$699,900 - 540 Niagara Street, St. Catharines
Detached for Sale in St. Catharines
- MLS Number
- X13175662
- Property Type
- Detached
- Status
- active
- Days on Site
- 24
- Bedrooms
- 3
- Bathrooms
- 2
- Square Feet
- 700 - 1,099 sqft
- Neighbourhood
- St. Catharines
- Listing Brokerage
- RE/MAX HENDRIKS TEAM REALTY
Nothing to do but move in to this renovated home where almost every major mechanical and cosmetic update has already been completed. Arriving at the property, the curb appeal will immediately stand out featuring a private oversized double-wide driveway with parking for 6+ vehicles. Set back nicely from the road, the home is surrounded by mature trees, landscaped gardens and a newly built oversized front porch. You are welcomed by a bright foyer finished with new tile flooring, fresh paint and an updated exterior door. The oversized family room offers updated flooring, newer windows and a gas fireplace insert creating a inviting atmosphere. The renovated kitchen is finished with quartz countertops, new stainless steel appliances and updated lighting. Adjacent to the kitchen is a bright three-season room, perfect for summer dining while providing direct access to the private courtyard area outside. Originally designed as a three-bedroom home, one bedroom is currently being used as an oversized dining room and could easily be converted back if desired. The primary bedroom features double closets while a three-piece bathroom completes the main floor. The fully remodeled lower level offers a large rec room, additional bedroom, three-piece bathroom and laundry area finished with new tile flooring, pot lighting and fresh paint. The backyard is a standout feature offering both expansive green space with mature trees and a separate courtyard-style entertaining area complete with pergola lounge seating, bar seating and a serving window opening directly into the garage. Additional exterior features include updated soffits, a backyard pond and gated access to the larger yard area. Additional updates include furnace, central air and hot water tank (2024), along with the asphalt driveway, eavestroughs, siding and exterior deck spaces. Come see what this home has to offer today in the desirable North-end of St. Catharines.
Estimate your monthly payments for this property
Estimated Payment
$3,590.85/mo
Includes CMHC insurance ($19,527)
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.
540 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
Fair Market Value
At $1000/sqft, this property is priced in line with current St. Catharines market conditions. The pricing suggests the seller has done their homework. We may have modest room for negotiation, typically 2-4% in today's market.
Market Position
At 24 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.
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.
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 $2,916 (mortgage, taxes, insurance). Consider whether you're comfortable with this as both a home and a financial commitment.