26 Vine Street, St. Catharines

Price: $419,000

3 bedrooms, 2 bathrooms

1,500 - 1,999 sqft

Property Type: Detached

MLS#: X13458552

Discover an amazing opportunity with this versatile rental property, perfect for generating income or living in one unit while renting out the other. Unit one features a two-story layout with a main floor bedroom, two bedrooms upstairs, and a 4-piece bath. Unit two is an open-concept studio/bachelor with a spacious living room and kitchen, a huge recreation room in the basement, and a 4-piece bath. This centrally located building has seen many updates, including replacement windows, a new roof, new floors in the rear unit, an updated bath in the rear unit, and a new furnace.Additional highlights include private laundry facilities in each unit, a beautifully landscaped rear yard with a storage shed, and a very walkable location. Situated in St. Catharines, you'll be close to Fitzgerald Park, St. Patrick's Park, and Catherine Street Park, making this an ideals pot for convenience and comfort.

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active
New Listing
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$419,000 - 26 Vine Street, St. Catharines

Detached for Sale in St. Catharines

New — Listed yesterday
3Beds
2Baths
1,500 - 1,999Sq Ft
Detached
Property Details
MLS Number
X13458552
Property Type
Detached
Status
active
Days on Site
1
Bedrooms
3
Bathrooms
2
Square Feet
1,500 - 1,999 sqft
Neighbourhood
St. Catharines
Listing Brokerage
RE/MAX ABOUTOWNE REALTY CORP.
Description

Discover an amazing opportunity with this versatile rental property, perfect for generating income or living in one unit while renting out the other. Unit one features a two-story layout with a main floor bedroom, two bedrooms upstairs, and a 4-piece bath. Unit two is an open-concept studio/bachelor with a spacious living room and kitchen, a huge recreation room in the basement, and a 4-piece bath. This centrally located building has seen many updates, including replacement windows, a new roof, new floors in the rear unit, an updated bath in the rear unit, and a new furnace.Additional highlights include private laundry facilities in each unit, a beautifully landscaped rear yard with a storage shed, and a very walkable location. Situated in St. Catharines, you'll be close to Fitzgerald Park, St. Patrick's Park, and Catherine Street Park, making this an ideals pot for convenience and comfort.

Mortgage Calculator

Estimate your monthly payments for this property

Estimated Payment

$2,149.69/mo

Includes CMHC insurance ($11,690)

$
$
5%10%50%

5-yr fixed avg.

Principal: $377,100Interest: $256,116
Mortgage Amount$388,790
Total Interest$256,116
Est. Property Tax$297/mo
Total Cost$644,906

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

26 Vine Street, St. Catharines

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Investor Analysis

Rental income estimator & ROI calculator

Estimated Monthly Rent
$2,800/mo
Range: $2,380 - $3,220
Cap Rate (ROI)
6.9%
Excellent

Monthly Cash Flow Breakdown

Rental Income+$2,800
Maintenance Fees-$0
Property Tax (est.)-$297
Insurance (est.)-$87
Net Cash Flow+$2,416

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 $279/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.

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.

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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    26 Vine Street, St. Catharines | $419,000 | Battaglia Team