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$539,000
Pinafore Terrace · 125 Elm Street · St. Thomas · Ontario N5R 1H9
98 days on market
Welcome to Pinafore Terrace, one of St. Thomas' most coveted waterfront condominium communities. Wake up overlooking beautiful Pinafore Lake and spend your evenings relaxing on your private balcony as the sun reflects across the water. Nestled beside picturesque Pinafore Park, this exceptional residence offers a peaceful lifestyle surrounded by nature while remaining just minutes from everyday amenities. Meticulously maintained and move-in ready, this spacious suite offers approximately 1,500 sq…
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Seller signals
↓ $20KPrice reduction
MLS shows the seller reduced the asking price by $20,000 (from $559,000 to $539,000).
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: PRIME REAL ESTATE BROKERAGE
Source: TRREB/PROPTX · MLS® X13576352
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20%+ down — no CMHC premium
≈ $0.13/ft² × ~1,500 ft² · incl. electric heat
Electric heat — no gas service · see hydro
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 46% of your true cost of ownership. The other 54% surprises most first-time buyers.
Full breakdown
| Mortgage & financing | ||
| Mortgage (P+I) | $24,538 | $2,045/mo |
| Government & taxes | ||
| Property tax | $3,227 | $269/mo |
| Land transfer tax(closing) | $7,255 | $605/mo |
| Insurance & protection | ||
| Home insurance | $1,200 | $100/mo |
| Title insurance(closing) | $400 | $33/mo |
| Utilities | ||
| Hydro / electricity | $900 | $75/mo |
| Water & sewer | $720 | $60/mo |
| Internet / TV / phone | $840 | $70/mo |
| Maintenance & upkeep | ||
| Maintenance reserve (1.0%) | $5,390 | $449/mo |
| Condo fees | ||
| Condo / HOA fees | $4,200 | $350/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 | $53,770 | $4,481/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.