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Listed 12 days ago

34 Royal York Road

437 - Lakeshore, St. Catharines

$1,049,999

Detached|Backsplit 4
3 | 2 | 8
About this home

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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agent
Angela Montano
(647) 283-2643
TypeDetached
StyleBacksplit 4
Approx. Age51-99
Size1100-1500 sq. ft.
Property Tax$5,804
Lot Size80 ft x 133.13 ft
mls© NumberX13669122
Listed ByREVEL 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.

Down payment20% · $210,000
25-yr amortization

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 check

Investment Analysis

Estimated rent, cap rate and monthly cash flow for this property

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