$649,900 - 491 Niagara Street, St. Catharines
Detached for Sale in St. Catharines
67 days on market- MLS Number
- X12989882
- Property Type
- Detached
- Status
- active
- Days on Site
- 67
- Bedrooms
- 4
- Bathrooms
- 2
- Square Feet
- 1,500 - 1,999 sqft
- Neighbourhood
- St. Catharines
- Listing Brokerage
- RE/MAX GARDEN CITY REALTY INC.
Amazing North End 3+1 bedroom, 2 bath Bungalow situated on an oversize 75ft x 100ft lot in a great location close to schools, churches, shopping and QEW. Solid brick home with newer 35 year shingles, updated windows, new soffit, facia and trough in 2024. Updated waterproofing and weepers and built in EV charger. This home is well cared for and features over 1600 sq. ft. of living space on main floor and 1050 sq. ft. of finished area on lower level. Main floor has large living/dining room with wood burning fireplace insert, three nice size bedrooms and spacious kitchen. Lower level has a fourth bedroom, large rec room, 2nd bath, office space and large 29ftx14ft unfinished laundry/work area. Lower level could easily be converted into In-law Suite or Rental Apartment. Back yard has plenty of space for kids to play and an above-ground pool for those hot summer days. This is a solid well built home that will provide many more years of comfort and enjoyment to its new owners. It's time to make This Your Niagara Home.
Estimate your monthly payments for this property
Estimated Payment
$3,334.32/mo
Includes CMHC insurance ($18,132)
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.
491 Niagara 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 $433/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 67 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.
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 $2,708 (mortgage, taxes, insurance). Consider whether you're comfortable with this as both a home and a financial commitment.
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.