheelchair Access, Auto Garage Door Remote, Central Vacuum, Intercom, Separate Heating Controls
Parking features: —

Level	Room	Dimensions
Main	Living Room	3.66m × 4.39m
Main	Dining Room	2.26m × 4.88m
Main	Kitchen	2.38m × 2.58m
Main	Primary Bedroom	3.49m × 4.26m
Main	Bathroom	1.52m × 2.36m
Main	Foyer	1.32m × 1.34m
Main	Utility Room	1.22m × 1.74m

Level

Room

Dimensions

Main

Living Room

3.66m × 4.39m

Main

Dining Room

2.26m × 4.88m

Main

Kitchen

2.38m × 2.58m

Main

Primary Bedroom

3.49m × 4.26m

Main

Bathroom

1.52m × 2.36m

Main

Foyer

1.32m × 1.34m

Main

Utility Room

1.22m × 1.74m

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $369,900✓ $3,215 tax✓ Electric✓ 700-799 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,718/mo

incl. closing costs (yr 1)

Annual total

$44,611

year 1

Mortgage only

$1,403/mo

principal + interest

Beyond mortgage

$1,521/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$73,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$268/mo

Utilities

Hydro / electricity$75/mo

≈ $0.13/ft² × ~750 ft² · incl. electric heat

Heat$0/mo

Electric heat — no gas service · see hydro

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%$3,699/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$4,024

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)38% $16,839/yr

Property taxes16% $7,239/yr

Utilities6% $2,460/yr

Insurance & security4% $1,600/yr

Maintenance8% $3,699/yr

Condo fees17% $7,674/yr

Closing costs11% $5,100/yr

Mortgage is 38% of your true cost of ownership. The other 62% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$16,839	$1,403/mo
Government & taxes
Property tax	$3,215	$268/mo
Land transfer tax(closing)	$4,024	$335/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$3,699	$308/mo
Condo fees
Condo / HOA fees	$7,674	$639/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	$44,611	$3,718/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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