$639,900 - 5 Victoria Street, St. Catharines
Detached for Sale in St. Catharines
31 days on market- MLS Number
- X13143432
- Property Type
- Detached
- Status
- active
- Days on Site
- 31
- Bedrooms
- 4
- Bathrooms
- 2
- Square Feet
- 1,100 - 1,499 sqft
- Neighbourhood
- St. Catharines
- Listing Brokerage
- ROYAL LEPAGE NRC REALTY
Welcome to 5 Victoria St., located on a quiet street within walking distance to St. Catharine's most prestigious and well-known private school, Ridley College. Superb central location close to Brock University, Shopping, Restaurants, Downtown, Hospital, QEW and Highway 406, Wineries and more! This gorgeous two storey 4 Bdrm family home has been professionally renovated from top to bottom. Features: main floor with new white kitchen w/ quartz countertops, new appliances, dining room with built-in cabinets and quartz countertop, living room and three-piece bath. Upper level features 4 nice size bedrooms and 4 piece bath. Sliding doors off dining room to deck and rear yard. Finished lower level boasts nice size family room, kitchenette area/ wet bar w/quartz countertop, laundry room, and closets complete the lower level. Paved driveway, detached garage w/electrical could be used for man cave, she shed, car enthusiasts, the possibilities are endless. Whether you are seeking a family home, student rental or potential investment property, it will suit just about any lifestyle as this home has so much to offer. Enjoy your morning coffee or a glass of wine at the end of the day from your adorable and enclosed front porch! Updates include; furnace and AC (2026), all new windows and doors except side door, freshly painted, new kitchen and baths, all new flooring, fixtures, water filtration system, back up sump pump installed, newly finished basement, 200 amp electrical panel, sump pump back up generator, vapor barrier installed (2017), newly sided and finished landscape. Literally nothing to do here but move in and enjoy! This turn key property won't last and is a must see!
Estimate your monthly payments for this property
Estimated Payment
$3,283.02/mo
Includes CMHC insurance ($17,853)
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.
5 Victoria 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 $582/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 31 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.
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 $2,666 (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.