68 Carlton Street, St. Catharines

Price: $430,000

3 bedrooms, 2 bathrooms

700 - 1,099 sqft

Property Type: Detached

MLS#: X13767630

Welcome to 68 Carlton Street, a renovated bungalow offering flexible living space and excellent investment potential in a convenient St. Catharines location. Updated in 2021, the main level features a bright open-concept layout with pot lights in the living room, and an electric fireplace. The modern kitchen is complete with quartz countertops, stainless steel appliances, ample cabinetry, and patio doors leading to a spacious covered deck, perfect for outdoor dining and entertaining. The main floor also offers two comfortable bedrooms, a contemporary 3 piece bathroom with a large rain shower, and a convenient 2-in-1 washer and dryer. The finished basement offers additional living space with a separate entrance, a kitchenette, 4 piece bathroom, bedroom, and a versatile bonus room ideal for a home office. Outside, the property features a detached single-car garage and a private driveway with additional parking. Conveniently located with easy access to shopping, schools, highways, and everyday amenities, this home offers plenty of flexibility for those looking to live in one space while generating rental income or exploring its potential as an investment property.

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$430,000 - 68 Carlton Street, St. Catharines

Detached for Sale in St. Catharines

Neighbourhood: 451 - Downtown

3Beds
2Baths
700 - 1,099Sq Ft
Detached

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Property Details
MLS Number
X13767630
Property Type
Detached
Status
active
Days on Site
27
Bedrooms
3
Bathrooms
2
Square Feet
700 - 1,099 sqft
Neighbourhood
St. Catharines
Taxes (2026)
$3,250
Listing Brokerage
ROYAL LEPAGE NRC REALTY
Description

Welcome to 68 Carlton Street, a renovated bungalow offering flexible living space and excellent investment potential in a convenient St. Catharines location. Updated in 2021, the main level features a bright open-concept layout with pot lights in the living room, and an electric fireplace. The modern kitchen is complete with quartz countertops, stainless steel appliances, ample cabinetry, and patio doors leading to a spacious covered deck, perfect for outdoor dining and entertaining. The main floor also offers two comfortable bedrooms, a contemporary 3 piece bathroom with a large rain shower, and a convenient 2-in-1 washer and dryer. The finished basement offers additional living space with a separate entrance, a kitchenette, 4 piece bathroom, bedroom, and a versatile bonus room ideal for a home office. Outside, the property features a detached single-car garage and a private driveway with additional parking. Conveniently located with easy access to shopping, schools, highways, and everyday amenities, this home offers plenty of flexibility for those looking to live in one space while generating rental income or exploring its potential as an investment property.

Mortgage Calculator

Estimate your monthly payments for this property

Estimated Payment

$2,206.12/mo

Includes CMHC insurance ($11,997)

$
$
5%10%50%

5-yr fixed avg.

Principal: $387,000Interest: $262,840
Mortgage Amount$398,997
Total Interest$262,840
Est. Property Tax$305/mo
Total Cost$661,837

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: 451 - Downtown

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

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

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.

70
Walk Score
Varies
Price Range

68 Carlton 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)
6.7%
Excellent

Monthly Cash Flow Breakdown

Rental Income+$2,800
Maintenance Fees-$0
Property Tax (est.)-$305
Insurance (est.)-$90
Net Cash Flow+$2,405

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 $614/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 27 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.

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 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.

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    68 Carlton Street, St. Catharines | $430,000 | Battaglia Team