$589,000 - 476 GENEVA Street, St. Catharines
Detached for Sale in St. Catharines
45 days on market- MLS Number
- X13087930
- Property Type
- Detached
- Status
- active
- Days on Site
- 45
- Bedrooms
- 3
- Bathrooms
- 3
- Square Feet
- 1,100 - 1,499 sqft
- Neighbourhood
- St. Catharines
- Listing Brokerage
- RIGHT AT HOME REALTY
Welcome to 476 Geneva Street, a charming detached home set on a generous lot in the heart of St. Catharines. This well-maintained 3-bedroom home offers a rare combination of space, functionality, and outdoor living, perfect for families, investors, or those looking to downsize without compromise.One of the standout features is the convenience of a main floor primary bedroom, ideal for easy living, accessibility, or multi-generational needs. The home offers a practical layout with comfortable living spaces and plenty of natural light throughout.Step outside to your own private backyard retreat, complete with a gazebo, detached garage, and additional shed-perfect for entertaining, relaxing, or extra storage. The large lot provides ample outdoor space and flexibility for future use.The basement offers excellent potential with a separate entrance and layout that can be easily converted into an in-law suite or income-generating apartment, adding long-term value and versatility.Located in a highly convenient area, you are just minutes from everyday essentials and lifestyle amenities. Enjoy quick access to shopping at Fairview Mall, along with nearby grocery stores, restaurants, schools, and community services. Parks and green spaces are close by, while the scenic Welland Canal offers walking and cycling trails, adding to the appeal of the neighbourhood. Welland Canal is a defining feature of the city and a unique attraction for residents and visitors alike.Commuters will appreciate easy access to major routes including the Queen Elizabeth Way and Highway 406, making travel throughout the Niagara Region and into the GTA seamless.This is an excellent opportunity to own a versatile home on a great lot in a location that offers both convenience and lifestyle.
Estimate your monthly payments for this property
Estimated Payment
$3,021.88/mo
Includes CMHC insurance ($16,433)
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.
476 GENEVA 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 $535/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 45 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.
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.
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.
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 $2,454 (mortgage, taxes, insurance). Consider whether you're comfortable with this as both a home and a financial commitment.