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$975K · 2+1 bed Semi-Detached Condo · 105 - St. Davids, Niagara-on-the-Lake | MyPropertyScout

$975,000

Unit 10

38 DOM

2+1338d

Map

DOM 38

$975,000

A●●●○○DOM38days

Unit 10

19 Hillside Drive · Niagara-on-the-Lake · Ontario L0S 1J0

MLS® X13165306 · 105 - St. Davids · L0S 1J0

2+13OwnerOccupied1200-1399 ft²Semi-Detached Condo2-car Attached38d$750/ft²Lot 33,666$5,162 tax/yrBuilt 201313 yrs old

16% below market · 38 days on 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 upgraded bungalow townhome in the prestigious Harvest Creek community of St. David's. This sought-after model features a double car garage, walkout basement, and stunning views of a wooded area and tranquil creek. The open-concept main floor showcases cathedral ceilings, hardwood and tile flooring, oversized windows, and a spacious living area with gas fireplace. The gourmet kitchen offers granite countertops, large island, modern sink, and seamless flow to the dining…

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Property details

MLS#: X13165306
Status: Buy Now
Beds: 2+1
Baths: 3 full, 0 half
Size: 1200-1399
Style: Bungalow
Type: Semi-Detached Condo
Year built: —

Roof: Asphalt Shingle
Foundation: Concrete
Property features: River/Stream, School, Wooded/Treed, Golf, Park, School Bus Route

Fireplaces: 1
Fireplace features: Natural Gas

View: Trees/Woods, Creek/Stream

Condo corp #: 214
Balcony: Terrace
Locker: None
Fees include: Common Elements Included, Parking Included
Pets: Yes-with Restrictions

Garage: 2-car Attached
Garage spaces: 2
Parking: 4 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Waterfront: No
Exterior: Brick, Aluminum Siding · Landscaped, Lawn Sprinkler System, Year Round Living, Deck
Fronting on: —
Cross street: Four Mile Creek and Creekside
Basement: Finished with Walk-Out
Stories: 1
Utilities: —
Laundry: In Hall, Inside
Interior: Air Exchanger, Auto Garage Door Remote, Central Vacuum, Primary Bedroom - Main Floor, Carpet Free
Parking features: Private, Mutual

Rooms

Level	Room	Dimensions
Main	Kitchen	16.9m × 15.65m
Main	Living Room	21.82m × 16.99m
Main	Bedroom	16.9m × 11.98m
Main	Bathroom	6.5m × 10.5m
Main	Bedroom 2	10.89m × 14.83m
Main	Bathroom	6.5m × 8.1m
Main	Dining Room	8.83m × 10.89m
Basement	Bedroom 3	14.47m × 10.99m
Basement	Recreation	33.5m × 33.14m
Basement	Bathroom	5.1m × 9.8m

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: NU-VISTA PINNACLE REALTY BROKERAGE INC

Source: TRREB/PROPTX · MLS® X13165306

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$975K

Unit 10 · Bryon Bertrim

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $975,000✓ $5,162 tax✓ Gas✓ 1200-1399 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$7,431/mo

incl. closing costs (yr 1)

Annual total

$89,173

year 1

Mortgage only

$3,699/mo

principal + interest

Beyond mortgage

$1,943/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$195,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$430/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,300 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%$9,750/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)$23/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$15,975

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)50% $44,386/yr

Property taxes24% $21,137/yr

Utilities4% $3,960/yr

Insurance & security2% $1,600/yr

Maintenance11% $9,750/yr

Condo fees4% $3,240/yr

Closing costs6% $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)	$44,386	$3,699/mo
Government & taxes
Property tax	$5,162	$430/mo
Land transfer tax(closing)	$15,975	$1,331/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%)	$9,750	$813/mo
Condo fees
Condo / HOA fees	$3,240	$270/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	$89,173	$7,431/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 10

About this home

MyStreetValue™ Analysis

Property details

Rooms

Sales History

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Annual costs