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$1.18M · 2 bed Condo Apartment · Unit 401, 77 Yates Street, St. Catharines, Ontario L2R 5R7 | HomeSearchCanada

$1,180,000

Unit 401

86 DOM

2386d

Map

DOM 86

Waterfront

$1,180,000

DOM86days

Unit 401

77 Yates Street · St. Catharines · Ontario L2R 5R7

MLS® X13501622 · 451 - Downtown · L2R 5R7

23Vacant2000-2249 ft²Condo Apartment2-car AttachedWalk-Out86d$555/ft²$11,422 tax/yrBuilt 20233 yrs oldWalk-Out

86 days on market

About this home

Come home to the corner suite 401 at luxurious 77 Yates St. Drive straight in to your street level garage and have the convenience of 2 owned parking spaces. Walk straight into the stunning 3 storey lobby and then right into your new home. No need for the elevator or stairs. Suite 401 was extensively updated and redesigned by a local architect and interior designer. Enjoy 3 sided views and the only suite that has its own east-facing terrace for morning coffee plus a west-facing balcony for stunn…

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Property details

MLS#: X13501622
Status: Buy Now
Property class: Residential Condo & Other
Beds: 2
Baths: 3 full, 0 half
Rooms: 10
Kitchens: 1
Size: 2000-2249Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: Walk-Out
Style: 1 Storey/Apt
Type: Condo Apartment
Year built: 2023

Occupancy: Vacant
Washrooms: 2 pc · Main; 4 pc · Main; 4 pc · Main
Family room: Family room
Central vacuum: No
Ensuite laundry: Ensuite laundry

Foundation: Concrete, Poured Concrete
Property features: Arts Centre, Golf, Greenbelt/Conservation, Hospital, Park, Waterfront

Fireplaces: 1
Fireplace features: Electric

View: Clear, Garden, Panoramic, River, Trees/Woods, Valley, Water

Waterfront: Yes
Water view: Partially Obstructive
Water body: Twelve Mile Creek
Shoreline: Unknown
Waterfront features: River Front

Condo corp #: 338
Balcony: Open
Locker: Owned
Association amenities: Community BBQ, Elevator, Exercise Room, Party Room/Meeting Room, Rooftop Deck/Garden, Visitor Parking
Fees include: Common Elements Included, Building Insurance Included, Water Included, Parking Included
Pets: Yes-with Restrictions

Garage: 2-car Attached
Garage spaces: 2
Parking: 2 total
Heating: Fan Coil
Heating fuel: Electric
Cooling: Central Air
Exterior: Concrete, Stucco (Plaster) · Backs On Green Belt, Built-In-BBQ, Controlled Entry, Landscaped, Lawn Sprinkler System, Security Gate, Year Round Living
Fronting on: —
Cross street: Adams + Ontario
Stories: 4
Utilities: —
Laundry: In-Suite Laundry, Laundry Room, Sink, Washer Hookup
Interior: Auto Garage Door Remote, Bar Fridge, Built-In Oven, Countertop Range, Primary Bedroom - Main Floor, Separate Heating Controls, Separate Hydro Meter, Storage, Storage Area Lockers, Water Heater
Parking features: Inside Entry, Surface

Additional listing data

ListAOR: Niagara Association of REALTORS

Rooms

Room details

Seller signals

Price movement & seller pressure

No price-drop or motivated-seller signals detected from MLS data we track on this listing.

Property history

Sales History

NEW

Location details

Comparable sales

Neighbourhood SOLDs

Neighbourhood stats

Brokered by: MCGARR REALTY CORP, BROKERAGE

Source: TRREB/PROPTX · MLS® X13501622

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$1.18M

Unit 401 · Bryon Bertrim

Bryon Bertrim, REALTOR® | Real Broker Ontario Ltd. Brokerage · MLS® via PropTx · © CREA · Bona fide use only

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $1,180,000✓ $11,422 tax✓ Electric✓ 2000-2249 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$9,788/mo

incl. closing costs (yr 1)

Annual total

$117,458

year 1

Mortgage only

$4,477/mo

principal + interest

Beyond mortgage

$3,180/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$236,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$952/mo

Utilities

Hydro / electricity$82/mo

≈ $0.13/ft² × ~2,125 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%$11,800/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)$78/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$20,075

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)46% $53,719/yr

Property taxes27% $31,497/yr

Utilities2% $2,542/yr

Insurance & security1% $1,600/yr

Maintenance10% $11,800/yr

Condo fees10% $11,200/yr

Closing costs4% $5,100/yr

Mortgage is 46% of your true cost of ownership. The other 54% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$53,719	$4,477/mo
Government & taxes
Property tax	$11,422	$952/mo
Land transfer tax(closing)	$20,075	$1,673/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$982	$82/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$11,800	$983/mo
Condo fees
Condo / HOA fees	$11,200	$933/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	$117,458	$9,788/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 401

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Price movement & seller pressure

Sales History

Neighbourhood SOLDs

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Annual costs