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$760K · 2+1 bed Condo Townhouse · Unit 3, 21 Loretta Drive, Niagara-on-the-Lake, Ontario L0S 1T0 | HomeSearchCanada

$759,900

Unit 3

99 DOM

2+1399d

Map

⚡ Insider Deal

DOM 99

↓ $10KMotivated SellerPrice Reduced

$759,900

↓ $10KMotivated Seller

DOM99days

Unit 3

21 Loretta Drive · Niagara-on-the-Lake · Ontario L0S 1T0

MLS® X12999876 · 108 - Virgil · L0S 1T0

2+13OwnerOccupied1200-1399 ft²Condo Townhouse1-car AttachedPartially Finished99d$585/ft²$4,228 tax/yrBuilt 200323 yrs oldPartially Finished

99 days on market

About this home

BUNGALOW TOWNHOUSE ON A QUIET CUL-DE-SAC IN THE HEART OF NIAGARA WINE COUNTRY..FABULOUS WELL MAINTAINED HOME BOASTS HARDWOOD AND TILE FLOORING WITH 2 BEDROOMS AND 2 FULL BATHROOMS ON THE MAIN LEVEL& 1 BEDROOM AND FULL BATHROOM ON THE LOWER LEVEL..WORKS WELL AS A GUEST SUITE..MAIN FLOOR LAUNDRY.. LARGE PRIMARY BEDROOM .. ENSUITE & WALK-IN CLOSET... OPEN CONCEPT KITCHEN DINING AND GREAT ROOM.. VAULTED CEILING .. F GAS FIREPLACE AND ACCESS TO A LARGE PRIVATE DECK & HARD-SCAPED SITTING AREA.. ENJOY…

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Property details

MLS#: X12999876
Status: Buy Now
Property class: Residential Condo & Other
Beds: 2+1
Baths: 3 full, 0 half
Rooms: 6 + 3
Kitchens: 1
Size: 1200-1399Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: Partially Finished
Style: Bungalow
Type: Condo Townhouse
Year built: 2003

Occupancy: Owner Occupied
Washrooms: 4 pc · Ground; 3 pc · Ground; 3 pc · Lower
Family room: Family room
Central vacuum: No
Ensuite laundry: No
Special designation: Other

Roof: Asphalt Shingle
Foundation: Poured Concrete
Property features: Arts Centre, Golf, Greenbelt/Conservation, Library, Place Of Worship

Fireplaces: 1
Fireplace features: Living Room, Natural Gas

Condo corp #: 170
Balcony: None
Locker: None
Fees include: Common Elements Included, Building Insurance Included, Parking Included
Pets: Yes-with Restrictions

Garage: 1-car Attached
Garage spaces: 1
Parking: 2 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Waterfront: No
Exterior: Vinyl Siding, Brick · Deck, Landscaped
Fronting on: —
Cross street: CASSELMAN AND LINE 1
Stories: 1
Utilities: —
Laundry: Laundry Closet
Interior: Auto Garage Door Remote, Primary Bedroom - Main Floor, Water Heater, Guest Accommodations, Solar Tube
Parking features: —

Additional listing data

ListAOR: Niagara Association of REALTORS

Rooms

Room details

Seller signals

Price movement & seller pressure

↓ $10KPrice reduction

MLS shows the seller reduced the asking price by $10,000 (from $769,900 to $759,900).

Motivated SellerWhy this label

99 days on market — Listing has been active for 99 days — extended time on market can signal seller pressure.

Labels reflect MLS fields and listing history in our database — not an opinion on fair market value.

Property history

Sales History

NEW

Location details

Comparable sales

Neighbourhood SOLDs

Neighbourhood stats

Brokered by: BOSLEY REAL ESTATE LTD.,

Source: TRREB/PROPTX · MLS® X12999876

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$760K

Unit 3 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $759,900✓ $4,228 tax✓ Gas✓ 1200-1399 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$6,335/mo

incl. closing costs (yr 1)

Annual total

$76,014

year 1

Mortgage only

$2,883/mo

principal + interest

Beyond mortgage

$2,021/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$151,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$352/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%$7,599/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)$50/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$11,673

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)46% $34,594/yr

Property taxes21% $15,901/yr

Utilities5% $3,960/yr

Insurance & security2% $1,600/yr

Maintenance10% $7,599/yr

Condo fees10% $7,260/yr

Closing costs7% $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)	$34,594	$2,883/mo
Government & taxes
Property tax	$4,228	$352/mo
Land transfer tax(closing)	$11,673	$973/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%)	$7,599	$633/mo
Condo fees
Condo / HOA fees	$7,260	$605/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	$76,014	$6,335/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 3

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