What are the monthly costs for 78 Henry Street, St. Catharines?

With 20% down at a 4.49% rate over 25 years, estimated monthly mortgage is approximately $2,221, property taxes ~$354/mo, and no maintenance fees listed. Total estimated monthly carrying cost: ~$2,575. Contact Joe Battaglia for a detailed cost analysis.

Is 78 Henry Street a good investment?

This Detached is priced at $454/sqft. 3 bedrooms and 1 bathrooms in St. Catharines make it suitable for families or rental income. Contact the Battaglia Team for a complimentary investment analysis including rental estimates and comparable sales data.

What is the neighbourhood like around 78 Henry Street?

78 Henry Street is located in St. Catharines, Ontario. The area offers access to local schools, parks, transit, and amenities. The neighbourhood features established residential streets. Contact Joe Battaglia for a detailed neighbourhood report including school rankings, walk scores, and recent sales.

How do I book a showing for 78 Henry Street, St. Catharines?

To book a private showing for 78 Henry Street, contact Joe Battaglia directly at (416) 564-6611 or use the "Schedule a Showing" button on this page. Joe typically responds within 1 hour and can arrange same-day or next-day viewings. Virtual tours may also be available upon request.

78 Henry Street - Detached photo 1 of 45 in St. Catharines, Ontario

78 Henry Street - Detached photo 2 of 45 in St. Catharines, Ontario

78 Henry Street - Detached photo 3 of 45 in St. Catharines, Ontario

78 Henry Street - Detached photo 4 of 45 in St. Catharines, Ontario

78 Henry Street - Detached photo 5 of 45 in St. Catharines, Ontario

78 Henry Street - Detached photo 6 of 45 in St. Catharines, Ontario

78 Henry Street - Detached photo 7 of 45 in St. Catharines, Ontario

78 Henry Street - Detached photo 8 of 45 in St. Catharines, Ontario

78 Henry Street - Detached photo 9 of 45 in St. Catharines, Ontario

78 Henry Street - Detached photo 10 of 45 in St. Catharines, Ontario

78 Henry Street - Detached photo 11 of 45 in St. Catharines, Ontario

78 Henry Street - Detached photo 12 of 45 in St. Catharines, Ontario

78 Henry Street - Detached photo 13 of 45 in St. Catharines, Ontario

78 Henry Street - Detached photo 14 of 45 in St. Catharines, Ontario

78 Henry Street - Detached photo 15 of 45 in St. Catharines, Ontario

78 Henry Street - Detached photo 16 of 45 in St. Catharines, Ontario

78 Henry Street - Detached photo 17 of 45 in St. Catharines, Ontario

78 Henry Street - Detached photo 18 of 45 in St. Catharines, Ontario

78 Henry Street - Detached photo 19 of 45 in St. Catharines, Ontario

78 Henry Street - Detached photo 20 of 45 in St. Catharines, Ontario

78 Henry Street - Detached photo 21 of 45 in St. Catharines, Ontario

78 Henry Street - Detached photo 22 of 45 in St. Catharines, Ontario

78 Henry Street - Detached photo 23 of 45 in St. Catharines, Ontario

78 Henry Street - Detached photo 24 of 45 in St. Catharines, Ontario

78 Henry Street - Detached photo 25 of 45 in St. Catharines, Ontario

78 Henry Street - Detached photo 26 of 45 in St. Catharines, Ontario

78 Henry Street - Detached photo 27 of 45 in St. Catharines, Ontario

78 Henry Street - Detached photo 28 of 45 in St. Catharines, Ontario

78 Henry Street - Detached photo 29 of 45 in St. Catharines, Ontario

78 Henry Street - Detached photo 30 of 45 in St. Catharines, Ontario

78 Henry Street - Detached photo 31 of 45 in St. Catharines, Ontario

78 Henry Street - Detached photo 32 of 45 in St. Catharines, Ontario

78 Henry Street - Detached photo 33 of 45 in St. Catharines, Ontario

78 Henry Street - Detached photo 34 of 45 in St. Catharines, Ontario

78 Henry Street - Detached photo 35 of 45 in St. Catharines, Ontario

78 Henry Street - Detached photo 36 of 45 in St. Catharines, Ontario

78 Henry Street - Detached photo 37 of 45 in St. Catharines, Ontario

78 Henry Street - Detached photo 38 of 45 in St. Catharines, Ontario

78 Henry Street - Detached photo 39 of 45 in St. Catharines, Ontario

78 Henry Street - Detached photo 40 of 45 in St. Catharines, Ontario

78 Henry Street - Detached photo 41 of 45 in St. Catharines, Ontario

78 Henry Street - Detached photo 42 of 45 in St. Catharines, Ontario

78 Henry Street - Detached photo 43 of 45 in St. Catharines, Ontario

78 Henry Street - Detached photo 44 of 45 in St. Catharines, Ontario

78 Henry Street - Detached photo 45 of 45 in St. Catharines, Ontario

active

1/45

$499,900 - 78 Henry Street, St. Catharines

Detached for Sale in St. Catharines

Neighbourhood: 451 - Downtown

3Beds

1Baths

1,100 - 1,499Sq Ft

Detached

Want to see this home in person?

Book a private showing with Joe — pick a day and time that works for you.

Property Details

MLS Number: X13813996
Property Type: Detached
Status: active
Days on Site: 15
Bedrooms: 3
Bathrooms: 1
Square Feet: 1,100 - 1,499 sqft
Neighbourhood: St. Catharines
Taxes (2026): $2,948
Listing Brokerage: ROYAL LEPAGE NRC REALTY

Description

78 Henry St. is a charming and beautifully updated 3-bedroom, TWO STOREY character home. The inviting, covered front porch is perfect for morning coffee or evening relaxation. Recent updates are sure to impress; these include the porch, kitchen, flooring, windows, and fresh paint throughout the house. The maintenance free exterior, elevated rear deck, garden/utility shed and fully fenced yard create a convenient and private outdoor retreat. AREA INFLUENCES: Ideally located in the desirable Fitzgerald neighbourhood, just steps from Harriet Tubman Public School. Walking distance to Russell Avenue Community Centre, Catherine Street Park, and nearby shopping & amenities. Book a showing today and come see this gem for yourself!

Mortgage Calculator

Estimate your monthly payments for this property

Estimated Payment

$2,564.75/mo

Includes CMHC insurance ($13,947)

Purchase Price

Down Payment

5%10%50%

Interest Rate (%)

5-yr fixed avg.

Amortization

Frequency

Principal: $449,910Interest: $305,567

Mortgage Amount$463,857

Total Interest$305,567

Est. Property Tax$354/mo

Total Cost$769,424

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.

Ready to get pre-approved?

Know your exact budget before you start house hunting.

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.

Walk Score

Varies

Price Range

78 Henry Street, St. Catharines

Open in Google Maps

Use the map controls to zoom, pan, and switch between map and satellite views. Drag to explore the neighbourhood.

Investor Analysis

Rental income estimator & ROI calculator

Estimated Monthly Rent

$2,800/mo

Range: $2,380 - $3,220

Cap Rate (ROI)

5.6%

Good

Monthly Cash Flow Breakdown

Rental Income+$2,800

Maintenance Fees-$0

Property Tax (est.)-$354

Insurance (est.)-$104

Net Cash Flow+$2,342

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 $454/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 15 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.

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.

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.

Similar Properties Nearby

Active listings in St. Catharines with similar features