$630,000 - 9 Fitzroy Lane, St. Catharines
Detached for Sale in St. Catharines
44 days on market- MLS Number
- X13088216
- Property Type
- Detached
- Status
- active
- Days on Site
- 44
- Bedrooms
- 4
- Bathrooms
- 2
- Square Feet
- 700 - 1,099 sqft
- Neighbourhood
- St. Catharines
- Listing Brokerage
- REVEL Realty Inc., Brokerage
A charming, well-maintained backsplit, tucked away on a quiet, family-friendly street in a desirable North End St Catharines neighbourhood. Step inside to a bright, open main floor featuring a spacious living room and dining room with large picture windows, an updated kitchen with ample cabinetry and natural light. Luxury vinyl in main living areas (kitchen, living, dining, main bath, primary bedroom). Upstairs you'll find three generously sized bedrooms and a 4-piece bathroom. The 3rd level boasts a cozy family room with a 3-piece bathroom and a gas fireplace. From the Family Room, find your way to the 4th level to find the Furnace / CA ( 5 years old ), Electrical, Water Heater and Laundry Area. Enjoy the low maintenance, private backyard perfect for entertaining, gardening, or relaxing. The current owners installed leaf gutter guards in 2024. With a separate side entrance and a large detached garage with electrical, the garage can also be a work shop and more. This home is as functional as it is inviting. Just minutes from great schools, shopping, parks, and Port Dalhousie, Niagara-on-the-lake and the Welland Canal Walking and Biking trails. Just a few minutes bike ride to Sunset Beach, with one of the nicest Sunsets on the Great Lakes!
Estimate your monthly payments for this property
Estimated Payment
$3,232.23/mo
Includes CMHC insurance ($17,577)
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 Fitzroy Lane, 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 $900/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 44 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.
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 $2,625 (mortgage, taxes, insurance). Consider whether you're comfortable with this as both a home and a financial commitment.