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$1.60M · 2+2 bed Condo Townhouse · 437 - Lakeshore, St. Catharines | MyPropertyScout

$1,599,900

45 PEACH TREE COMMON N/A

34 DOM

2+2334d

Map

DOM 34

$1,599,900

DOM34days

45 PEACH TREE COMMON N/A

St. Catharines · Ontario L2N 0B6

MLS® X9409900 · 437 - Lakeshore · L2N 0B6

2+23OwnerOccupied1600-1799 ft²Condo Townhouse2-car Attached34d$941/ft²$6,424 tax/yrBuilt 20233 yrs old

34 days on market

About this home

Luxurious 4 Bedroom Executive Townhouse by Rinaldi Homes. Step into this stunning TRUE end-unit executive bungalow townhouse in the serene Lakeshore area of St. Catharines. This private oasis backs onto a school yard, nestled among towering pines, offering both exclusivity and tranquility. The open-concept main floor blends elegance with functionality. The kitchen is a chef’s dream, featuring white shaker cabinets with walnut accents, a striking black island topped with Cambria quartz countertop…

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Property details

MLS#: X9409900
Status: Conditionally Sold
Beds: 2+2
Baths: 3 full, 0 half
Size: 1600-1799
Style: Bungalow
Type: Condo Townhouse
Year built: —

Roof: Asphalt Shingle
Foundation: Poured Concrete

Fireplaces: 2

Condo corp #: 315
Balcony: None
Locker: None
Fees include: Building Insurance Included, Water Included
Pets: Yes-with Restrictions

Garage: 2-car Attached
Garage spaces: 2
Parking: 4 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Pool: No
Waterfront: No
Exterior: Brick
Fronting on: —
Cross street: Off Lake Street north of Lakeshore
Basement: Finished, Full
Stories: —
Utilities: —
Laundry: —
Interior: Countertop Range, Bar Fridge, On Demand Water Heater, Sump Pump, Water Softener, Central Vacuum
Parking features: Private Double

Additional listing data

ListAOR: Niagara Association of REALTORS

Rooms

Room dimensions are not available for this listing.

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® X9409900

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$1.60M

45 PEACH TREE COMMON N/A · Bryon Bertrim

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $1,599,900✓ $6,424 tax✓ Gas✓ 1600-1799 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$11,504/mo

incl. closing costs (yr 1)

Annual total

$138,050

year 1

Mortgage only

$6,070/mo

principal + interest

Beyond mortgage

$2,604/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$319,980

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

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$535/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~1,700 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%$15,999/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

Condo / HOA fees (mo)$25/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$28,473

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)53% $72,834/yr

Property taxes25% $34,897/yr

Utilities3% $3,960/yr

Insurance & security1% $1,600/yr

Maintenance12% $15,999/yr

Condo fees3% $3,660/yr

Closing costs4% $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)	$72,834	$6,070/mo
Government & taxes
Property tax	$6,424	$535/mo
Land transfer tax(closing)	$28,473	$2,373/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%)	$15,999	$1,333/mo
Condo fees
Condo / HOA fees	$3,660	$305/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	$138,050	$11,504/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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45 PEACH TREE COMMON N/A

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Sales History

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Annual costs