12 Colonel Lyall Street, St. Catharines, ON
L2P 0B1
Listed September 11, 2026
Property Tour
About this property
BEACHY AND CHIC! Step into this beautifully appointed freehold townhome and immerse yourself in tranquility. The bright and open main floor welcomes you with large windows overlooking a peaceful backyard oasis with no maintenance patio stones custom painted and designed to feel like you're at a Mediterranean resort. The entire space is move in ready with all newer flooring, paint, light fixtures and California shutters. Stainless steel appliances including a gas stove are all included. The rounded staircase leads you to three good sized rooms including a primary bedroom with large newly renovated ensuite and walk-in closet. The DRY basement is partially finished for added flex space and includes a roughed-in bathroom. Attached garage can fit one small car and also provides further storage space. Priced to sell, this home is perfect for your family.
Features
Property Details
Listing
Property
Location
Taxes & Financials
Cost of Ownership Calculator
What it could cost each month to own 12 Colonel Lyall Street — mortgage, property taxes, fees, insurance, utilities and upkeep. Change any number to match your situation.
Your mortgage
$113,780 · Minimum $31,890
Use the rate your lender or broker quotes you.
Monthly costs
From the listing (2026 tax bill).
Leave at $0 if there isn't one.
Typical for this kind of home.
Hydro, heating, water and sewer.
About 0.75% of the price a year, set aside.
One-time costs
A typical estimate — your lawyer will confirm.
Estimated monthly cost of ownership
$3,601/mo
About $43,212 a year
- $2,516
- $364
- Home insurance$105
- Utilities$260
- Maintenance & repairs$356
Cash needed to close
- Down payment (20%)
- $113,780
- Ontario land transfer tax
- $7,853
- Legal fees, title insurance & inspectionEstimate
- $2,500
- Total
- $124,133
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
12 Colonel Lyall Street, St. Catharines, ON
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Last Updated: September 11, 2026
Listing Office: REVEL Realty Inc., Brokerage
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