$524,900 - 103 Vine Street, St. Catharines
Semi-Detached for Sale in St. Catharines
New — Listed 4 days ago- MLS Number
- X12823262
- Property Type
- Semi-Detached
- Status
- active
- Days on Site
- 4
- Bedrooms
- 5
- Bathrooms
- 2
- Square Feet
- 700 sqft
- Neighbourhood
- St. Catharines
- Listing Brokerage
- NEW ERA REAL ESTATE
Welcome to this beautifully updated semi-detached raised bungalow, ideally situated on a desirable corner lot in a convenient, family-friendly neighbourhood. Offering 5 total bedrooms and plenty of living space, this home is perfect for multi-generational families or investors seeking an income opportunity. The bright and spacious main level features a large living room with plenty of natural light, a separate dining area, and an updated kitchen complete with stylish backsplash, stainless steel appliances, and ample cupboard space. Three comfortable bedrooms and a modern 3-piece bathroom with a walk-in shower complete the main floor. The fully finished basement offers an excellent in-law suite with a separate walk-up entrance, featuring a generous family room, a large eat-in kitchen, two additional bedrooms, and a 4-piece bathroom. The lower-level laundry area is conveniently designed to be shared between both levels. Outside, enjoy a fully fenced backyard with a garden shed and plenty of room for outdoor activities. The large detached garage currently generates monthly rental income, adding even more value to this versatile property. With parking for up to four vehicles, there's room for the whole family. Located close to schools, parks, public transit, and major amenities, and just a short drive to the QEW, this move-in-ready home combines comfort, function, and opportunity all in one. Don't miss your chance to own this exceptional property!
Estimate your monthly payments for this property
Estimated Payment
$2,693.01/mo
Includes CMHC insurance ($14,645)
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.
103 Vine 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 25+ years of GTA real estate experience
Competitive Pricing
At $750/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.
Just Listed - Act Strategically
This property hit the market within the last week. In St. Catharines's current market, desirable homes often receive multiple offers within 5-7 days. If you're seriously interested, I recommend booking a showing immediately. However, never let urgency override due diligence - we'll still do proper inspections.
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.
Excellent Flexibility
With 5 bedrooms, you have genuine flexibility. Beyond the master and kids' rooms, you can have a dedicated home office, guest room, hobby space, or even rental income potential. In today's work-from-home era, extra bedrooms add significant value. Properties with 5+ bedrooms are relatively rare in St. Catharines.
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 $2,187 (mortgage, taxes, insurance). Consider whether you're comfortable with this as both a home and a financial commitment.