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New7 days ago

28 The Cedars Street

442 - Vine/Linwell, St. Catharines

$689,900

Detached|Backsplit 4
3 | 2 | 6
About this home

Welcome to 28 The Cedars, located in desirable North End St. Catharines. This exceptionally maintained, Taro-built home has been lovingly cared for by the same family. 'The Cedars' is a distinctive neighbourhood featuring avant-garde-style architecture inspired by 1970s Northern California design. These homes were thoughtfully crafted with low profiles, wood cladding, and earthy accents that blend seamlessly into the surrounding landscape. Mature trees and the Walker's Creek Trail System create a peaceful, nature-connected setting, with convenient trail access right from the rear yard. This functional backsplit layout offers generous living space for the whole family, whether gathering around the cozy fireplace in the family room or enjoying a quiet retreat in one of the large private bedrooms. The home features 3+1 spacious bedrooms, 2 full bathrooms, formal living and dining areas, an eat-in kitchen, and a lower-level family room with a sliding glass door walk-out to the rear yard-filling the space with natural light and views of green landscapes. An additional unfinished lower level provides plenty of potential for future living space. An attached garage, abundant storage, a large rear yard, and professionally landscaped perennial gardens add to the home's functionality and charm. Embracing natural light, earthy materials, mature landscaping, and an effortless connection to the outdoors, 28 The Cedars offers a relaxed lifestyle in one of St. Catharines' most distinctive neighbourhoods. This is a rare opportunity to make a truly special property your own.

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agent
Jonathan Lee
(647) 983-0770
TypeDetached
StyleBacksplit 4
Approx. AgeNot available
Size1100-1500 sq. ft.
Property Tax$5,453
Lot Size60 ft x 110 ft
mls© NumberX13823572
Listed ByROYAL LEPAGE NRC REALTY

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%
$3,531
Property tax
$454
Heat allowance
$150
Housing costs
$4,136 / mo

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

Down payment20% · $137,980
25-yr amortization

Income needed

$127,000

gross annual household income

Payment at 4%
$2,903 / mo
Cash down
$137,980

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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