2 Richmond Avenue, St. Catharines

Price: $439,900

4 bedrooms, 2 bathrooms

1,100 - 1,499 sqft

Property Type: Detached

MLS#: X12846954

Welcome to this charming 2-storey home offering 3+1 bedrooms and 2 full bathrooms, perfectly located close to highways, downtown and shopping. This well-maintained property features mostly hardwood flooring and a bright, spacious kitchen with updated countertops (2024) that walks out to a covered deck - perfect for entertaining. Enjoy the enclosed front porch for added living space and curb appeal. The upper-level bathroom has been refreshed with a new bathtub and surround, while the finished basement offers a versatile 4th bedroom and additional living space ideal for guests, a home office, or recreation area. Updates include new pot lights throughout (2024), front steps and railing (2024), roof over covered deck (2025), newer furnace and air conditioner, roof and windows approximately 9 years old with parking for 3 vehicles in the private driveway, this home offers comfort, functionality, and convenience in one complete package. A great opportunity for families, first-time buyers, or investors alike!

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$439,900 - 2 Richmond Avenue, St. Catharines

Detached for Sale in St. Catharines

107 days on market
4Beds
2Baths
1,100 - 1,499Sq Ft
Detached
Property Details
MLS Number
X12846954
Property Type
Detached
Status
active
Days on Site
107
Bedrooms
4
Bathrooms
2
Square Feet
1,100 - 1,499 sqft
Neighbourhood
St. Catharines
Listing Brokerage
iCloud Realty Ltd.
Description

Welcome to this charming 2-storey home offering 3+1 bedrooms and 2 full bathrooms, perfectly located close to highways, downtown and shopping. This well-maintained property features mostly hardwood flooring and a bright, spacious kitchen with updated countertops (2024) that walks out to a covered deck - perfect for entertaining. Enjoy the enclosed front porch for added living space and curb appeal. The upper-level bathroom has been refreshed with a new bathtub and surround, while the finished basement offers a versatile 4th bedroom and additional living space ideal for guests, a home office, or recreation area. Updates include new pot lights throughout (2024), front steps and railing (2024), roof over covered deck (2025), newer furnace and air conditioner, roof and windows approximately 9 years old with parking for 3 vehicles in the private driveway, this home offers comfort, functionality, and convenience in one complete package. A great opportunity for families, first-time buyers, or investors alike!

Mortgage Calculator

Estimate your monthly payments for this property

Estimated Payment

$2,256.92/mo

Includes CMHC insurance ($12,273)

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5-yr fixed avg.

Principal: $395,910Interest: $268,891
Mortgage Amount$408,183
Total Interest$268,891
Est. Property Tax$312/mo
Total Cost$677,075

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

2 Richmond Avenue, St. Catharines

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Investor Analysis

Rental income estimator & ROI calculator

Estimated Monthly Rent
$3,200/mo
Range: $2,720 - $3,680
Cap Rate (ROI)
7.6%
Excellent

Monthly Cash Flow Breakdown

Rental Income+$3,200
Maintenance Fees-$0
Property Tax (est.)-$312
Insurance (est.)-$92
Net Cash Flow+$2,796

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 $400/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 107 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.

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.

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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    2 Richmond Avenue, St. Catharines | $439,900 | Battaglia Team