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442 - Vine/Linwell, St. Catharines
$499,000
A 170-foot-deep lot in St. Catharines' North End, minutes from Niagara-on-the-Lake-this is the kind of property that gives you options. Welcome to 186A Lakeshore Road, a 3-bedroom bungalow offering 1,030 sq. ft. of comfortable main-floor living on an impressive 60 x 170 ft lot. Inside, the layout is simple and functional, with all three bedrooms, a full bathroom, kitchen, dining and living areas on one level. Original hardwood floors bring warmth and character to the main living spaces, while the oversized front window fills the living room with natural light. The kitchen overlooks the backyard, and once you see the yard, you'll understand why that's worth mentioning. Mature trees and established gardens surround an exceptionally deep outdoor space with plenty of room for kids, pets, entertaining, gardening or whatever you have in mind. An attached single-car garage adds everyday convenience, while the lower level offers plenty of additional space for storage, hobbies and future possibilities. Some of the important updates have already been handled, including a new furnace in December 2024, central air conditioning in 2016 and an updated electrical panel in 2021. And then there's the location. You're positioned in St. Catharines' sought-after North End with quick access to Niagara-on-the-Lake, nearby walking trails and Lake Ontario, while St. James Catholic Elementary School, Prince Philip Public School and St. Francis Catholic Secondary School are all close by. Shopping, everyday amenities and major routes are also within easy reach. Whether you're a first-time buyer, downsizer or simply looking for a solid bungalow on a lot you don't see every day, 186A Lakeshore Road delivers something increasingly difficult to find: a great North End location, a huge backyard and plenty of opportunity to make it your own.
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| Type | Detached |
| Style | Bungalow |
| Approx. Age | 51-99 |
| Size | 700-1100 sq. ft. |
| Property Tax | $4,753 |
| Lot Size | 60 ft x 170 ft |
| mls© Number | X13705976 |
| Listed By | EXP REALTY |
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%
- $2,554
- Property tax
- $396
- Heat allowance
- $150
- Housing costs
- $3,100 / mo
Lenders cap these at 39% of gross income — that sets the number.
Income needed
$95,000
gross annual household income
- Payment at 4%
- $2,100 / mo
- Cash down
- $99,800
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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