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451 - Downtown, St. Catharines
$509,000
Welcome to this charming character home offering over 1,200 sq. ft. of living space, 4 bedrooms, and a large, fully fenced backyard on a quiet, tree-lined street just minutes from downtown. Thoughtfully updated while maintaining its timeless charm, this warm and inviting home is ideal for growing families, professionals, or anyone looking for extra space in a walkable neighbourhood. The functional main floor features a bright, open-concept kitchen with direct access to a private deck, creating the perfect setting for summer barbecues, entertaining, or simply relaxing while overlooking the expansive backyard. Perfectly located within walking distance to downtown shops, restaurants, parks, transit, and a highly rated elementary school, this home delivers the ideal balance of character, comfort, and everyday convenience.
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| Type | Detached |
| Style | Other |
| Approx. Age | Not available |
| Size | 1100-1500 sq. ft. |
| Property Tax | $3,071 |
| Lot Size | 32 ft x 132 ft |
| mls© Number | X13126024 |
| Listed By | RE/MAX NIAGARA REALTY LTD, BROKERAGE |
Listing History
- No recent sale history for this listing.
- No recent lease history for this listing.
Could you afford this home?
What the bank counts
This home's actual carrying costs, payment stress-tested at 6%
- Mortgage, tested at 6%
- $2,605
- Property tax
- $256
- Heat allowance
- $150
- Housing costs
- $3,011 / mo
Lenders cap these at 39% of gross income — that sets the number.
Income needed
$93,000
gross annual household income
- Payment at 4%
- $2,142 / mo
- Cash down
- $101,800
Assumes no other monthly debts · 25-yr amortization
Full affordability checkInvestment Analysis
Estimated rent, cap rate and monthly cash flow for this property
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