$524,900 - 13 Chestnut Lane, St. Catharines
Semi-Detached for Sale in St. Catharines
49 days on market- MLS Number
- X13044862
- Property Type
- Semi-Detached
- Status
- active
- Days on Site
- 49
- Bedrooms
- 3
- Bathrooms
- 2
- Square Feet
- 1,100 - 1,499 sqft
- Neighbourhood
- St. Catharines
- Lot Size
- 3,025 sqft
- Listing Brokerage
- RE/MAX ESCARPMENT REALTY INC., BROKERAGE
Welcome to 13 Chestnut Lane in sought-after St. Catharines-a versatile and well-maintained property offering excellent value for both investors and end-users alike. This R2-designated semi-detached property features two self-contained units, providing flexibility. The main unit (Unit A) offers a spacious 2-bedroom, 1-bathroom layout, complete with forced air heating, and central air conditioning. The unit also benefits from an egress window in the basement, adding both safety and functionality. The secondary unit (Unit B) is a well-appointed 1-bedroom, 1-bathroom suite, equipped with an efficient heat pump system for heating and cooling. Recent exterior updates include replacement of vinyl siding affected by a prior exterior fire (BBQ-related), completed by the current owner. Both units feature separate electrical services and independent heating/cooling systems, enhancing owner comfort and operational efficiency. While the property shares a single water and sewer connection. Additional features include: Camera System, Two fully fenced rear yards, offering private outdoor space for each unit, Two dedicated parking spaces, Two sump pumps, each with city water backup systems for added peace of mind. Whether you're looking to expand your investment portfolio or secure a home with income potential, 13 Chestnut Lane is a smart and flexible option in a growing community.
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.
13 Chestnut Lane, 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 $477/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.
Negotiation Opportunity
At 49 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.
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.
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.
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.