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Jarrett James

Broker · RE/MAX Niagara Realty · Fort Erie

Jarrett James is a broker with RE/MAX Niagara Realty in Fort Erie, Ontario, holding RECO licence no. 4719978 (verifiable on the RECO register), serving Fort Erie, Ridgeway, Crystal Beach, Stevensville, Lake Erie shoreline and Port Colborne since February 2004.

Call · 905-651-1057 Send an email Website ↗

Calculate for Fort Erie: buy or sell

Buy

Land transfer tax, down payment and mortgage in Fort Erie

No reference price published for Fort Erie: example at $500,000. Change any field and everything is recalculated.

Purchase price in $

Down payment in $

First-time buyer

Ontario land transfer tax$6,475

First-time buyer rebatetick “first-time buyer”

Tax to pay$6,475

Minimum down payment (federal rule)$25,000

Mortgage insurance premium (added to the loan)none (20% or more)

Mortgage$400,000

Monthly payment, 25 years at 4.58%$2,232

Household income needed (stress test)$100,000

Official schedule, bracket by bracket, paid in cash at closing: the tax cannot be financed in the mortgage. Rate: Bank of Canada 5-year fixed mortgage rate (August 2026); your lender will set its own. Income needed: 6.58% qualifying rate, 39% GDS, property tax at 1% a year and $150 a month for heating. Not included: lawyer or notary fees, inspection, title insurance (no official schedule). All the schedules · First-time buyer programs · Down payment and mortgage insurance

Sell

Capital gain on a sale: what is taxable

Your principal residence: generally no tax on the gain. The same federal rule applies in Fort Erie as everywhere in Canada (Income Tax Act).

Sale price in $

Purchase price in $

Capital gain$100,000

Your principal residence (designated every year)$0 taxable

Other property (cottage, rental): taxable amount$50,000

Land transfer tax$0 — paid by the buyer

Agent's commissionnegotiated, not computed

Principal residence designated for every year owned: nothing taxable, but the sale must be reported. Other property: $50,000 of taxable amount is added to your income for the year; the resulting tax depends on your marginal rate and is not computed here.

Principal residence: the Canada Revenue Agency exemption wipes out the gain for each year the home is designated; the sale must still be reported (partial designation: part of the gain becomes taxable). Other property (cottage, rental): half the gain becomes a taxable amount, added to that year's income (1/2 inclusion rate, CRA guide T4037; the increase to 2/3 was cancelled on March 21, 2025 — checked on canada.ca on October 15, 2026). It is not the tax owed: that depends on your marginal rate, which Payotte does not compute. Gain = sale price − purchase price, before selling costs and deductible improvements. No official schedule sets the agent's commission. Tax on selling, case by case

A question about these figures or an address? Jarrett James can answer.

Call · 905-651-1057 Send an email Website ↗

What Payotte publishes

Licence: RECO no. 4719978 ↗ Verifiable on the RECO register (link): status, agency and disciplinary record.
Agency: RE/MAX Niagara Realty
Office: 2622 Stevensville Rd, Unit 2, Stevensville, ON L0S 1S0
Areas served: Fort Erie, Ridgeway, Crystal Beach, Stevensville, Lake Erie shoreline, Port Colborne Declared in writing: “Fort Erie and the surrounding communities of Ridgeway, Crystal Beach, Stevensville and the Lake Erie shoreline, Port Colborne and neighbouring waterfront communities, throughout the Niagara Region”
Services: Residential real estate, Waterfront real estate, Strategic pricing, Negotiation, Professional marketing Declared in writing.
Languages: English Declared in writing.
Practising since: February 2004 Declared in writing.
Google profile: See on Google Maps ↗

Information confirmed in writing by Jarrett James on November 11, 2026. Page updated on November 11, 2026.

In their own words

His specialties, in his own words

“We specialize in residential and waterfront real estate throughout Fort Erie and the Niagara Region. Whether it's finding the perfect lakefront property, helping a family make their next move or preparing a home for the market, we bring a combination of local expertise, strategic pricing, strong negotiation skills and professional marketing to every transaction. We believe every property has its own story, and understanding what makes it unique is key to achieving the best possible outcome for our clients.”

Jarrett James, written answer of November 11, 2026. Published word for word.

Advice to clients and clients helped, in his own words

“One piece of advice we often share with our clients is that real estate is about so much more than the property itself. The neighbourhood, lifestyle and long-term potential are just as important as the home you're buying or selling. Having someone who truly understands the local market can make all the difference. We work with a wide range of clients, from first-time buyers and growing families to retirees, waterfront buyers, luxury homeowners and those relocating to Niagara. We understand that every client has different goals, and we take the time to listen, offer honest advice and develop a strategy that works for their unique situation. We enjoy helping people make confident decisions and discover everything Niagara's South Coast has to offer. With our knowledge of Fort Erie and the surrounding Lake Erie communities, my partner and I help clients look beyond the listing to see the bigger picture — from the character of a neighbourhood to the lifestyle and long-term value of a property.”

Jarrett James, written answer of November 11, 2026. Published word for word.

Frequently asked questions

Is Jarrett James's licence valid?

Jarrett James declares RECO licence no. 4719978, attached to the agency RE/MAX Niagara Realty. Payotte publishes no status for this licence: it is verifiable on the RECO register, which should be checked before signing.

What areas does Jarrett James serve?

Fort Erie, Ridgeway, Crystal Beach, Stevensville, Lake Erie shoreline and Port Colborne, according to Jarrett James's written statement of November 11, 2026. The office is located at 2622 Stevensville Rd, Unit 2, Stevensville, ON L0S 1S0.

What services does Jarrett James offer?

Residential real estate, Waterfront real estate, Strategic pricing, Negotiation and Professional marketing, as a broker. Language of service: English.

How long has Jarrett James been practising?

Since February 2004, according to Jarrett James's written statement.

How can I reach Jarrett James?

Jarrett James can be reached by phone at 905-651-1057 or by email at jarrett@niagararealty.com. Services are offered in English. The buttons at the top of this page start a call or a pre-filled email.

What is the AI Passport?

The AI Passport is a dated page a professional gets on Payotte so that search engines and AI assistants read them correctly: their name, licence and contact details in one place, with a link to the official register. It is neither a ranking nor a recommendation. Payotte does not score professionals who have a Passport, and it does not replace your own check: consult the register before signing.

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