$389,900 - 38 Spruce Street, St. Catharines
Detached for Sale in St. Catharines
Popular ListingNeighbourhood: 451 - Downtown
- MLS Number
- X13673534
- Property Type
- Detached
- Status
- active
- Days on Site
- 10
- Bedrooms
- 2
- Bathrooms
- 1
- Square Feet
- 700 - 1,099 sqft
- Neighbourhood
- St. Catharines
- Listing Brokerage
- BOSLEY REAL ESTATE LTD.,
Welcome to 38 Spruce Street. This 1940s bungalow is tucked away on a quiet cul de sac in a convenient St. Catharines location. Set on a private lot in a peaceful residential setting, this is a home that offers a comfortable place to settle in today while providing plenty of opportunity for the future. Step through the front door and you are welcomed into a large living room with plenty of space for comfortable everyday living. The home retains much of its original character, including an abundance of original millwork that adds warmth, charm and detail you simply do not find in many newer homes. The main floor continues with two bedrooms and one full bathroom, offering a practical layout that works well for a young family, downsizer or first time buyer, while leaving room to make improvements and add your own personal touches over time. A large attic provides excellent additional storage and offers exciting potential for those looking to create a cozy loft space. The full basement is partially finished and adds another level of usable space for a recreation room, workshop, hobbies, storage or future improvements. Outside, the private lot offers a quiet place for children to play, for family gatherings or simply to enjoy some time outdoors. The detached garage with hydro is another valuable feature, providing secure parking and additional space for tools, equipment, storage or hobbies. For an investor, the combination of a desirable residential setting, practical bungalow layout, private lot, detached garage and unfinished potential throughout the home creates an opportunity to add value over time. For a first time buyer or young family, it offers the chance to get into a well established neighbourhood and make the home their own. The location adds to the appeal, with easy access to public transit, major highways, parks, schools, shopping and everyday amenities.
Estimate your monthly payments for this property
Estimated Payment
$2,000.39/mo
Includes CMHC insurance ($10,878)
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.
38 Spruce 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 $557/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.
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.
Let's See It Together
Photos only tell part of the story. During our showing, I'll point out things the camera doesn't capture: neighbourhood feel, natural light quality, traffic noise, and overall condition. I'll also share what comparable homes have sold for and help you craft a winning strategy if you decide to move forward.