105 ELMA Street, St. Catharines, ON
L2N 6Z8
Listed October 27, 2026
About this property
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!
Features
Property Details
Listing
Property
Location
Taxes & Financials
Cost of Ownership Calculator
What it could cost each month to own 105 ELMA Street — mortgage, property taxes, fees, insurance, utilities and upkeep. Change any number to match your situation.
Your mortgage
$139,800 · Minimum $44,900
Use the rate your lender or broker quotes you.
Monthly costs
From the listing (2025 tax bill).
Leave at $0 if there isn't one.
Typical for this kind of home.
Hydro, heating, water and sewer.
About 1% of the price a year, set aside.
One-time costs
A typical estimate — your lawyer will confirm.
Estimated monthly cost of ownership
$4,550/mo
About $54,600 a year
- $3,092
- $420
- Home insurance$125
- Utilities$330
- Maintenance & repairs$583
Cash needed to close
- Down payment (20%)
- $139,800
- Ontario land transfer tax
- $10,455
- Legal fees, title insurance & inspectionEstimate
- $2,500
- Total
- $152,755
Estimates only — not a mortgage approval, quote or tax advice. Payments assume a fixed rate compounded semi-annually; minimum down payments, mortgage insurance and land transfer tax follow current CMHC and Ontario rules. Insurance, utilities and upkeep are typical figures for the area. Your lender, lawyer and insurer will confirm your exact costs.
Location & Walkability
105 ELMA Street, St. Catharines, ON
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Last Updated: October 27, 2026
Listing Office: REVEL Realty Inc., Brokerage
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