233B Vine Street, St. Catharines

Price: $479,900

4 bedrooms, 3 bathrooms

700 - 1,099 sqft

Property Type: Semi-Detached

MLS#: X13012982

Incredible opportunity for investors, first-time buyers, or those looking to downsize! This beautifully renovated semi-detached home in St. Catharines has been updated from top to bottom and offers stylish, carpet-free living throughout. The bright, modern eat-in kitchen is a standout feature, showcasing crisp white cabinetry, new stainless steel appliances, quartz countertops, a sleek backsplash, and potlights. A charming bay window fills the adjoining dinette with natural light, creating the perfect spot for everyday meals. The spacious living and dining area features laminate flooring, a large window, and a walk-out to the backyard-ideal for entertaining or relaxing. A convenient powder room completes the main level. Upstairs, a wood staircase leads to two generous bedrooms, including the primary bedroom with double closets and a beautifully updated ensuite featuring double vanities and contemporary finishes. The fully finished lower level adds exceptional versatility, offering two additional bedrooms or flexible space for a home office, gym, or playroom, along with a full bathroom and a modern, thoughtfully designed laundry room. Step outside to a deep, fully fenced backyard with a patio and green space-perfect for outdoor living, gardening, or creating your own private retreat. A storage shed adds extra convenience. Move-in ready and thoughtfully upgraded, this home delivers comfort, style, and incredible value in a St. Catharines community.

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$479,900 - 233B Vine Street, St. Catharines

Semi-Detached for Sale in St. Catharines

57 days on market
4Beds
3Baths
700 - 1,099Sq Ft
Semi-Detached
Property Details
MLS Number
X13012982
Property Type
Semi-Detached
Status
active
Days on Site
57
Bedrooms
4
Bathrooms
3
Square Feet
700 - 1,099 sqft
Neighbourhood
St. Catharines
Listing Brokerage
RE/MAX REAL ESTATE CENTRE INC.
Description

Incredible opportunity for investors, first-time buyers, or those looking to downsize! This beautifully renovated semi-detached home in St. Catharines has been updated from top to bottom and offers stylish, carpet-free living throughout. The bright, modern eat-in kitchen is a standout feature, showcasing crisp white cabinetry, new stainless steel appliances, quartz countertops, a sleek backsplash, and potlights. A charming bay window fills the adjoining dinette with natural light, creating the perfect spot for everyday meals. The spacious living and dining area features laminate flooring, a large window, and a walk-out to the backyard-ideal for entertaining or relaxing. A convenient powder room completes the main level. Upstairs, a wood staircase leads to two generous bedrooms, including the primary bedroom with double closets and a beautifully updated ensuite featuring double vanities and contemporary finishes. The fully finished lower level adds exceptional versatility, offering two additional bedrooms or flexible space for a home office, gym, or playroom, along with a full bathroom and a modern, thoughtfully designed laundry room. Step outside to a deep, fully fenced backyard with a patio and green space-perfect for outdoor living, gardening, or creating your own private retreat. A storage shed adds extra convenience. Move-in ready and thoughtfully upgraded, this home delivers comfort, style, and incredible value in a St. Catharines community.

Mortgage Calculator

Estimate your monthly payments for this property

Estimated Payment

$2,462.14/mo

Includes CMHC insurance ($13,389)

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5%10%50%

5-yr fixed avg.

Principal: $431,910Interest: $293,342
Mortgage Amount$445,299
Total Interest$293,342
Est. Property Tax$340/mo
Total Cost$738,641

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

233B Vine Street, 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)
6.9%
Excellent

Monthly Cash Flow Breakdown

Rental Income+$3,200
Maintenance Fees-$0
Property Tax (est.)-$340
Insurance (est.)-$100
Net Cash Flow+$2,760

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 $686/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 57 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.

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.

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.

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.

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    233B Vine Street, St. Catharines — $479,900 | Battaglia Team