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437 - Lakeshore, St. Catharines
$1,049,999
Welcome to 34 Royal York Rd in the beautiful city of St. Catharines, just steps from the waterfront walking trail and Lake Ontario. Nestled among mature trees and well-kept homes, this renovated 4-level backsplit offers exceptional curb appeal on a generous 80 x 133 ft lot, with a 2-car fully finished garage with an insulated door, epoxy flooring, natural gas heating and parking for up to six vehicles. The main floor features a bright, open-concept layout with a stylish living and dining area, highlighted by tray ceilings and pot lights. The custom kitchen is designed for both everyday living and entertaining, complete with a large quartz island, built-in features, premium appliances including a Wolf dual fuel range and Miele dishwasher, and elegant stone countertops. Upstairs offers three spacious bedrooms with closets systems, including a primary suite, an electric fireplace, along with an updated 4-piece bathroom. The lower level includes a cozy family room with a gas fireplace, an additional bedroom, and a 3-piece bath, while the basement walkout provides excellent in-law suite potential. The finished basement adds even more living space with a recreation room with a bar area, and a large updated laundry and storage area. Current upgrades include a Wolf dual fuel range and Miele dishwasher, front and rear California shutters, basement walkout door, front storm door, and multiple convenient access points to the garage and backyard. A rare opportunity to own a move-in-ready home in one of St. Catharines' most desirable North end locations.
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| Type | Detached |
| Style | Backsplit 4 |
| Approx. Age | 51-99 |
| Size | 1100-1500 sq. ft. |
| Property Tax | $5,804 |
| Lot Size | 80 ft x 133.13 ft |
| mls© Number | X13669122 |
| Listed By | REVEL Realty Inc., 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%
- $5,374
- Property tax
- $484
- Heat allowance
- $150
- Housing costs
- $6,008 / mo
Lenders cap these at 39% of gross income — that sets the number.
Income needed
$185,000
gross annual household income
- Payment at 4%
- $4,419 / mo
- Cash down
- $210,000
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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