$499,900 - 10 Wiley Street, St. Catharines
Detached for Sale in St. Catharines
42 days on market- MLS Number
- X13100512
- Property Type
- Detached
- Status
- active
- Days on Site
- 42
- Bedrooms
- 3
- Bathrooms
- 3
- Square Feet
- 1,500 - 1,999 sqft
- Neighbourhood
- St. Catharines
- Listing Brokerage
- REVEL Realty Inc., Brokerage
HEY: FIRST-TIME HOME BUYERS, Welcome to 10 Wiley Street - A Timeless Home in the Heart of St. Catharines. Nestled on the northern edge of downtown St. Catharines in the charming Fitzgerald neighbourhood. This classic home offers a rare blend of history, character, and modern comfort. This residence has been home to generations of families and is now ready to welcome its next chapter. Much of its original architectural charm remains beautifully preserved, including soaring high ceilings, elegant banister, and impressive tall baseboards and trim. Thoughtful updates over the years have enhanced the home while maintaining the integrity and warmth of its era. The spacious main floor serves as the heart of the home, featuring a large kitchen, dining area, and living room-perfect for everyday living and entertaining. A generously sized primary bedroom is also conveniently located on this level. YOUR MORTGAGE HELPER lives upstairs in a separate apartment and provides added flexibility, complete with its own kitchenette, bathroom, bedroom, and living space. Access is through the main front entrance and foyer, making it ideal for extended family or tenant. The finished lower level, with its own separate entrance, includes a 3-piece bathroom, workshop, small bedroom, spacious laundry area, and a sizable family room-offering even more functional living space. Additional highlights include parking for up to four vehicles, with access from Maple Street. A unique opportunity to own a piece of history while enjoying modern-day comfort in a prime location.
Estimate your monthly payments for this property
Estimated Payment
$2,564.75/mo
Includes CMHC insurance ($13,947)
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.
10 Wiley Street, St. Catharines
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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
Competitive Pricing
At $333/sqft, this is priced below the area average. This could represent genuine value, but let's investigate why. In my experience, underpriced homes often have deferred maintenance, unfavourable layouts, or motivated sellers. I'll help you determine which it is.
Market Position
At 42 days on site, this property has had reasonable exposure. It hasn't sold immediately (which often indicates overpricing), but isn't languishing either. There's likely room for a 3-5% negotiation from asking price.
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.
Starter Home Potential
3 bedrooms works well for couples planning families or small families with one child. Consider whether you might outgrow the space in 5-7 years. If so, factor in potential moving costs when making your decision. Alternatively, some buyers convert a bedroom to an office and make it work long-term.
Bathroom Count Matters
With 3 bathrooms, morning routines are much smoother. Multiple bathrooms significantly improve daily livability and are a major selling point for resale. Buyers consistently pay more for adequate bathroom counts - this is a strong feature.
Let's See It Together
Photos only tell part of the story. During our showing, I'll point out things the camera doesn't capture: neighbourhood feel, natural light quality, traffic noise, and overall condition. I'll also share what comparable homes have sold for and help you craft a winning strategy if you decide to move forward.