$574,000 - 5 Victoria Street, St. Catharines
Detached for Sale in St. Catharines
New — Listed 7 days agoNeighbourhood: 459 - Ridley
- MLS Number
- X13682046
- Property Type
- Detached
- Status
- active
- Days on Site
- 7
- Bedrooms
- 4
- Bathrooms
- 2
- Square Feet
- 1,100 - 1,499 sqft
- Neighbourhood
- St. Catharines
- Listing Brokerage
- ROYAL LEPAGE NRC REALTY
Welcome to 5 Victoria St. Located on a quiet street within walking distance to one of Niagara's finest schools, the very prestigious Ridley College. Superb central location close to Brock University, Shopping, Restaurants, Train Station, Downtown, Hospital, QEW & Hwy 406, and some of the finest wineries in the Region. This gorgeous 2 storey 4 Bdrms up family home has been professionally renovated from top to bottom. Features include: Main floor w/new white kitchen w/quartz counter tops, new stainless steel appliances, dining room w/built in cabinet/side board & quartz counter top (great for extra storage), living room & 3pce bath. Upper level features 4 nice size bedrooms, 4 pce bath & attic pull down that could be finished to add more living space or used as excess storage (with window in front and back). Lower level boasts cozy family room, kitchenette/bar area w/quartz counter top, laundry room & closet complete the space. Sliding doors from dining room overlook deck & rear yard. Detached garage w/electrical that would suit many uses. Ideal for the car enthusiast, man cave, she shed, or could be finished to use as an accessory apartment. The possibilities are endless. Whether you are seeking a family home, student rental, investment property, this home would be ideal for just about any lifestyle and has so much to offer. Seller has covered all of the basis. Just move in and enjoy. Building permit obtained before completing basement renovations . Updates completed within the last year include: furnace, air, windows, doors (all except side), new kitchen & baths, new flooring, fixtures, water filtration system, carpet free except basement stairs, back up sump, new basement, new siding, landscaped, vapor barrier installed (2017), and there have been no water issues here due to the recent events in the city. There is literally nothing to do! This property is turn key ready and move in condition.
Estimate your monthly payments for this property
Estimated Payment
$2,944.92/mo
Includes CMHC insurance ($16,015)
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.
5 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 $522/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.
Family-Friendly Layout
4 bedrooms hits the sweet spot for most families. You'll have room for 2-3 children plus a home office or guest room. This is the most sought-after configuration for families relocating to St. Catharines. Good resale value as demand remains consistent.
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 $2,392 (mortgage, taxes, insurance). Consider whether you're comfortable with this as both a home and a financial commitment.