105 ELMA Street, St. Catharines, ON L2N 6Z8
St. Catharines, ON L2N 6Z8
Quick cost estimateKnown monthly subtotal$3,671.84 / monthLand transfer tax $10,455One-time estimate
Quick cost estimate
$3,671.84 / monthKnown monthly subtotal
- Mortgage principal & interest
- $3,252.34
- Property tax / month
- $419.50
- Maintenance / month
- Period / amount not reported
Assumes 20% down, 5% annual interest and 25-year amortization. Illustrative rate, not a current quote.
Unknown expenses excluded. Mortgage insurance and closing costs are excluded; add insurance and utilities in the assumptions.
Land transfer tax · one time
- Transfer tax total
- $10,455
Before rebates, surcharges and fees. Not part of the monthly subtotal.
Tax assumptions & breakdown
Toronto municipal land transfer tax does not apply to this listing outside the City of Toronto.
- Ontario tax
- $10,455
- Toronto municipal tax
- $0
Current purchase scenario, before rebates, foreign-buyer taxes and fees. Confirm residence classification. Not historical tax paid; excluded from the monthly subtotal.
Ontario rates · Toronto rates (April 2026)
Eligible first-time purchasers may qualify for an Ontario land transfer tax refund of up to $4,000. Toronto buyers may also qualify for a separate municipal rebate of up to $4,475. Eligibility varies and these maximums are not guaranteed savings. See official eligibility links and details.
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About this home
Move in just in time before Christmas! 5 things you'll love about this 5 Bed, 2 Bath Raised Bungalow at this price point. 1 Location, location, location, prime north end St.Catherines neighbourhood close to all possible amenities. 2. Zero water or sewage damage from this summer, house is flood free. 3. In-law capabilities with separate entrance off side patio to the lower level. 5th bedroom can be converted back to Rec Room or use as is. 4.Concrete driveway 3 cars wide to fit all the family vehicles, with room to store your boat/trailer, or jet skis. 5. Total turn key with nothing to do but move in and enjoy. Hard surface flooring throughout with no carpet. Main floor consists of a spacious open concept feel with upgraded kitchen, roomy living room & dining room. 3 spacious bedrooms and 4 pc. bathroom. Lower level consists of separate side entrance, 2 large bedrooms (5th bedroom converted from Rec Room , can also be used as a Rec Room again if a 5th bedroom is not needed. Large laundry room with room to add kitchen if desired. Private backyard is fully fenced with a 12'x 18' deck with Gazebo stepping down to another 12'x18' paver stone patio. House is a pleasure to view, fully updated inside and out you wont be disappointed!
Home details
- Days on market
- Not reported
- Property type
- Detached
- MLS® number
- X14120486
- Source status
- New
- Bedrooms
- 5
- Bathrooms
- 2
- Postal code
- L2N 6Z8
- Kitchens
- 1
- Kitchens above grade
- 1
- Kitchens below grade
- 0
- Family room / den
- Yes
- Interior size (reported range)
- 700-1100 (units not reported)
- Lot size
- < .50 acres (reported range)
- Lot depth
- 100 ft
- Garage parking spaces
- Not reported
- Total parking spaces
- 5
- Occupancy
- Owner
- Possession type
- 30-59 days
- Garage
- Attached
- Annual property tax
- 5034
- Basement
- Finished, Full
- Interior features
- Accessory Apartment, Carpet Free, In-Law Capability
- Architectural style
- Bungalow-Raised
- Parking features
- Private Double, Other
- Pool features
- None
- Fireplace
- No
- Waterfront
- No
- Elevator
- No
- Garage available
- Yes
- Heating system
- Forced Air
- Heating fuel
- Gas
- Cooling
- Central Air
- Sewer
- Sewer
- Direction facing
- East
- Construction materials
- Brick, Vinyl Siding
- Roof
- Asphalt Shingle
- Foundation
- Poured Concrete
- MLS entry age (not confirmed DOM)
- 12 days
These details come from the listing source. Please confirm measurements and fees before making a decision.
Utilities and services
- Sewer
- Sewer
- Heating system
- Forced Air
- Heating fuel
- Gas
- Cooling
- Central Air
A reported service is not necessarily included in rent or maintenance. Missing information does not mean a service is absent.
Rooms & virtual tours
Loading source-reported room dimensions…
Converted measurements are approximate. Levels and dimensions are shown only when supplied.
- Bedrooms above grade
- 3
- Bedrooms below grade
- 2
- Rooms above grade
- 8
- Rooms below grade
- 4
- Total rooms (source)
- 12
- Den / family room reported
- Yes
Reported counts are shown independently. Room dimensions have not been inferred from these counts.
Ask the listing brokerage for floor plans and measured room layouts.
Listing dates & price record
- Asking amount
- $699,000
Original MLS entry
Entry into the source MLS system; distinct from days on market.
Coverage varies by listing. Dates are source-reported calendar dates; only the latest reported asking-price change is shown. This is a partial record.
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Estimate monthly costs
Adjust the assumptions for your own scenario. Blank expenses are unknown; enter them for a fuller estimate.
Planning estimate with Canadian semiannual compounding. Excludes mortgage insurance, closing costs and special assessments. This is not a lender quote or mortgage approval.
Explore affordability & closing-cost tools →Map and neighbourhood
- Region / county
- NIAGARA
- Municipality
- ST. CATHARINES
- MLS® community
- 443 - Lakeport
Plan a trip from this home
Check a route from this property to work, school or another destination. Google Maps provides the current estimate when opened; traffic and departure time affect results.
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Around this property
Schools, transit & everyday places
Published local sources. Distances are approximate straight-line distances, not walking routes.
Filter the records displayed below.
Nearby publicly funded schools
Within 5 km · approximate straight-line distances, not walking routes or attendance eligibility.
School year 2024-2025 · Preliminary · publisher extract 2026-09-14.
William Hamilton Merritt Public School ↗
Elementary · JK-8 · English · Public
114 Linwell Rd, St Catharines
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 3 Reading (at provincial standard)
- 76%
- Grade 3 Writing (at provincial standard)
- 56%
- Grade 3 Mathematics (at provincial standard)
- 60%
- Grade 6 Reading (at provincial standard)
- 96%
- Grade 6 Writing (at provincial standard)
- 93%
- Grade 6 Mathematics (at provincial standard)
- 59%
Eden High School ↗
Secondary · 9-12 · English · Public
535 Lake St, St Catharines
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 9 Mathematics (at provincial standard)
- 73%
- Grade 10 OSSLT (first-attempt pass)
- 91%
Lifetime Learning Centre Secondary School ↗
Secondary · 9-12 · English · Public
34 Catherine St, St Catharines
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
No published percentages for these measures in this source record.
Saint Francis Catholic Secondary School ↗
Secondary · 9-12 · English · Catholic
541 Lake St, St Catharines
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 9 Mathematics (at provincial standard)
- 71%
- Grade 10 OSSLT (first-attempt pass)
- 88%
École élémentaire L'Héritage ↗
Elementary · JK-8 · French · Public
35 Prince Charles promenade, St. Catharines
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
No published percentages for these measures in this source record.
St Denis Catholic Elementary School ↗
Elementary · JK-8 · English · Catholic
175 Carlton St, St Catharines
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 3 Reading (at provincial standard)
- 81%
- Grade 3 Writing (at provincial standard)
- 76%
- Grade 3 Mathematics (at provincial standard)
- 62%
- Grade 6 Reading (at provincial standard)
- 100%
- Grade 6 Writing (at provincial standard)
- 94%
- Grade 6 Mathematics (at provincial standard)
- 50%
Parnall Public School ↗
Elementary · JK-8 · English · Public
507 Geneva St, St Catharines
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 3 Reading (at provincial standard)
- 95%
- Grade 3 Writing (at provincial standard)
- 86%
- Grade 3 Mathematics (at provincial standard)
- 81%
- Grade 6 Reading (at provincial standard)
- 97%
- Grade 6 Writing (at provincial standard)
- 91%
- Grade 6 Mathematics (at provincial standard)
- 69%
Lincoln Centennial Public School ↗
Elementary · JK-8 · English · Public
348 Scott St, St Catharines
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 3 Reading (at provincial standard)
- 94%
- Grade 3 Writing (at provincial standard)
- 85%
- Grade 3 Mathematics (at provincial standard)
- 91%
- Grade 6 Reading (at provincial standard)
- 84%
- Grade 6 Writing (at provincial standard)
- 94%
- Grade 6 Mathematics (at provincial standard)
- 68%
Confirm programs and attendance with the school board. Private schools and verified catchment boundaries are not included. Contains information licensed under the Open Government Licence – Ontario. Ministry source.
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Transit near this property
Published transit locations. Distances are straight-line estimates, not walking routes or travel times.
Rail & subway · within 5 km
- St. Catharines GOGO Transit · Train4.2 km
Bus & streetcar · within 2 km
- St. Catharines Fairview MallGO Transit · Bus1.1 km
Sources & service information
These are locations in published feeds, not live arrivals or confirmation of service at this moment. Station platforms are grouped only by the source parent-station relationship. Check the agency for schedules, disruptions, access and entrances. Coverage: TTC, GO Transit and UP Express only; other agencies are not yet connected.
- GO Transit source · feed 2026-10-28 to 2026-11-27 · checked 2026-11-02 14:57:59 UTC · Licence · Agency website
Filter the records displayed below.
Nearby shops & amenities
No nearby places were returned by the current OpenStreetMap snapshot. Coverage is regional and may be incomplete; verify business details before visiting.
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Similar homes for sale in 443 - Lakeport, St. Catharines, Niagara, Ontario
Current public IDX listings in the same city and transaction type. These are alternatives to explore, not sold comparables or an appraisal.
Property questions
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Are the measurements and features independently verified?
Measurements, lot details and features are displayed as reported by the listing source or a named public dataset. Missing facts are not inferred. Confirm material details with the listing brokerage.
What do nearby school, transit and shop results mean?
They are nearby records from the displayed source datasets. Distances are approximate straight-line distances; school catchment eligibility, ratings, walking routes, hours and live transit service are not inferred.
Can I see sold prices for nearby properties?
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How should I use the monthly cost estimate?
It is a planning estimate based on the visible assumptions and reported property figures. It is not a lender quote, tax assessment, legal opinion or mortgage approval.
Home and neighbourhood overview
105 ELMA Street, St. Catharines, ON L2N 6Z8, St. Catharines is listed for sale as a Detached. The listing reports 5 bedrooms, 2 bathrooms, reported interior area of 700-1100 (units not reported), kitchens reported as 1, parking spaces reported as 5, lot size reported as < .50 acres (reported range). Asking price: $699,000. Occupancy is reported as Owner. Review the Home details, room measurements and utility sections below to compare reported specifications; confirm important details with the listing brokerage. MLS® X14120486.
The Ministry’s school dataset lists William Hamilton Merritt Public School approximately 377 m from the property’s mapped location. The published GO Transit feed includes St. Catharines GO, approximately 4.2 km away.
Local context
The Ministry’s school dataset lists William Hamilton Merritt Public School approximately 377 m from the property’s mapped location.
The published GO Transit feed includes St. Catharines GO, approximately 4.2 km away.
Sources & distance notes
Distances are approximate straight-line estimates to mapped points or area centres. School proximity does not establish attendance eligibility. Published transit locations do not confirm service at this moment.
Explore the area: Niagara · 443 - Lakeport.
This overview uses facts reported by the listing and named local sources. Please confirm details with the listing brokerage.
Listing brokerage: REVEL Realty Inc., Brokerage. Displayed by EnterHome Realty. Source: authorized IDX record, MLS® X14120486. Information deemed reliable but not guaranteed.