$599,900 - 9 CHURCHILL Street, St. Catharines
Detached for Sale in St. Catharines
109 days on market- MLS Number
- X12769664
- Property Type
- Detached
- Status
- active
- Days on Site
- 109
- Bedrooms
- 6
- Bathrooms
- 2
- Square Feet
- 700 - 1,099 sqft
- Neighbourhood
- St. Catharines
- Listing Brokerage
- RE/MAX GARDEN CITY REALTY INC, BROKERAGE
A rare find in West St. Catharines for investors or first-time buyers, this extensively renovated 3+3 bedroom bungalow is ideally located just steps to the new GO Train station (currently under construction), on a direct bus route to Brock University and close to downtown, shopping, and amenities. The home features a fully finished basement set up as a self-contained in-law suite (not a legal accessory apartment) with 3 additional bedrooms, kitchen, bathroom, and shared laundry access, creating a flexible layout suited for multi-unit rental or extended family living. Over the past 15 years, the property has undergone significant updates and offers an EnerGuide rating of 78, along with added features such as commercial coin-operated laundry for supplemental income, 5/8" drywall in the lower level for enhanced fire separation, interconnected smoke alarms, and hard-wired network connections throughout. The property is currently fully tenant occupied, generating approximately $3,375/month in rental income (upper $1,875, lower $1,500), with the landlord currently covering utilities. Situated on a deep 160 ft lot, there is additional long-term upside with potential for a detached accessory dwelling unit (DADU), subject to approvals. Tenant occupied-24 hours notice required for all showings.
Estimate your monthly payments for this property
Estimated Payment
$3,077.80/mo
Includes CMHC insurance ($16,737)
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.
9 CHURCHILL Street, St. Catharines
Open in Google MapsUse the map controls to zoom, pan, and switch between map and satellite views. Drag to explore the neighbourhood.
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 $857/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.
Negotiation Opportunity
At 109 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.
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.
Excellent Flexibility
With 6 bedrooms, you have genuine flexibility. Beyond the master and kids' rooms, you can have a dedicated home office, guest room, hobby space, or even rental income potential. In today's work-from-home era, extra bedrooms add significant value. Properties with 5+ bedrooms are relatively rare in St. Catharines.
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 $2,500 (mortgage, taxes, insurance). Consider whether you're comfortable with this as both a home and a financial commitment.