44 Churchill Street, St. Catharines

Price: $469,000

3 bedrooms, 1 bathrooms

700 - 1,099 sqft

Property Type: Detached

MLS#: X13698218

The perfect home for a first time buyer, retiree, or those looking to downsize! Economical, move-in ready and in close proximity to schools, parks, the St. Catharines GO station, community centre, restaurants and all kinds of great amenities. This 3 bedroom, 1 bath bungalow offers a bright, open concept kitchen with updated white cupboards, granite countertops, SS appliances, a cute dining room and doors opening out to a spacious sun-drenched deck ideal for summer BBQs (gas BBQ hook-up), entertaining friends and family or simply enjoying a quiet coffee in the morning. Attractive laminate flooring throughout this carpet-free home with a cozy living room adjacent to the 3 bedrooms. The partially finished basement can be accessed via the front entrance and features the recreation room, laundry room, storage space and utility room. Other great features of this property include central air, driveway parking for 2-3 cars, a workshop with hydro, a large fully fenced backyard - all this in a quiet, convenient, family friendly neighbourhood in the west end of St. Catharines. Get it before it's gone!!

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New Listing
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$469,000 - 44 Churchill Street, St. Catharines

Detached for Sale in St. Catharines

New — Listed 4 days ago

Neighbourhood: 458 - Western Hill

3Beds
1Baths
700 - 1,099Sq Ft
Detached
Property Details
MLS Number
X13698218
Property Type
Detached
Status
active
Days on Site
4
Bedrooms
3
Bathrooms
1
Square Feet
700 - 1,099 sqft
Neighbourhood
St. Catharines
Listing Brokerage
RE/MAX NIAGARA REALTY LTD, BROKERAGE
Description

The perfect home for a first time buyer, retiree, or those looking to downsize! Economical, move-in ready and in close proximity to schools, parks, the St. Catharines GO station, community centre, restaurants and all kinds of great amenities. This 3 bedroom, 1 bath bungalow offers a bright, open concept kitchen with updated white cupboards, granite countertops, SS appliances, a cute dining room and doors opening out to a spacious sun-drenched deck ideal for summer BBQs (gas BBQ hook-up), entertaining friends and family or simply enjoying a quiet coffee in the morning. Attractive laminate flooring throughout this carpet-free home with a cozy living room adjacent to the 3 bedrooms. The partially finished basement can be accessed via the front entrance and features the recreation room, laundry room, storage space and utility room. Other great features of this property include central air, driveway parking for 2-3 cars, a workshop with hydro, a large fully fenced backyard - all this in a quiet, convenient, family friendly neighbourhood in the west end of St. Catharines. Get it before it's gone!!

Mortgage Calculator

Estimate your monthly payments for this property

Estimated Payment

$2,406.21/mo

Includes CMHC insurance ($13,085)

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5-yr fixed avg.

Principal: $422,100Interest: $286,679
Mortgage Amount$435,185
Total Interest$286,679
Est. Property Tax$332/mo
Total Cost$721,864

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: 458 - Western Hill

Discover 458 - Western Hill

458 - Western Hill 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 458 - Western Hill

  • 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

458 - Western Hill 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

44 Churchill Street, St. Catharines

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Investor Analysis

Rental income estimator & ROI calculator

Estimated Monthly Rent
$2,800/mo
Range: $2,380 - $3,220
Cap Rate (ROI)
6.1%
Excellent

Monthly Cash Flow Breakdown

Rental Income+$2,800
Maintenance Fees-$0
Property Tax (est.)-$332
Insurance (est.)-$98
Net Cash Flow+$2,370

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 $670/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.

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.

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 458 - Western Hill

I know 458 - Western Hill 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.

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    44 Churchill Street, St. Catharines | $469,000 | Battaglia Team