For SaleDetached · Bungalow-RaisedMLS® #X14120486 · TRREB MLS®
105 ELMA St, St. Catharines, Ontario
Lakeport, St. Catharines, Ontario L2N 6Z8
- Bedrooms
- 3+2
- Lot Size
- 50 x 100 ft
- Bathrooms
- 2
- Type
- Detached
- Basement
- Finished
$679,800
Estimated market value
About 105 ELMA St
105 ELMA St is a 3+2-bedroom, 2-bathroom detached house in Lakeport, St. Catharines, listed for sale at an asking price of $679,800 (MLS® X14120486).
Move in just in time before Christmas! 5 things you'll love about this 5 Bed, 2 Bath Raised Bungalow at this price point. 1 Location, location, location, prime north end St.Catherines neighbourhood close to all possible amenities. 2. Zero water or sewage damage from this summer, house is flood free. 3. In-law capabilities with separate entrance off side patio to the lower level. 5th bedroom can be converted back to Rec Room or use as is. 4.Concrete driveway 3 cars wide to fit all the family vehicles, with room to store your boat/trailer, or jet skis. 5. Total turn key with nothing to do but move in and enjoy. Hard surface flooring throughout with no carpet. Main floor consists of a spacious open concept feel with upgraded kitchen, roomy living room & dining room. 3 spacious bedrooms and 4 pc. bathroom. Lower level consists of separate side entrance, 2 large bedrooms (5th bedroom converted from Rec Room , can also be used as a Rec Room again if a 5th bedroom is not needed. Large laundry room with room to add kitchen if desired. Private backyard is fully fenced with a 12'x 18' deck with Gazebo stepping down to another 12'x18' paver stone patio. House is a pleasure to view, fully updated inside and out you wont be disappointed!
Insights
Condition Score
FairListing notes possible renovation needs
Source: Listing age, structured features and disclosed update language; not an inspection.
Condition uses listing-record signals, not an inspection.
Key facts
- Tax
- $5,034 / 2025
- MLS® number
- X14120486
- Board
- TRREB MLS®
- Property Type
- Detached
- Building Age
- 31-50
- Days on market
- Size
- 700-1100 sqft
- Lot Size
- 50 x 100 ft
- Listed on
- Parking
- 1 Attached, 5 Parking
Listing history
Buy/sell history for 105 ELMA St, St. Catharines, Ontario
Sale history on this site covers the last 2 years, the window permitted under the TRREB MLS® VOW agreement.
| Date Start | Date End | List Price | Price | Event | Listing ID |
|---|---|---|---|---|---|
| Date StartN/A | N/A | $679,800 | N/A | Pc | X14120486 |
Members see the full history. Prices are hidden from signed-out visitors.
Estimate
Estimated value requires sign in
Market estimates use sold comparables and are available after you sign in and accept MLS® VOW terms.
The estimate is an automated value built from public and MLS® data. It is not an appraisal; ask Michelle Lacroix for a full comparative market analysis.
Property details
Property
- Property Type
- Detached
- Style
- Bungalow-Raised
- Community
- Lakeport
- Municipality
- St. Catharines
Building
- Size
- 700-1100 sqft
- Building Age
- 31-50
- Construction
- Brick
Inside
- Bedrooms
- 3+2
- Bathrooms
- 2
- Bathroom Details
- 1 × 4pc Main, 1 × 3pc Bsmt
- Basement Type
- Finished
- Kitchens
- 1
Parking
- Driveway
- Pvt Double, Other
- Garage Type
- Attached
- Garage
- 1
- Additional Parking
- 4
- Total Parking
- 5
Utilities
- Water
- Municipal
- Cooling
- Central Air
- Heating Type
- Forced Air
Land
- Sewer
- Sewers
- Frontage
- 50 ft
- Depth
- 100 ft
- Lot Size
- 50 x 100 ft
Additional
- Foundation
- Poured Concrete
- Roof
- Asphalt Shingle
- Fireplace
- No
- Pool
- None
- Den
- Yes
- Family room
- Yes
- Extras
- ALL APPLIANCES
Rooms
| Room | Size | Features | Level |
|---|---|---|---|
| Foyer | 3.23 × 3.96 m | — | Main |
| Living | 4.6 × 5.99 m | — | Main |
| Dining | 2.82 × 3.78 m | — | Main |
| Kitchen | 3.51 × 3.89 m | — | Main |
| 2nd Br | 2.59 × 2.87 m | — | Main |
| 3rd Br | 3.12 × 3.78 m | — | Main |
| Primary | 4.22 × 3.78 m | — | Main |
| Bathroom | 1.37 × 2.23 m | — | Main |
| 4th Br | 5.08 × 3.35 m | — | Bsmt |
| 5th Br | 8.69 × 3.51 m | — | Bsmt |
| Bathroom | 1.3 × 2.1 m | — | Bsmt |
| Laundry | 5.51 × 4.11 m | — | Bsmt |
Map and tour
Detached homes for sale in Lakeport right now
- For sale now
- 10
- Median asking price
- $672K
- New in 7 days
- 2
- Price cuts
- 20%
Middle half: $600K to $759K
6 in 28 days
2 listings
This home is asking 1% above the median.
See all homes in LakeportAsking prices and counts of the MLS® listings on this site as of today. Asking figures only, never sold or leased prices.
Land transfer tax on this home
- Ontario land transfer tax
- $10,071
- Total land transfer tax
- $10,071
- First-time buyer rebates (Ontario up to $4,000)
- −$4,000
- Total for first-time buyers
- $6,071
See how this is worked out
- 0.5% on the first $55,000
- $275
- 1.0% from $55,000 to $250,000
- $1,950
- 1.5% from $250,000 to $400,000
- $2,250
- 2.0% from $400,000 to $679,800
- $5,596
- Ontario total
- $10,071
An estimate at the asking price, for a home with one or two single-family residences. Your lawyer confirms the exact amount.
Land and environment
Public records about this location. Not part of the MLS® listing and not provided by the listing brokerage.
Water and conservation3
- No mapped wetland within 120 m120 m
- No water-supply well recorded within 250 m250 m
- Groundwater recorded about 6 m below ground nearbyThe middle water level in the well records within 500 m (31 records). It changes with the season and from spot to spot.500 m
Province of Ontario open data
Planning and building activity2
- Outside the Greenbelt, Oak Ridges Moraine and Niagara Escarpment plan areasAt the address
- Nearest airport: 6.2 km6.2 km
Province of Ontario open data
Environmental records4
- No licensed pit or quarry within 2 km2 km
- No recorded oil, gas or salt well within 250 m250 m
- No facility within 1 km reports pollutant releases to Environment CanadaThe nearest is Regional Municipality of Niagara — Port Dalhousie Wastewater Treatment Plant, 1.7 km away. Only facilities above the inventory’s reporting thresholds are listed.1 km
- No federal contaminated site within 1 kmThe federal inventory covers federal land only; it says nothing about provincial or private sites.1 km
Province of Ontario open data · Government of Canada open data
Power and internet3
- Electricity is distributed here by Alectra Utilities CorporationAt the address
- Wired internet 50/10 Mbps or faster is listed at a household 30 m awayFixed wireless 50/10 Mbps or faster. LTE mobile coverage listed. ISED’s National Broadband Data at the nearest household point (30 m from the listing); 50/10 Mbps is its top category and includes faster plans. Confirm with a provider for this address.30 m
- Across the surrounding area: fibre to the home, cable, DSL internet listedFibre to the home: Bell, Cogeco Connexion, Niagara Regional Broadband Network. Cable: Cogeco Connexion. DSL: Bell. Fixed wireless: Bell, Last Mile Wireless Internet, NWIC, Rogers, SkyChoice Communications, Xplore. Mobile: Bell, Freedom Mobile, Rogers, Telus. Satellite: Xplore. ISED’s list for the surrounding ~25 km² area; check with a provider for this address.Area-wide
Ontario Energy Board · Innovation, Science and Economic Development Canada
Each record is placed at the distance its own line states. None of it is an inspection of the property. Confirm anything that matters to you with the municipality, Niagara Peninsula Conservation Authorityor the record’s publisher.
Contains information licensed under the Open Government Licence – Canada. Contains information licensed under the Open Government Licence – Ontario.
Schools nearby
| Elementary | Type | Distance | EQAO average 2024–25 |
|---|---|---|---|
| William Hamilton Merritt Public SchoolDSB Niagara | Public · grades JK–8 | 350 m | 83%Grade 6 average |
| École élémentaire L'HéritageConseil scolaire Viamonde | French-language public · grades JK–8 | 1.3 km | 85%Grade 6 average |
| St Denis Catholic Elementary SchoolNiagara CDSB | Catholic · grades JK–8 | 1.5 km | 81%Grade 6 average |
| Parnall Public SchoolDSB Niagara | Public · grades JK–8 | 1.5 km | 86%Grade 6 average |
| Secondary | Type | Distance | Grade 9 math 2024–25 |
|---|---|---|---|
| Eden High SchoolDSB Niagara | Public · grades 9–12 | 700 m | 73%Grade 9 math |
| Lifetime Learning Centre Secondary SchoolDSB Niagara | Public · grades 9–12 | 850 m | — |
| Saint Francis Catholic Secondary SchoolNiagara CDSB | Catholic · grades 9–12 | 1 km | 71%Grade 9 math |
| St Catharines Collegiate Institute and Vocational SchoolDSB Niagara | Public · grades 9–12 | 2.2 km | 74%Grade 9 math |
EQAO: share of students at or above the provincial standard, 2024–25 (Ontario open data). These are the schools nearest this home, not the schools it is assigned to: boundaries change, and some schools take students by application. Confirm with the board before you buy. Contains information licensed under the Open Government Licence – Ontario.
Transit nearby
| Station | Lines | Distance |
|---|---|---|
| St. Catharines GO | GO Transit train: Lakeshore West | 4.2 km |
The nearest subway, light rail, train, bus rapid transit stations 5 km, as the crow flies. Source: GO Transit schedule data (GTFS) from Metrolinx under the Open Government Licence – Ontario – Metrolinx, downloaded October 18, 2026. Data used in this product or service is provided with the permission of Metrolinx. Metrolinx makes no representations or warranties of any kind, express or implied, with respect to the Data and assumes no responsibility for the accuracy or currency of the data used in this product or service. Contains information licensed under the Open Government Licence – Ontario – Metrolinx.
Lot
- Lot area
- 5,000 sq ft465 m²
- Street frontage
- 50 ft15.2 m
- Depth
- 100 ft30.5 m
The area is the frontage multiplied by the depth, so boundaries are approximate. Confirm with a survey before you buy.
Source: the MLS® listing record.
Comparable sales
Comparable sales require sign in
Closing prices and sold comps are available to registered visitors who accept MLS® VOW terms on this site.
Mortgage Calculator
Plan with the current asking price
CMHC insurance: not required at 20% down. Payments use Canadian semi-annual compounding.
Mortgage Details
4.8% · 5-year term · 25-year amortization · 20% down
- Total down payment
- $135,960
- Total mortgage amount
- $543,840
- Total interest payment
- $386,760
- Total purchase cost
- $1,066,560
- Mortgage payment
- $3,102/mo
Cash Flow Analysis
If you rented this home out at 20% down
Break-even down payment
—Monthly carrying cost
$3,522- Rent $0
- Shortfall $3,522
Rental income starts at $0: enter the rent you expect. This is a planning tool, not advice.
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