$549,900 - 261 Vine Street, St. Catharines
Detached for Sale in St. Catharines
108 days on market- MLS Number
- X12562218
- Property Type
- Detached
- Status
- active
- Days on Site
- 108
- Bedrooms
- 4
- Bathrooms
- 2
- Square Feet
- 700 - 1,099 sqft
- Neighbourhood
- St. Catharines
- Listing Brokerage
- RE/MAX NIAGARA REALTY LTD, BROKERAGE
Beautifully Renovated Bungalow in the Heart of St. Catharines -Welcome to this stunning, move-in-ready bungalow nestled in one of St. Catharines' most convenient and sought-after locations. From the moment you step inside, you'll be impressed by the bright, open-concept main living space, thoughtfully redesigned with modern finishes, new flooring, and an abundance of natural light pouring in through updated windows.The custom kitchen is a true showstopper, featuring elegant quartz countertops, sleek cabinetry, and a full suite of newer appliances-all included-making it perfect for both everyday living and entertaining.The main floor offers three generously sized bedrooms, each complete with closets, along with a beautifully renovated 4-piece bathroom designed with style and functionality in mind.A separate side entrance adds incredible versatility, providing direct access to the backyard or the potential for a private basement entrance-ideal for future in-law or income suite possibilities.Downstairs, the partially finished basement boasts over 7 feet of ceiling height and a dry, solid structure-offering endless potential to expand your living space, create a rental unit, or accommodate multi-generational living.Outside, enjoy the convenience of an extra-deep driveway leading to a detached garage, along with an almost fully fenced backyard-perfect for families, pets, or outdoor entertaining.Key Updates Include:Furnace (2020)Roof (2018)Updated wiring and plumbing
Estimate your monthly payments for this property
Estimated Payment
$2,821.27/mo
Includes CMHC insurance ($15,342)
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.
261 Vine Street, 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 $786/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.
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.
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 $2,291 (mortgage, taxes, insurance). Consider whether you're comfortable with this as both a home and a financial commitment.