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For SaleSemi-Detached · Bungalow-RaisedMLS® #X13674132 · TRREB MLS®

4 Kerwin Gate, St. Catharines, Ontario

Lakeport, St. Catharines, Ontario L2N 4J8

Bedrooms
3
Lot Size
35.45 x 127.22 ft
Bathrooms
3
Type
Semi-Detached
Basement
Finished with Walk-Out

$525,000

Estimated market value

About 4 Kerwin Gate

4 Kerwin Gate is a 3-bedroom, 3-bathroom semi-detached house in Lakeport, St. Catharines, listed for sale at an asking price of $525,000 (MLS® X13674132).

Welcome to 4 Kerwin Gate, a spacious raised bungalow tucked on a quiet crescent in St. Catharines' desirable Lakeport neighborhood. Offering approximately 1,804 sq. ft. of total finished living space, this home is ideal for a growing family, with three bedrooms and a full bath on the main floor, plus a finished lower level that gives older kids their own space, including a large family room, an additional bedroom, and a second full bath. The main floor also features a bright kitchen, living and dining areas, and a primary bedroom with ensuite for mom and dad. The backyard offers great outdoor space to enjoy with kids or pets, plus direct garage access from the lower level for everyday convenience. Location is a standout. Lakeport offers quick access to the QEW, nearby elementary and high schools, and is just minutes from the Lake Ontario shoreline, including Lakeside Park's sandy beach, the historic Port Dalhousie waterfront and marina, and the Lake Ontario Waterfront Trail. Port Dalhousie's boutique shops, cafés, and restaurants are close by, along with easy access to downtown St. Catharines and Brock University. This home presents a genuine opportunity for buyers willing to add some cosmetic updating, with real potential to build equity in a well-established, sought-after North End location.

Insights

  • Condition Score

    Good
    68out of 100

    6 condition-related facts documented

    Source: Listing age, structured features and disclosed update language; not an inspection.

  • Cashflow Quality

    Near break-even
    45out of 100

    −$404/mo against the cost of owning (20% down, 4.8%, 25 yrs)

    Source: Median of 55 homes with 3 bedrooms for lease in St. Catharines right now. Cost of owning counts the mortgage and property tax.

Condition uses listing-record signals, not an inspection.

Key facts

Tax
$3,691 / 2025
MLS® number
X13674132
Board
TRREB MLS®
Property Type
Semi-Detached
Days on market
Size
1100-1500 sqft
Lot Size
35.45 x 127.22 ft
Listed on
Parking
1 Attached, 3 Parking
Listing brokerage: REVEL Realty Inc., BrokerageData source: TRREB MLS®Information deemed reliable but not guaranteed. Contained information is subject to errors, omissions, and changes without notice. Information should be independently verified.

Listing history

Buy/sell history for 4 Kerwin Gate, St. Catharines, Ontario

Sale history on this site covers the last 2 years, the window permitted under the TRREB MLS® VOW agreement.

Date StartDate EndList PricePriceEventListing ID
Date StartN/AN/A$525,000N/APcX13674132

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
Semi-Detached
Style
Bungalow-Raised
Community
Lakeport
Municipality
St. Catharines

Building

Size
1100-1500 sqft
Construction
Alum Siding

Inside

Bedrooms
3
Bathrooms
3
Bathroom Details
1 × 3pc Main, 1 × 3pc Bsmt, 1 × 2pc Main
Basement Type
Finished with Walk-Out
Kitchens
1

Parking

Garage Type
Attached
Garage
1
Additional Parking
2
Total Parking
3

Utilities

Water
Municipal
Cooling
Central Air
Heating Type
Forced Air

Land

Sewer
Sewers
Frontage
35.45 ft
Depth
127.22 ft
Lot Size
35.45 x 127.22 ft

Additional

Foundation
Poured Concrete
Roof
Asphalt Shingle
Fireplace
Yes
Pool
None
Den
No
Family room
No
Extras
Fridge in basement, fridge on main floor, stove, dishwasher, microwave, washer dryer

Rooms

RoomSizeFeaturesLevel
Living3.21 × 5.48 m—Main
Dining2.56 × 3.04 m—Main
Kitchen2.42 × 4.69 m—Main
Bathroom2.1 × 2.26 m—Main
Br3.4 × 4.43 m—Main
2nd Br3.54 × 3.96 m—Main
3rd Br2.42 × 3.05 m—Main
Den2.28 × 5.88 m—Lower
Rec3.96 × 7.29 m—Lower
Bathroom1.8 × 1.82 m—Lower
Laundry2.88 × 4.65 m—Lower
Bathroom1.142 × 2.19 m—Main

Map and tour

Open in maps

Semi-detached homes for sale in Lakeport right now

For sale now
7
Median asking price
$515K

Middle half: $487K to $522K

New in 7 days
0

2 in 28 days

Price cuts
57%

4 listings

This home is asking 2% above the median, higher than three quarters of them.

See all homes in Lakeport

Asking 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
$6,975
Total land transfer tax
$6,975
First-time buyer rebates (Ontario up to $4,000)
−$4,000
Total for first-time buyers
$2,975
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 $525,000
$2,500
Ontario total
$6,975

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.

13 records · 7 on fileRead 2026-11-07
250 m500 m1 km2 kmBeyond · area-wideNo mapped wetland within 120 mNo water-supply well recorded within 250 mGroundwater recorded about 2.1 m below ground nearbyOutside the Greenbelt, Oak Ridges Moraine and Niagara Escarpment plan areasNearest airport: 5.9 kmA trail on the Ontario trail network within 1 kmNo licensed pit or quarry within 2 kmNo recorded oil, gas or salt well within 250 m1 facility within 1 km reports pollutant releases to Environment CanadaNo federal contaminated site within 1 kmElectricity is distributed here by Alectra Utilities CorporationWired internet 50/10 Mbps or faster is listed at this locationAcross the surrounding area: fibre to the home, cable, DSL internet listed
On record Checked, none on record

Water and conservation3

  • No mapped wetland within 120 m120 m
  • No water-supply well recorded within 250 m250 m
  • Groundwater recorded about 2.1 m below ground nearbyThe middle water level in the well records within 500 m (5 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: 5.9 km5.9 km

Province of Ontario open data

Around the home1

  • A trail on the Ontario trail network within 1 km1 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
  • 1 facility within 1 km reports pollutant releases to Environment CanadaThe nearest is Regional Municipality of Niagara — Port Dalhousie Wastewater Treatment Plant, 850 m away. Facilities report to the National Pollutant Release Inventory above set thresholds; reporting a release is not a finding of harm.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 this locationFixed wireless 50/10 Mbps or faster. LTE mobile coverage listed. ISED’s National Broadband Data at the nearest household point (0 m from the listing); 50/10 Mbps is its top category and includes faster plans. Confirm with a provider for this address.At the address
  • 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, 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

ElementaryTypeDistanceEQAO average 2024–25
École élémentaire L'HéritageConseil scolaire ViamondeFrench-language public · grades JK–8300 m85%Grade 6 average
William Hamilton Merritt Public SchoolDSB NiagaraPublic · grades JK–8800 m83%Grade 6 average
Parnall Public SchoolDSB NiagaraPublic · grades JK–8850 m86%Grade 6 average
St James Catholic Elementary SchoolNiagara CDSBCatholic · grades JK–81.2 km87%Grade 6 average
SecondaryTypeDistanceGrade 9 math 2024–25
Saint Francis Catholic Secondary SchoolNiagara CDSBCatholic · grades 9–12150 m71%Grade 9 math
Lifetime Learning Centre Secondary SchoolDSB NiagaraPublic · grades 9–12350 m—
Eden High SchoolDSB NiagaraPublic · grades 9–12450 m73%Grade 9 math
Governor Simcoe Secondary SchoolDSB NiagaraPublic · grades 9–12 · French Immersion1.8 km66%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.

Lot

Lot area
4,510 sq ft419 m²
Street frontage
35.45 ft10.8 m
Depth
127.22 ft38.8 m
35.45 × 127.22 ftKERWIN GATE

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, measured by MPAC.

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Comparable sales

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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

20% · $105,000

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
$105,000
Total mortgage amount
$420,000
Total interest payment
$298,800
Total purchase cost
$823,800
Mortgage payment
$2,396/mo

Cash Flow Analysis

If you rented this home out at 20% down

Break-even down payment

33%

Monthly carrying cost

$2,704
−$404per month
  • Rent $2,300
  • Shortfall $404

Rental income opens at $2,300, the median asking rent of 55 comparable homes for lease in St. Catharines. Type over it with the rent you expect. This is a planning tool, not advice.

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