$529,000 - 172 Lake Street, St. Catharines
Detached for Sale in St. Catharines
Neighbourhood: 451 - Downtown
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- MLS Number
- X13794704
- Property Type
- Detached
- Status
- active
- Days on Site
- 21
- Bedrooms
- 2
- Bathrooms
- 2
- Square Feet
- 700 - 1,099 sqft
- Neighbourhood
- St. Catharines
- Lot Size
- 2,648 sqft
- Taxes (2025)
- $3,056
- Listing Brokerage
- EXP REALTY
Look no further! This beautiful home is perfect for first-time buyers or if you are looking to downsize. Renovated throughout, this home has great curb appeal, with new siding (2022), and a covered front porch with modern glass railing. The bright, open main floor features living room, dining room, kitchen with convenient breakfast bar, and updated 2 piece bathroom. On the second floor, you will find two spacious bedrooms with generous closet space, and an updated full 4 piece bathroom. The basement with laundry area has good ceiling height and offers potential to finish for additional living or home office space. Detached garage with newer concrete floor/garage door and roof (2021). Parking is not a concern with a large, newly paved, private driveway, offering plenty of room for guests with space for four vehicles. Conveniently located close to shopping, restaurants, and all amenities. Just a short walking distance to schools, plus quick and easy highway access. This lovely home is ready for you to move in!
Estimate your monthly payments for this property
Estimated Payment
$2,714.04/mo
Includes CMHC insurance ($14,759)
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 451 - Downtown
451 - Downtown 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 451 - Downtown
- •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
451 - Downtown 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.
172 Lake Street, 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
Competitive Pricing
At $756/sqft, this is priced below the area average. This could represent genuine value, but let's investigate why. In my experience, underpriced homes often have deferred maintenance, unfavourable layouts, or motivated sellers. I'll help you determine which it is.
Market Position
At 21 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.
About 451 - Downtown
I know 451 - Downtown well from working with many buyers and sellers here. Each pocket has its own character - let me share what I've learned about this specific street and block. During our showing, I'll point out local amenities, school catchments, and what similar homes have sold for recently.
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 $2,204 (mortgage, taxes, insurance). Consider whether you're comfortable with this as both a home and a financial commitment.