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Listed 1 month ago

81 Vale Avenue

451 - Downtown, St. Catharines

$497,000

Detached|Bungalow
2 | 1 | 3
About this home

Move in today, grow tomorrow. This charming 2-bedroom, 1-bathroom bungalow offers the perfect combination of modern updates and future potential. A brand-new bathroom, bright sunroom that doubles as the perfect home office, and a thoughtfully designed floor plan make everyday living both comfortable and functional. Downstairs, the basement has already been framed for a third bedroom and second bathroom, providing an excellent opportunity to expand your living space while adding instant value. Outside, you'll find a peaceful, low-maintenance yard accented by beautifully maintained gardens, creating the perfect setting to relax or entertain. The convenient rear entry provides easy access to the home while offering additional storage space for coats, shoes, seasonal items, or gardening equipment. Complete with a detached one-car garage and parking for three vehicles, this home offers both charm and practicality. Situated on a quiet, family-friendly street, you'll enjoy easy access to shopping, parks, schools, major highways, and all the amenities of downtown St. Catharines, including its vibrant restaurants, cafés, boutiques, and entertainment. Ideal for first-time buyers, downsizers, or investors, this move-in-ready home offers the perfect balance of modern updates, future potential, and a convenient location.

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agent
Jonathan Lee
(647) 983-0770
TypeDetached
StyleBungalow
Approx. Age51-99
Size700-1100 sq. ft.
Property Tax$3,200
Lot Size34.3 ft x 100 ft
mls© NumberX13721314
Listed ByREVEL REALTY INC.

Listing History

  • No recent sale history for this listing.
  • No recent lease history for this listing.

Could you afford this home?

What the bank counts

This home's actual carrying costs, payment stress-tested at 6%

Mortgage, tested at 6%
$2,544
Property tax
$267
Heat allowance
$150
Housing costs
$2,961 / mo

Lenders cap these at 39% of gross income — that sets the number.

Down payment20% · $99,400
25-yr amortization

Income needed

$91,000

gross annual household income

Payment at 4%
$2,091 / mo
Cash down
$99,400

Assumes no other monthly debts · 25-yr amortization

Full affordability check

Investment Analysis

Estimated rent, cap rate and monthly cash flow for this property

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