$899,000 - 7 Stephen Street, St. Catharines
Detached for Sale in St. Catharines
Popular Listing- MLS Number
- X13259446
- Property Type
- Detached
- Status
- active
- Days on Site
- 8
- Bedrooms
- 4
- Bathrooms
- 2
- Square Feet
- 1,100 - 1,499 sqft
- Neighbourhood
- St. Catharines
- Listing Brokerage
- ROYAL LEPAGE NRC REALTY
Lounge by the sparkling inground pool, enjoy tropical-inspired cocktails at the tiki bar, dine under the pergola-covered patio or unwind on the 2nd patio - quietly tucked away at the rear of the property. The beautifully landscaped grounds create a private, vacation-like setting perfect for entertaining or simply soaking up the sunshine. When you are not outdoors, you will enjoy this immaculate raised bungalow featuring 2 levels awash in natural light. The open-concept main floor offers a warm and inviting atmosphere, featuring rich hardwood and ceramic flooring, a custom-designed kitchen, 3 spacious bedrooms and 5pc spa-like bathroom.The fully finished lower level is a haven for for relaxation and gathering, boasting a spacious family room with cozy fireplace, 4th bedroom complete with a walk-in closet, 4pc bathroom and convenient laundry room equipped with a large utility tub. Adding to the experience is a sizeable detached workshop with heat, electricity and a wood stove, ideal for hobbies, creative pursuits or extra recreational space. A drive-through garage and double concrete driveway provide ample parking and convenience. Whether you're enjoying a peaceful morning brew on the patio, floating in the shimmering pool or hosting family and friends, this exceptional property serves up the ultimate cocktail of chill vibes, fun times and posh living!
Estimate your monthly payments for this property
Estimated Payment
$4,612.34/mo
Includes CMHC insurance ($25,082)
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.
7 Stephen Street, St. Catharines
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Rental income estimator & ROI calculator
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 $817/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.
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 $3,746 (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.