$549,999 - 3 Victoria Street, St. Catharines
Detached for Sale in St. Catharines
New — Listed 2 days agoNeighbourhood: 459 - Ridley
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- MLS Number
- X13862716
- Property Type
- Detached
- Status
- active
- Days on Site
- 2
- Bedrooms
- 3
- Bathrooms
- 2
- Square Feet
- 1,500 - 1,999 sqft
- Neighbourhood
- St. Catharines
- Taxes (2025)
- $3,886
- Listing Brokerage
- REVEL Realty Inc., Brokerage
Welcome to 3 Victoria Street located in the beautiful Ridley area of St. Catharines. Featuring three bedrooms and two baths, this open concept home is ready for your finishing touches. Well-maintained, bright and airy, this character home is centrally located, close to the Downtown core, Ridley College and the GO station. Around the corner is the popular Martindale and Fourth Avenue area which boasts numerous restaurants and shopping options. The home also features a bonus fully finished third floor attic space perfect for another bedroom, flex space, office, playroom and more. DRY partially finished basement offers a two piece bathroom and laundry area. Added space should you wish to finish it! Step out back and enjoy the fully fenced yard and cozy deck area. The detached garage has hydro and could also be used as an office space or workshop for the handyman enthusiast. Opportunities are endless in this beautiful home. Perfect for first time buyers, commuters or anyone looking to purchase a move-in ready home for a great price!
Estimate your monthly payments for this property
Estimated Payment
$2,821.78/mo
Includes CMHC insurance ($15,345)
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 459 - Ridley
459 - Ridley 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 459 - Ridley
- •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
459 - Ridley 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.
3 Victoria 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 $367/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.
Just Listed - Act Strategically
This property hit the market within the last week. In St. Catharines's current market, desirable homes often receive multiple offers within 5-7 days. If you're seriously interested, I recommend booking a showing immediately. However, never let urgency override due diligence - we'll still do proper inspections.
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.
Starter Home Potential
3 bedrooms works well for couples planning families or small families with one child. Consider whether you might outgrow the space in 5-7 years. If so, factor in potential moving costs when making your decision. Alternatively, some buyers convert a bedroom to an office and make it work long-term.
About 459 - Ridley
I know 459 - Ridley 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 $2,292 (mortgage, taxes, insurance). Consider whether you're comfortable with this as both a home and a financial commitment.