$569,900 - 1 Taylor Avenue, St. Catharines
Detached for Sale in St. Catharines
108 days on market- MLS Number
- X12753036
- Property Type
- Detached
- Status
- active
- Days on Site
- 108
- Bedrooms
- 4
- Bathrooms
- 2
- Square Feet
- 700 - 1,099 sqft
- Neighbourhood
- St. Catharines
- Listing Brokerage
- BOLDT REALTY INC., BROKERAGE
Charming, beautifully updated downtown bungalow offering character, versatility, and excellent income potential! This move-in ready home features a bright and spacious main floor plus a fully self-contained basement suite with a separate entrance, perfect for investors or homeowners looking to offset their mortgage with rental income. Nestled on a quiet, family-friendly street in a desirable residential neighbourhood, you'll enjoy convenient access to schools, shopping, restaurants, public transit, highways, and the downtown core, all just minutes away. The main floor showcases lovely original hardwood floors and wood trim, a generous living room with a large bay window overlooking Pleasant Park, a vibrant community hub hosting events year-round. French doors lead to the dining room and into a well-appointed kitchen with ample cabinetry, counter space, and backyard views. Three good-sized bedrooms and a fully renovated 4-piece bath complete the level. The finished basement (new in 2025) features a separate entrance, large windows, shared laundry with new washer and dryer (2024), and a one-bedroom suite with living room, kitchen, 3-piece bath, and excellent storage. Currently tenanted at $1,300/month inclusive. Outside, enjoy the covered composite front porch, private concrete driveway with parking for five vehicles, and a fully fenced backyard offering a large patio, gardens, green space, and two sheds - including one with hydro - plus plenty of room for kids and entertaining. Recent updates include most windows, new blinds, copper wiring, updated plumbing, 100-amp breaker panel (2025), ceiling fans with remotes, central air (Spring of 2024) and more. A fantastic opportunity to live comfortably upstairs while generating income below - or add a turnkey investment property to your portfolio!
Estimate your monthly payments for this property
Estimated Payment
$2,923.88/mo
Includes CMHC insurance ($15,900)
5-yr fixed avg.
Rates shown are estimates based on typical Ontario 5-year fixed rates. Canadian mortgages use semi-annual compounding as required by law. CMHC insurance applies to purchases under $1.5M with less than 20% down. Estimated property tax uses an approximate 0.85% rate. Contact us for current rate options and pre-approval.
Discover St. Catharines
St. Catharines is a vibrant community in the Greater Toronto Area, offering excellent amenities, schools, and transportation options. This area is popular with families and professionals seeking a balanced lifestyle with access to urban conveniences and natural spaces.
Why Live in St. Catharines
- •Convenient location in St. Catharines
- •Access to local shops and dining
- •Good public transit connections
- •Community parks and green spaces
- •Well-maintained neighbourhoods
Nearby Schools
Transit & Commuting
- •MiWay bus routes throughout the area
- •GO Transit stations within driving distance
- •Easy highway access to 401/403/QEW
- •Walking distance to local amenities
Parks & Amenities
- •Local parks and recreational facilities
- •Community centres
- •Shopping plazas nearby
- •Restaurants and cafes
Lifestyle & Community
St. Catharines offers a wonderful quality of life with a mix of residential charm and urban convenience. Residents enjoy easy access to schools, parks, and shopping, making it an ideal location for families and professionals alike.
1 Taylor Avenue, St. Catharines
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Rental income estimator & ROI calculator
Monthly Cash Flow Breakdown
Note: These are estimates only. Actual figures may vary based on market conditions, property condition, and other factors. Consult with a financial advisor for personalized advice.
Joe's Thoughts
Honest perspective from 30+ years of GTA real estate experience
Fair Market Value
At $814/sqft, this property is priced in line with current St. Catharines market conditions. The pricing suggests the seller has done their homework. We may have modest room for negotiation, typically 2-4% in today's market.
Negotiation Opportunity
At 108 days on site, this property has exceeded the typical selling timeline for St. Catharines. This creates leverage for buyers. The seller may be motivated by carrying costs, life circumstances, or previous deals falling through. I'd recommend a strategic offer below asking with terms that favour you.
Detached Home Advantages
Detached homes in St. Catharines are increasingly scarce and valuable. You'll have no shared walls, full control over renovations, and typically stronger appreciation. Consider the lot size and potential for future additions or basement apartment income. Detached homes also offer the most flexibility for growing families.
Efficient Living
At 700 sqft, this is a more compact space. The upside: lower utility bills, less maintenance, and easier cleaning. Consider how you'll use the space - built-in storage, multi-functional furniture, and good organization become important. Great for singles, couples, or those who prefer a low-maintenance lifestyle.
Family-Friendly Layout
4 bedrooms hits the sweet spot for most families. You'll have room for 2-3 children plus a home office or guest room. This is the most sought-after configuration for families relocating to St. Catharines. Good resale value as demand remains consistent.
Investment Perspective
Looking at this as an investment: St. Catharines properties have averaged 5-7% annual appreciation over the past decade. Your estimated monthly carrying costs would be around $2,375 (mortgage, taxes, insurance). Consider whether you're comfortable with this as both a home and a financial commitment.