$549,000 - 39 Elma Street, St. Catharines
Semi-Detached for Sale in St. Catharines
- MLS Number
- X13140696
- Property Type
- Semi-Detached
- Status
- active
- Days on Site
- 26
- Bedrooms
- 4
- Bathrooms
- 2
- Square Feet
- 700 - 1,099 sqft
- Neighbourhood
- St. Catharines
- Listing Brokerage
- HOMELIFE LANDMARK REALTY INC.
Don't Miss Out On This Beautiful, Clean & Bright 3+1 Bedroom Semi-Detached Home In A Very High-Demand North-End Area! This well-maintained home boasts a spacious layout with a large front window that fills the Living Room with natural light. Features include 3 good-sized bedrooms upstairs, a fully finished basement with an additional bedroom, den, and a full bathroom-perfect for guests or in-law suite potential. Enjoy freshly painted interiors, renovated washrooms, an upgraded kitchen with tiled backsplash, new upgraded stainless steel appliances, and renovated kitchen and washrooms. Walk out to a professionally landscaped backyard with a covered patio-ideal for entertaining or relaxing. No carpet throughout, and brand new pot lights on both the main and second floors add a modern touch. Located steps from Elma Street Park (just a 1-minute walk!) and close to all key amenities-QEW access, Fairview Mall, Costco, Home Depot, LCBO, and top-rated schools. Public transit nearby makes commuting easy. Whether you're a first-time buyer, a growing family, or an investor, this home offers excellent value and flexibility. The move-in ready condition means you can settle in right away without any major updates needed. Homes in this area rarely come up in such pristine condition-don't miss your chance to own in one of the most desirable neighborhoods in the city!
Estimate your monthly payments for this property
Estimated Payment
$2,816.65/mo
Includes CMHC insurance ($15,317)
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.
39 Elma 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 $784/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.
Market Position
At 26 days on site, this property has had reasonable exposure. It hasn't sold immediately (which often indicates overpricing), but isn't languishing either. There's likely room for a 3-5% negotiation from asking price.
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 $2,288 (mortgage, taxes, insurance). Consider whether you're comfortable with this as both a home and a financial commitment.