178 Scott Street Unit 36, St. Catharines

Price: $425,000

2 bedrooms, 2 bathrooms

1,200 sqft

Property Type: Condo

MLS#: X12839062

Welcome to easy living at the northern-resort-style complex known as The Clusters. Unit 36 offers bright, comfortable space in a peaceful yet well-connected north-end location. Here are a few reasons why we think you'll love it! 1. Comfortable space that works - 1,210 sq.ft. above grade plus a finished walk-out lower level provides flexibility for daily living, guests, or working from home. 2. Light-filled main floor - Vaulted ceilings and large updated windows bring in plenty of natural light, while warm wood accents add character. 3. Private outdoor space - The eat-in kitchen looks out to a low-maintenance backyard (perks of condo living!) that backs onto a privacy wall, making it a quiet place to relax. 4. Finished lower level - The walk-out level includes a gas fireplace, laundry area with wet bar (including mini-fridge), bonus living space, and interior access to the garage. 5. Ideally-located, and walkable - The Clusters is known for its heated outdoor resort-like pool, mature trees, and walking access through Fairview Park to Costco, Fairview Mall, Zehrs, and other nearby amenities. QEW access is less than an minute away for easy access to rest of the city! This townhome is a great value and a solid option for first-time buyers or downsizers looking for low-maintenance living with the convenience of a move-in ready home and nearby access to several shopping necessities.

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$425,000 - 178 Scott Street Unit 36, St. Catharines

Condo for Sale in St. Catharines

108 days on market
2Beds
2Baths
1,200Sq Ft
Condo
Property Details
MLS Number
X12839062
Property Type
Condo
Status
active
Days on Site
108
Bedrooms
2
Bathrooms
2
Square Feet
1,200 sqft
Neighbourhood
St. Catharines
Locker
None
Exposure
North
Balcony
None
Listing Brokerage
BOSLEY REAL ESTATE LTD.,
Description

Welcome to easy living at the northern-resort-style complex known as The Clusters. Unit 36 offers bright, comfortable space in a peaceful yet well-connected north-end location. Here are a few reasons why we think you'll love it! 1. Comfortable space that works - 1,210 sq.ft. above grade plus a finished walk-out lower level provides flexibility for daily living, guests, or working from home. 2. Light-filled main floor - Vaulted ceilings and large updated windows bring in plenty of natural light, while warm wood accents add character. 3. Private outdoor space - The eat-in kitchen looks out to a low-maintenance backyard (perks of condo living!) that backs onto a privacy wall, making it a quiet place to relax. 4. Finished lower level - The walk-out level includes a gas fireplace, laundry area with wet bar (including mini-fridge), bonus living space, and interior access to the garage. 5. Ideally-located, and walkable - The Clusters is known for its heated outdoor resort-like pool, mature trees, and walking access through Fairview Park to Costco, Fairview Mall, Zehrs, and other nearby amenities. QEW access is less than an minute away for easy access to rest of the city! This townhome is a great value and a solid option for first-time buyers or downsizers looking for low-maintenance living with the convenience of a move-in ready home and nearby access to several shopping necessities.

Mortgage Calculator

Estimate your monthly payments for this property

Estimated Payment

$2,180.47/mo

Includes CMHC insurance ($11,858)

$
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5%10%50%

5-yr fixed avg.

Principal: $382,500Interest: $259,784
Mortgage Amount$394,358
Total Interest$259,784
Est. Property Tax$301/mo
Total Cost$654,141

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.

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Neighbourhood Guide: St. Catharines

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

Local Elementary SchoolPublic Elementary
Local Secondary SchoolPublic High School

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.

70
Walk Score
Varies
Price Range

178 Scott Street Unit 36, St. Catharines

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Investor Analysis

Rental income estimator & ROI calculator

Estimated Monthly Rent
$2,520/mo
Range: $2,142 - $2,898
Cap Rate (ROI)
3.8%
Fair

Monthly Cash Flow Breakdown

Rental Income+$2,520
Maintenance Fees-$780
Property Tax (est.)-$301
Insurance (est.)-$89
Net Cash Flow+$1,350

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 Battaglia - Top Real Estate Agent in Mississauga, REMAX Realty Specialists

Joe's Thoughts

Honest perspective from 30+ years of GTA real estate experience

Competitive Pricing

At $354/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 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.

Condo Considerations

For condos, I always review the status certificate thoroughly. Key things I look for: reserve fund health (should be well-funded), any upcoming special assessments, rules that might affect your lifestyle (pets, rentals, renovations), and the corporation's financial statements. We'll want to verify the monthly fees and what they include.

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.

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    178 Scott Street Unit 36, St. Catharines | $425,000 | Battaglia Team