$759,000 - 621 Lake Street, St. Catharines
Detached for Sale in St. Catharines
102 days on market- MLS Number
- X12860986
- Property Type
- Detached
- Status
- active
- Days on Site
- 102
- Bedrooms
- 4
- Bathrooms
- 3
- Square Feet
- 2,000 - 2,499 sqft
- Neighbourhood
- St. Catharines
- Listing Brokerage
- RE/MAX NIAGARA REALTY LTD, BROKERAGE
Just steps from Lake Ontario, the waterfront trail, and the Welland Canal recreational path, this beautifully updated home is ideally situated and only a short drive to Niagara-on-the-Lake. Whether you're downsizing or upsizing, this property suits every stage of life. Lovingly maintained by the same owner for over 40 years, pride of ownership is evident throughout. There's nothing to do but move in and enjoy. Step into a warm, welcoming foyer that opens to a spacious, open-concept layout featuring gleaming hardwood floors in the living and dining areas, with a thoughtfully designed kitchen overlooking the lush garden. The family room leads out to a large backyard with mature trees and a well-tended garden, perfect for summer BBQs and family gatherings. Additional main-floor conveniences include laundry and a 2-piece powder room. Upstairs, you'll find four generously sized bedrooms, all with beautiful flooring and two 3-piece bathrooms. The spacious primary suite boasts a luxurious ensuite and a large walk-in closet.The basement adds even more living space with two sizable rec rooms and ample storage options.This is a truly stunning, move-in-ready home in an unbeatable location. Dont miss your chance to make it yours!
Estimate your monthly payments for this property
Estimated Payment
$3,894.06/mo
Includes CMHC insurance ($21,176)
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.
621 Lake 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 $380/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 102 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.
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 $3,163 (mortgage, taxes, insurance). Consider whether you're comfortable with this as both a home and a financial commitment.