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Mélanie St-Pierre

Residential and commercial real estate broker · Groupe Sutton Synergie inc. · Saint-Jérôme

Mélanie St-Pierre is a residential and commercial real estate broker with Groupe Sutton Synergie inc. in Saint-Jérôme, Quebec, holding OACIQ licence no. H0823 (verifiable on the OACIQ register), serving Mirabel, Saint-Colomban and Saint-Jérôme since September 2018.

Call · 514-290-8092 Send an email Website ↗

Calculate for Saint-Jérôme: buy or sell

Buy

Land transfer tax, down payment and mortgage in Saint-Jérôme

Starting price: Saint-Jérôme's reference price (median value on the 2026-2028 assessment roll). Change any field and everything is recalculated.

Purchase price in $

Down payment in $

First-time buyer

Droits de mutation (grille de base 2026)$4,573

First-time buyer rebatetick “first-time buyer”

Tax to pay$4,573

Minimum down payment (federal rule)$21,540

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

Mortgage$343,800

Monthly payment, 25 years at 4.58%$1,918

Household income needed (stress test)$87,000

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 Saint-Jérôme 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

An address in Saint-Jérôme or elsewhere: its assessed value

Enter an address in Quebec: assessed value, rank among similar properties, welcome tax at your price and known risks by year of construction.

Payotte stores neither the address nor the results. Values come from public rolls; they are tied to no owner name.

A question about these figures or an address? Mélanie St-Pierre can answer.

Call · 514-290-8092 Send an email Website ↗

What Payotte publishes

Licence: OACIQ no. H0823 ↗ Verifiable on the OACIQ register (link): status, agency and disciplinary record.
Agency: Groupe Sutton Synergie inc.
Office: 995, rue Maher, bureau 203, Saint-Jérôme (Québec) J5L 1Y2
Areas served: Mirabel, Saint-Colomban, Saint-Jérôme Declared in writing, in French: « Mirabel, Saint-Colomban et Saint-Jérôme. »
Services: Residential real estate, Commercial real estate Declared in writing.
Languages: French, English Declared in writing.
Practising since: September 2018 Declared in writing. No Quebec register publishes this date.
Google profile: See on Google Maps ↗

Information confirmed in writing, in French, by Mélanie St-Pierre on November 2, 2026; English translation by Payotte. Page updated on November 2, 2026.

In their own words

Most frequent advice, in their own words

“My most frequent advice: prepare your project well and surround yourself with the right people. A strategy tailored from the start can make all the difference to the price you get, the conditions and your peace of mind.”

Mélanie St-Pierre, written answer of November 2, 2026, in French; English translation by Payotte.

Original in French

« Mon conseil le plus fréquent : préparez bien votre projet et entourez-vous des bonnes personnes. Une stratégie adaptée dès le départ peut faire toute la différence sur le prix obtenu, les conditions et votre tranquillité d’esprit. »

The clients she helps most, in their own words

“I help owners sell and buyers find the right property on the North Shore and in the Laurentians. My approach: careful marketing, candid advice and committed negotiation to defend your interests. Available and attentive, I support you at every step so you can move forward with confidence.”

Mélanie St-Pierre, written answer of November 2, 2026, in French; English translation by Payotte.

Original in French

« J’aide les propriétaires à vendre et les acheteurs à trouver la propriété qui leur convient sur la Rive-Nord et dans les Laurentides. Mon approche : une mise en marché soignée, des conseils francs et une négociation engagée pour défendre vos intérêts. Disponible et attentive, je vous accompagne à chaque étape pour que vous avanciez avec confiance. »

Buying or selling in Saint-Jérôme: the figures

In Saint-Jérôme, the median value of a single-dwelling property (single-family house or condo) is $430,800 on the 2026-2028 assessment roll, across 18,356 units.
Saint-Jérôme's roll values reflect the market as of July 1, 2024: they are not current sale prices.
The welcome tax on a $430,800 purchase in Saint-Jérôme is $4,573 under Quebec's base schedule.
Saint-Jérôme's assessment roll applies to 2026, 2027 and 2028; the next roll takes effect in 2029.
To contest the current roll's assessment, the review request had to be filed before April 30, 2026, unless extended (late assessment notice); the next window closes on April 30, 2029.

Source: Quebec property assessment rolls, Ministère des Affaires municipales et de l'Habitation (Données Québec, CC BY 4.0). Payotte calculations. Understanding property assessment →

Frequently asked questions

Is Mélanie St-Pierre's licence valid?

Mélanie St-Pierre declares OACIQ licence no. H0823, attached to the agency Groupe Sutton Synergie inc.. Payotte publishes no status for this licence: it is verifiable on the OACIQ register, which should be checked before signing.

What areas does Mélanie St-Pierre serve?

Mirabel, Saint-Colomban and Saint-Jérôme, according to Mélanie St-Pierre's written statement of November 2, 2026. The office is located at 995, rue Maher, bureau 203, Saint-Jérôme (Québec) J5L 1Y2.

What services does Mélanie St-Pierre offer?

Residential real estate and Commercial real estate, as a residential and commercial real estate broker. Languages of service: French, English.

How long has Mélanie St-Pierre been practising?

Since September 2018, according to Mélanie St-Pierre's written statement. No Quebec register publishes the date a broker started practising: that date can only come from the professional.

What is the median property value in Saint-Jérôme?

On Saint-Jérôme's 2026-2028 assessment roll, the median value of a single-dwelling property (single-family house or condo) is $430,800, across 18,356 units. These values reflect the market as of July 1, 2024, the roll's reference date, not today's sale prices. Source: Quebec property assessment rolls, Ministère des Affaires municipales et de l'Habitation (Données Québec).

How much is the welcome tax on a $430,800 property in Saint-Jérôme?

$4,573, under Quebec's current base schedule (0.5% up to $62,900, 1% up to $315,000, 1.5% above). The tax is computed on the highest of the price paid, the consideration and the assessed value multiplied by the municipality's comparative factor.

How can I reach Mélanie St-Pierre?

Mélanie St-Pierre can be reached by phone at 514-290-8092 or by email at mstpierre@sutton.com. The agency Groupe Sutton Synergie inc. answers at 450-438-3000. Services are offered in French and 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.

In Saint-Jérôme, Payotte also recommends real estate brokers by area: see the experts in Saint-Jérôme.

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