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$849,800
Cobble Stone Gates · 31 Sawmill Road · St. Catharines · Ontario L2S 0A1
112 days on market
Welcome to prestigious Cobblestone Gates, an upscale townhome community in the Martindale area, backing onto the Twelve Mile Creek corridor. This well maintained end unit has a double concrete driveway with attached double car garage and electric opener. Mature landscaping with private backyard area and side deck, lawn irrigation system. Grand pillars and covered entrance invite you to a spacious tiled foyer, 2-piece powder room and garage access. The bright open concept great room/kitchen, boas…
Could save you thousands on this purchase — closing strategy, negotiation & rebate.
Insufficient comparable sales to generate an estimate. Boost accuracy on MyStreetValue →
Seller signals
↓ $50KPrice reduction
MLS shows the seller reduced the asking price by $50,000 (from $899,800 to $849,800).
Motivated SellerWhy this label
Labels reflect MLS fields and listing history in our database — not an opinion on fair market value.
Property history
Comparable sales
Brokered by: RE/MAX GARDEN CITY REALTY INC, BROKERAGE
Source: TRREB/PROPTX · MLS® X13519348
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20%+ down — no CMHC premium
≈ $0.07/ft² × ~1,300 ft² · ON avg ~$75/mo
Typical ON gas-heated home · ~$125/mo
ON municipal avg ~$60/mo
ON internet/TV avg ~$70/mo
1% of value/yr — standard reserve
Landscaping & snow removal · $0 default
$100/mo default · adjust for your home
Optional monitoring · $0 default
From listing or typical fee
Cost composition
Mortgage is 44% of your true cost of ownership. The other 56% surprises most first-time buyers.
Full breakdown
| Mortgage & financing | ||
| Mortgage (P+I) | $38,687 | $3,224/mo |
| Government & taxes | ||
| Property tax | $7,474 | $623/mo |
| Land transfer tax(closing) | $13,471 | $1,123/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%) | $8,498 | $708/mo |
| Condo fees | ||
| Condo / HOA fees | $8,607 | $717/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 | $87,397 | $7,283/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.