34 Chloe Street, St. Catharines

Price: $475,000

5 bedrooms, 3 bathrooms

700 - 1,099 sqft

Property Type: Townhouse

MLS#: X13455198

Perfect for first-time buyers, downsizers, or investors, this well-maintained 2-storey townhome offers comfortable living in a desirable ravine-side setting.The main floor features a bright and functional layout with an open-concept living and dining area, a spacious kitchen, and a walk-out to the rear deck, ideal for summer BBQs and outdoor enjoyment. A convenient 2-piece powder room and inside access to the garage add to the home's practicality.Upstairs, you'll find three generously sized bedrooms with ample closet space and a well-appointed 4-piece bathroom.The finished basement provides additional living flexibility with a 3-piece bathroom and two bonus rooms, perfect for a home office, guest space, hobby room, or gym.Ideally located close to schools, parks, shopping, and everyday amenities, with the Welland Canal just minutes away. A fantastic opportunity to enjoy low-maintenance living in a convenient and scenic location. Roof (2022)

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$475,000 - 34 Chloe Street, St. Catharines

Townhouse for Sale in St. Catharines

Neighbourhood: 450 - E. Chester

5Beds
3Baths
700 - 1,099Sq Ft
Townhouse
Property Details
MLS Number
X13455198
Property Type
Townhouse
Status
active
Days on Site
19
Bedrooms
5
Bathrooms
3
Square Feet
700 - 1,099 sqft
Neighbourhood
St. Catharines
Listing Brokerage
ROYAL LEPAGE NRC REALTY
Description

Perfect for first-time buyers, downsizers, or investors, this well-maintained 2-storey townhome offers comfortable living in a desirable ravine-side setting.The main floor features a bright and functional layout with an open-concept living and dining area, a spacious kitchen, and a walk-out to the rear deck, ideal for summer BBQs and outdoor enjoyment. A convenient 2-piece powder room and inside access to the garage add to the home's practicality.Upstairs, you'll find three generously sized bedrooms with ample closet space and a well-appointed 4-piece bathroom.The finished basement provides additional living flexibility with a 3-piece bathroom and two bonus rooms, perfect for a home office, guest space, hobby room, or gym.Ideally located close to schools, parks, shopping, and everyday amenities, with the Welland Canal just minutes away. A fantastic opportunity to enjoy low-maintenance living in a convenient and scenic location. Roof (2022)

Mortgage Calculator

Estimate your monthly payments for this property

Estimated Payment

$2,437.00/mo

Includes CMHC insurance ($13,253)

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5-yr fixed avg.

Principal: $427,500Interest: $290,346
Mortgage Amount$440,753
Total Interest$290,346
Est. Property Tax$336/mo
Total Cost$731,099

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.

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Neighbourhood Guide: 450 - E. Chester

Discover 450 - E. Chester

450 - E. Chester 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 450 - E. Chester

  • 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

Local Elementary SchoolPublic Elementary
Local Secondary SchoolPublic High School

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

450 - E. Chester 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.

70
Walk Score
Varies
Price Range

34 Chloe Street, St. Catharines

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Investor Analysis

Rental income estimator & ROI calculator

Estimated Monthly Rent
$3,250/mo
Range: $2,763 - $3,737
Cap Rate (ROI)
7.1%
Excellent

Monthly Cash Flow Breakdown

Rental Income+$3,250
Maintenance Fees-$0
Property Tax (est.)-$336
Insurance (est.)-$99
Net Cash Flow+$2,815

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 Battaglia - Top Real Estate Agent in Mississauga, REMAX Realty Specialists

Joe's Thoughts

Honest perspective from 30+ years of GTA real estate experience

Competitive Pricing

At $679/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 19 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.

Townhouse Benefits

Townhouses offer an excellent balance of space and maintenance. You get more room than a condo with lower upkeep than a detached home. Key things to verify: whether it's freehold or condo-titled (affects fees and rules), and the condition of shared walls for noise considerations. Townhouses in St. Catharines have shown strong appreciation as families seek more space.

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.

Excellent Flexibility

With 5 bedrooms, you have genuine flexibility. Beyond the master and kids' rooms, you can have a dedicated home office, guest room, hobby space, or even rental income potential. In today's work-from-home era, extra bedrooms add significant value. Properties with 5+ bedrooms are relatively rare in St. Catharines.

Bathroom Count Matters

With 3 bathrooms, morning routines are much smoother. Multiple bathrooms significantly improve daily livability and are a major selling point for resale. Buyers consistently pay more for adequate bathroom counts - this is a strong feature.

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    34 Chloe Street, St. Catharines | $475,000 | Battaglia Team