Homula Realty Brokerage
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25 Colonel Lyall Street, St. Catharines, ON L2P 0B3

3 beds · 4 baths · 1 kitchen · 6+1 rooms · 3 parking spaces · 1100-1500 sq ft · Att/Row/Townhouse
$575,000
Property tax
$4,416 / year

EXCELLENT STARTER HOME- FULLY FINISHED TOWNHOME WITH NO MONTHLY FEES! This beautiful and practical freehold townhouse in the sought-after Secord Woods neighbourhood, offers the perfect blend of comfort, convenience, and value. Steps from the canal and scenic walking/biking trails, this home features an open-concept main floor plan, a spacious living room with cozy gas fireplace, an upgraded kitchen with solid surface counters open to a dining area with sliding doors leading to a maintenance-free, fully fenced backyard-perfect for entertaining or relaxing. Upstairs are 3 spacious bedrooms, 2 full bathrooms - including a primary suite with a giant walk-in closet and private 3-piece ensuite. The fully finished basement adds even more living space with a full bath-ideal for movie nights, a playroom, or home gym. Parking for 3 (1 in garage, 2 on driveway), this move-in ready gem is an excellent opportunity for first-time buyers or growing families who want it all! Close to the Pen Centre, the NOTL Outlet collection, all amenities in the Glendale area, HWY 406 and the QEW. Freshly painted (2025), Central Air (2025), Backyard (2024) and Basement (2021).

MLS number
X13619642
Type
Att/Row/Townhouse
Status
Active
Bedrooms
3
Bathrooms
4
Postal code
L2P 0B3
Photos
33
Laundry
Not in the unit
45days · this listing
Total days on market across every earlier listing of this propertyRegistration and sign-in required

This listing’s own days on market are shown above. How long the property has been for sale across every earlier listing is drawn from records the board releases only to registered users — a free account opens it, along with the sale history below.

Listing history

This address has been listed 3 times.

Sale history is for registered usersSee what this address sold for and when, across all 3 listings. Free account — the board’s rules require one before sold data can be shown.Create a free account

Where this property is

Where this address sits, matched against open government data.

Matched to a published address point for this address.

Schools

The school boundaries this address is inside, and the schools nearest it. Boards redraw boundaries and cap programs — confirm with the board before this affects a decision.

Other schools nearby

By distance from this address, not school boundary — a school 400 m away can be in another school’s attendance area.

SchoolLevelDistanceRating
Applewood Public School
DSB Niagara
Elementary529 m8.1 / 10
81% met the standard
St Christopher Catholic Elementary School
Niagara CDSB
Elementary889 m7.5 / 10
75% met the standard · 3 of 6 measures
St Theresa Catholic Elementary School
Niagara CDSB
Elementary1.0 km8.0 / 10
80% met the standard · 3 of 6 measures
Ferndale Public School
DSB Niagara
Elementary1.2 km8.7 / 10
87% met the standard
Jeanne Sauve Public School
DSB Niagara
Elementary1.8 km8.2 / 10
82% met the standard
Thorold Secondary School
DSB Niagara
Secondary2.2 km7.9 / 10
79% met the standard · 2 of 6 measures
How the rating is calculated

EQAO — Ontario’s testing agency — publishes, for each school, the percentage of students meeting the provincial standard in Grade 3 and Grade 6 reading, writing and mathematics. The rating is the average of those percentages divided by ten. A school where 72% of students met the standard rates 7.2 out of 10.

Nothing is weighted or adjusted, and schools are not ranked against each other. Where EQAO withholds a result to protect the privacy of a small group of students, that measure is left out rather than counted as zero — so a rating built on fewer than six measures says so.

What it does not measure. It is one year of standardised testing in three subjects. It says nothing about teaching, programs, or whether a school suits a particular child, and it tracks neighbourhood household income closely enough that it partly measures the neighbourhood rather than the school. Treat it as one figure among many.

Source: Ontario Ministry of Education, School Information and Student Demographics (2024–25), Open Government Licence – Ontario.

H-Value

our estimate of this home is for registered usersWhat comparable homes nearby actually sold for, worked into an estimate for this one — with the range it sits in and how far the method has been off in testing.Create a free accountAlready have one? Sign in.

This neighbourhood

Statistics Canada 2021 Census, for the surrounding few blocks — about 941 people.

$80,000Median household income
39.7%Own their home
27.8%Detached houses
36.8Median age
19.4%Born outside Canada
17%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35260851 — the few blocks around this address, home to 941 people. It describes the area, not this property.

941Population
38.4Average age
2.6Household size
$88,400Average household income
$80,000Median household income
40%Own their home
60%Rent
4%Condominiums
19%Born outside Canada
17%University degree
$560,000Average home value
12%Low income
70%Not in the labour force
32%Never married
$20,000 to $24,9992%
$25,000 to $29,9992%
$30,000 to $34,9993%
$35,000 to $39,9994%
$40,000 to $44,9994%
$45,000 to $49,9994%
$50,000 to $59,9995%
$60,000 to $69,9995%
$70,000 to $79,9996%
$80,000 to $89,9996%
$90,000 to $99,9996%
$100,000 and over25%
$100,000 to $124,9999%
$125,000 to $149,9996%
$150,000 to $199,9997%
$200,000 and over2%

Percentages are of the 475 responses in this category. Statistics Canada rounds counts and withholds small ones to keep individuals unidentifiable, so categories with too few people to publish are absent rather than shown as zero.

Source: Statistics Canada, 2021 Census of Population. Contains information licensed under the Open Government Licence – Canada.

Work out the numbers

Everything below is calculated in your browser from figures you can change. Nothing is sent anywhere.

$115,000 · minimum here is $32,500
$2,545.98per month
Borrowed before insurance$460,000
Total borrowed$460,000
Interest over 25 years at 4.5%$303,793

If you rented it out

-$2,913.98per month out of pocket
Rent$0.00
Everything it costs to hold$2,913.98
How this is calculated, and what it leaves out

Canadian fixed-rate mortgages compound semi-annually, not monthly, so the monthly rate here is (1 + rate/2)1/6 − 1. Most calculators use rate ÷ 12, which is the American convention and overstates the payment by tens of dollars a month.

Below 20% down, default insurance is mandatory and is added to the loan rather than paid at closing: 2.80% at 85% loan-to-value, 3.10% at 90%, 4.00% at 95%. It is unavailable at or above $1.5M, which is why 20% is a hard floor there.

Not included: vacancy, property management, capital repairs, income tax, and the fact that a lender qualifies you at a stress-test rate rather than the one you are quoted. This is arithmetic on the numbers above, not a mortgage approval or an opinion of what you can afford.

Listed by REVEL Realty Inc., Brokerage. Listing data provided by the Toronto Regional Real Estate Board.