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$719K · 2 bed Condo Townhouse · Unit 14, 21 Loretta Drive, Niagara-on-the-Lake, Ontario L0S 1T0 | HomeSearchCanada

$719,000

Unit 14

13 DOM

2213d

Map

DOM 13

Waterfront

$719,000

DOM13days

Unit 14

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

MLS® X13551126 · 108 - Virgil · L0S 1T0

22TenantOccupied1200-1399 ft²Condo Townhouse1-car AttachedPartially Finished13d$553/ft²$4,016 tax/yrPartially Finished

13 days on market

About this home

Enjoy effortless, low-maintenance living in this beautifully appointed bungalow townhome, ideally and centrally located in the heart of Virgil. This sought-after location places you within walking distance of local breweries, grocery stores, parks, cafés, and everyday conveniences, while Historic Old Town Niagara-on-the-Lake-with its renowned wineries, boutique shopping, restaurants, theatres, and waterfront-is just a short drive away.Designed for easy main-floor living, the bright, open-concept…

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Property details

MLS#: X13551126
Status: Buy Now
Property class: Residential Condo & Other
Beds: 2
Baths: 2 full, 0 half
Rooms: 5 + 2
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: —Year built not on MLS feed (often MPAC-only on broker systems)

Occupancy: Tenant Occupied
Washrooms: 4 pc · Main; 3 pc · Main
Family room: No
Central vacuum: Central vacuum
Ensuite laundry: No

Roof: Asphalt Shingle
Foundation: Concrete

Fireplace features: Living Room, Natural Gas

Waterfront: Yes

Condo corp #: 170
Balcony: None
Locker: None
Fees include: Water Included, 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
Exterior: Vinyl Siding, Brick · Porch, Patio
Fronting on: —
Cross street: CASSELMAN AND LINE 1
Stories: 1
Utilities: —
Laundry: Laundry Room
Laundry level: Main Level
Interior: Central Vacuum
Parking features: —

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: NIAGARA-ON-THE-LAKE REALTY (1994) LTD, BROKERAGE

Source: TRREB/PROPTX · MLS® X13551126

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$719K

Unit 14 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $719,000✓ $4,016 tax✓ Gas✓ 1200-1399 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$6,059/mo

incl. closing costs (yr 1)

Annual total

$72,713

year 1

Mortgage only

$2,728/mo

principal + interest

Beyond mortgage

$1,969/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$143,800

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$335/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%$7,190/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$10,855

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)45% $32,732/yr

Property taxes20% $14,871/yr

Utilities5% $3,960/yr

Insurance & security2% $1,600/yr

Maintenance10% $7,190/yr

Condo fees10% $7,260/yr

Closing costs7% $5,100/yr

Mortgage is 45% of your true cost of ownership. The other 55% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$32,732	$2,728/mo
Government & taxes
Property tax	$4,016	$335/mo
Land transfer tax(closing)	$10,855	$905/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%)	$7,190	$599/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	$72,713	$6,059/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 14

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