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442 - Vine/Linwell, St. Catharines
$659,000
NEWLY updated home on a quiet, peaceful, tree-lined street in the family-friendly Vine / Linwell neighbourhood.The upper level has been completely refreshed and is move-in ready: a brand-new kitchen with new fridge, stove and dishwasher, all-new carpet-free flooring, fresh paint throughout, three bright bedrooms upstairs and a recently updated main bathroom.Downstairs, the partially finished basement includes a three-piece washroom and offers excellent potential, easily finished as an in-law suite with a separate entrance .Perfect for multi-generational living, a home office, or extra income.Peace of mind comes standard: a brand-new electrical panel professionally installed by a licensed electrician and passed ESA inspection(2026), newer roof and soffits (2025), furnace and central air (~10 years),and all appliances included.The oversized lot sits on an established residential street, yet you're only minutes to nearby schools, parks, everyday shopping, The Pen Centre, the QEW and downtown St. Catharines.Ideal for first-time buyers, growing families, or anyone who sees the in-law-suite opportunity.
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| Type | Detached |
| Style | Bungalow |
| Approx. Age | 51-99 |
| Size | 1100-1500 sq. ft. |
| Property Tax | $4,575 |
| Lot Size | 50 ft x 109.03 ft |
| mls© Number | X13836354 |
| Listed By | RE/MAX NIAGARA REALTY LTD, BROKERAGE |
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%
- $3,373
- Property tax
- $381
- Heat allowance
- $150
- Housing costs
- $3,904 / mo
Lenders cap these at 39% of gross income — that sets the number.
Income needed
$120,000
gross annual household income
- Payment at 4%
- $2,773 / mo
- Cash down
- $131,800
Assumes no other monthly debts · 25-yr amortization
Full affordability checkInvestment Analysis
Estimated rent, cap rate and monthly cash flow for this property
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