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442 - Vine/Linwell, St. Catharines
$549,900
There's something genuinely special about 32 Ghent Street - and it starts the moment you step inside. The natural wood tongue-and-groove ceiling with exposed beams runs the full length of the open-concept living, dining, and kitchen area, giving this 1951 bungalow a warm, cottage-inspired character that's completely unique. Sliding glass and French doors connect the interior directly to a large rear deck with privacy screening and gas BBQ hookup, making indoor-outdoor living seamless. The kitchen is well-appointed with natural wood cabinetry, dark granite counters, a centre island, stainless appliances, and industrial pendant lighting. Two generously sized bedrooms, a 3-piece bath, dedicated laundry room, and central air round out the single-level layout - carpet free throughout. A detached garage and driveway provide parking for three. The backyard is the kind that makes you stop and look twice - deep, fully fenced, and shaded by a canopy of towering mature trees that create a park-like setting right in the city. Steps to Geneva Street, Scott Street shops and restaurants, and a short drive to the QEW. Vine/Linwell is one of St. Catharines' most established and sought-after north-end neighbourhoods.
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| Type | Detached |
| Style | Bungalow |
| Approx. Age | Not available |
| Size | 1100-1500 sq. ft. |
| Property Tax | $4,000 |
| Lot Size | 60 ft x 125 ft |
| mls© Number | X13617570 |
| Listed By | ROYAL LEPAGE NRC REALTY COMPASS ESTATES |
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%
- $2,815
- Property tax
- $333
- Heat allowance
- $150
- Housing costs
- $3,298 / mo
Lenders cap these at 39% of gross income — that sets the number.
Income needed
$101,000
gross annual household income
- Payment at 4%
- $2,314 / mo
- Cash down
- $109,980
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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