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$600K · 4 bed Detached · 437 - Lakeshore, St. Catharines | MyPropertyScout

$599,900

16 Croydon Drive

37 DOM

4237d

Map

⚡ Insider Deal

DOM 37

↓ $30KPrice Reduced

$599,900

↓ $30K

DOM37days

16 Croydon Drive

St. Catharines · Ontario L2M 1J2

MLS® X13216982 · 437 - Lakeshore · L2M 1J2

42OwnerOccupied700-1100 ft²DetachedNoneSeparate Entrance, Finished37d$667/ft²Lot 52.1 x 108.5 ft$4,769 tax/yrBuilt 195175 yrs oldSeparate Entrance, Finished

37 days on market

About this home

Introducing 16 Croydon Drive, located in the highly desirable North End of St. Catharines. Close to Sunset Beach and Lake Ontario. Offering 3+1 bedrooms and a well-designed layout, this home is ideal for families, first-time buyers, or investors looking for flexible living space. Step inside to a bright and inviting living room featuring large windows that fill the space with natural light and highlight the warm hardwood flooring. The adjacent dining room provides a perfect setting for family me…

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Property details

MLS#: X13216982
Status: Buy Now
Property class: Residential Freehold
Beds: 4
Baths: 2 full, 0 half
Rooms: 11
Kitchens: 1
Size: 700-1100Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: Separate Entrance, Finished
Style: Sidesplit
Type: Detached
Year built: 1951

PIN: 463000516
Roll / ARN: 262905003013300

Occupancy: Owner Occupied
Washrooms: 4 pc; 2 pc
Family room: Family room
Central vacuum: No
Ensuite laundry: No

Roof: Shingles
Foundation: Poured Concrete
Property features: Fenced Yard, Park, School

Garage: None
Garage spaces: 0
Parking: 2 total
Lot: 52.09 × 108.5
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Pool: No
Waterfront: No
Exterior: Stone, Vinyl Siding · Landscaped
Fronting on: South
Cross street: Arthur St. and St Louis Place
Stories: —
Utilities: —
Laundry: —
Interior: Carpet Free, Storage, Water Heater, In-Law Capability
Parking features: —

Additional listing data

ListAOR: Niagara Association of REALTORS

Rooms

Level	Room	Dimensions
Main	Family Room	3.66m × 5.79m
Main	Kitchen	3.26m × 3.11m
Main	Dining Room	2.68m × 3.44m
Upper	Primary Bedroom	3.35m × 3.35m
Upper	Bedroom 2	2.47m × 2.78m
Upper	Bedroom 3	3.35m × 3.35m
Lower	Bedroom 4	3.08m × 3.26m
Lower	Bathroom	2.16m × 0.91m
Lower	Recreation	5.82m × 3.38m
Sub-Basement	Laundry	7.04m × 5.49m

Seller signals

Price movement & seller pressure

↓ $30KPrice reduction

MLS shows the seller reduced the asking price by $30,000 (from $629,900 to $599,900).

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: RE/MAX NIAGARA REALTY LTD, BROKERAGE

Source: TRREB/PROPTX · MLS® X13216982

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$600K

16 Croydon Drive · Bryon Bertrim

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $599,900✓ $4,769 tax✓ Gas✓ 700-1100 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,768/mo

incl. closing costs (yr 1)

Annual total

$57,211

year 1

Mortgage only

$2,276/mo

principal + interest

Beyond mortgage

$1,327/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$119,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$397/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%$5,999/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$8,473

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)48% $27,310/yr

Property taxes23% $13,242/yr

Utilities7% $3,960/yr

Insurance & security3% $1,600/yr

Maintenance10% $5,999/yr

Closing costs9% $5,100/yr

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

Full breakdown

Mortgage & financing
Mortgage (P+I)	$27,310	$2,276/mo
Government & taxes
Property tax	$4,769	$397/mo
Land transfer tax(closing)	$8,473	$706/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%)	$5,999	$500/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	$57,211	$4,768/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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16 Croydon Drive

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Price movement & seller pressure

Sales History

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Annual costs