13 Emerald Common, St. Catharines, ON

$729,900
MLS#:X13489796
2 beds
3 baths
1600-1799 sqft
4.0 parking
Residential Condo & Other
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Property Highlights

Welcome to this remarkable Bungaloft condo townhouse located in the coveted neighborhood of 437 - Lakeshore. Expertly crafted featuring premium stucco (plaster) and stone construction, this residence presents an exceptional opportunity offered at $729,900 to acquire a beautiful home in a highly sought-after setting. Designed for both comfortable daily living and elegant entertaining, the layout maximizes natural light, functional flow, and lifestyle utility.

  • 2 Bedrooms and 3 Bathrooms
  • Generous living space spanning 1600-1799 sqft
  • Features a full basement, adding superb versatility for recreation, a home gym, or extra storage
  • 4.0 total parking spaces available with a convenient attached configuration
  • Notable attributes: Primary Bedroom - Main Floor
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

Welcome to Sapphire Estates, one of the north end's most sought-after townhouse communities, loved for its quiet atmosphere, proximity to the lake, scenic walking trails, and everyday conveniences just minutes away. This beautifully maintained bungaloft offers the best of both worlds-comfortable main-floor living with additional space upstairs for family, guests, or hobbies. A soaring two-storey ceiling in the main living area fills the home with natural light and creates an airy, open feel throughout the main level. Hardwood and tile flooring run throughout the main floor, where a seamless open-concept layout connects the kitchen, dining, and living areas. The kitchen is equipped with granite countertops, an island, a peninsula with seating, and a separate breakfast area. Relax by the gas fireplace or step out to the back deck, complete with an automatic awning that lets you choose between sun and shade at the touch of a button. The main-floor primary suite includes a walk-in closet and a full ensuite with a tiled walk-in shower and separate tub. Upstairs, the versatile loft serves as a second family room, home office, or reading nook, complete with an additional bedroom and 4-piece bathroom for guests. A single garage with inside entry to the mudroom and laundry area, along with a concrete driveway accommodating three vehicles, completes this easy-living package.

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Key Features

Bedrooms
2
Bathrooms
3
Kitchens
1
Living Area
1600-1799 sqft
Property Type
Residential Condo & Other

Additional Details

StatusActive
Listed Date6/25/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeCondo Townhouse
Architectural StyleBungaloft
ConstructionStucco (Plaster), Stone
BasementFull
CountyNiagara
Annual Tax$7,074

Parking & Garage

Parking Spaces4.0
Garage Spaces3
Garage TypeAttached

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

Interior Features

Primary Bedroom - Main Floor

Security Features

Community Features

Location

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13 Emerald Common, St. Catharines, ON
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Property History

No historical data available for this property.

This could be the first listing for this address.

Pricing & Value Insights

Data-driven valuation for 13 Emerald Common, St. Catharines, ON L2M 0A7

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

Market Speed
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Mortgage & Affordability Audit

Calculate your monthly payment, minimum downpayment, and land transfer taxes for this home in St. Catharines.

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Interest Rate5.25%
Down Payment$47,990 (6.6%)
* Minimum Canadian down payment required for this price is $47,990.
Amortization Period25 Years
Estimated Monthly Payment$4,064Based on a loan of $681,910 over 25 years.
Purchase Price$729,900
Loan Amount$681,910
Provincial Land Transfer Tax:$11,073
Total Estimated Closing Taxes:$11,073

About Purchasing a Home in St. Catharines, ON

For a property listed at $729,900 in St. Catharines, the legal minimum down payment is $47,990 under current Canadian banking regulations. This calculation applies a 5% requirement on the first $500,000, 10% on the next $499,999, and a flat 20% on any amount exceeding $1,000,000.

Additionally, buyers in Ontario must budget for the Provincial Land Transfer Tax, which is estimated at $11,073 for this transaction. As this listing is in St. Catharines (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $11,073.

Nearby Listings

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City & Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for St. Catharines.

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$658,776

People & Families

Age Distribution

Household Composition

One-person households
25%
Families with children
50%
Couples without children
24%
Other households
0%

Top Ethnic Origins

Chinese11%
English9%
Indian9%
Irish8%

Local Schools Guide

Elementary Schools

Immaculée-Conception
Public153 Church Street, St. Catharines, Ontario, L2R 3E2
6.3
St Nicholas
Public149 Church Street, St. Catharines, Ontario, L2R 3E2
4.4
Harriet Tubman
Public84 Henry Street, St. Catharines, Ontario, L2R 5V4
6.3
St Denis
Public175 Carlton Street, St. Catharines, Ontario, L2R 1S1
5.4
Connaught
Public28 Prince Street, St. Catharines, Ontario, L2R 3X7
8.5

Secondary Schools

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Homes & Housing

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied65%
Rented35%

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Notice: Market Insights are generated by analyzing real-time data and should be used for informational purposes only. Consult with a licensed professional for exact valuations.

Disclaimer: AI Insights are generated by an automated system and should be used for informational purposes only. While we strive for accuracy using current market data and deep-learning models, these assessments do not constitute professional real estate, legal, or financial advice. All property values, predictions, and scores are estimates. We strongly recommend verifying all property details and conducting independent due diligence with a licensed professional before making any purchase decisions.