$749,900 - 628 Vine Street, St. Catharines
Detached for Sale in St. Catharines
39 days on market- MLS Number
- X13114342
- Property Type
- Detached
- Status
- active
- Days on Site
- 39
- Bedrooms
- 3
- Bathrooms
- 2
- Square Feet
- 700 - 1,099 sqft
- Neighbourhood
- St. Catharines
- Listing Brokerage
- BOLDT REALTY INC., BROKERAGE
Welcome to this beautifully maintained North-end St. Catharines side-split, ideally located just minutes from Lake Ontario, Sunset Beach, scenic trails, parks, shopping, and top-rated schools. This home offers the perfect balance of comfort, lifestyle, and convenience for families and downsizers alike. Lovingly cared for by the same family for nearly 40 years, pride of ownership is evident throughout. The bright open-concept main floor creates a warm and inviting space where everyday living and entertaining come together effortlessly. The living room features an electric fireplace with ambient lighting and flows seamlessly into the updated kitchen, complete with quartz countertops, stainless steel appliances, custom cabinetry, and a large island perfect for gathering with family and friends. Upstairs offers three spacious bedrooms and a beautifully updated spa-inspired bathroom with modern finishes. The finished lower level provides additional living space with a cozy recreation room centered around a wood-burning fireplace with granite surround, along with a stunning oversized custom shower, heated floors in the basement bathroom and hallway, ceiling speakers, and pot lights for added comfort. This home has also seen numerous important updates over the years including stucco exterior (2023), garage doors and openers (2023), furnace and A/C (2021), roof (2019), owned tankless water heater, and newer windows and doors. Step outside to enjoy a private fenced backyard featuring a covered porch, patio, decorative pond with lighting and heater, vegetable garden, and over 20 manicured shrubs. An interlocking circular driveway provides parking for up to five vehicles, while the heated two-car garage with summer kitchen offers incredible flexibility. A wonderful opportunity to own a thoughtfully updated home in one of St. Catharines' most desirable north-end communities.
Estimate your monthly payments for this property
Estimated Payment
$3,847.38/mo
Includes CMHC insurance ($20,922)
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.
628 Vine 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 $1071/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 39 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 $3,125 (mortgage, taxes, insurance). Consider whether you're comfortable with this as both a home and a financial commitment.