For SaleDetached · BungalowMLS® #X13844188 · TRREB MLS®
446 Geneva St, St. Catharines, Ontario
Vine/Linwell, St. Catharines, Ontario L2N 2H3
- Bedrooms
- 2
- Lot Size
- 60 x 115 ft
- Bathrooms
- 2
- Type
- Detached
- Basement
- Finished
$575,000
Estimated market value
About 446 Geneva St
446 Geneva St is a 2-bedroom, 2-bathroom detached house in Vine/Linwell, St. Catharines, listed for sale at an asking price of $575,000 (MLS® X13844188).
Welcome home to this charming side-split bungalow, tucked into a sought-after, tree-lined neighbourhood just minutes - under 4 km - from the waterfront lifestyle of Port Dalhousie.Step inside to a bright, open-concept living and dining area anchored by a crackling wood fireplace and a sweeping picture window framing the backyard. Picture slow weekend mornings here: coffee in hand, fire glowing, garden views stretching out before you.The main level keeps on giving. A fully insulated family room - flooded with natural light through sliding glass doors to the yard - works beautifully as a home office today, yet converts effortlessly back to an indoor garage or an extra bedroom, complete with a pantry that doubles as a closet. The beautifully renovated modern kitchen offers generous storage and clean, contemporary style. A versatile exercise or hobby room doubles as guest quarters, with convenient access to a 3-piece bath featuring a stand-up shower. A well-appointed laundry room with stacked washer, dryer, and sink, plus a furnace room with access to the insulated crawl space, round out this level.Upstairs, two spacious bedrooms with gleaming hardwood floors share a stylish, updated 4-piece bathroom.Outside, a huge backyard invites summer barbecues, gardening, and play - with two wood sheds keeping sports gear and tools neatly tucked away.And the big-ticket items are done: owned furnace replaced February 2025, roof shingles replaced March 2021, kitchen renovated February 2026, and laminate flooring updated within the last decade. Just move in and enjoy.This one won't last - book your showing today.
Insights
Condition Score
Good2 documented update signals
Source: Listing age, structured features and disclosed update language; not an inspection.
Cashflow Quality
Shortfall−$1,345/mo against the cost of owning (20% down, 4.8%, 25 yrs)
Source: Median of 23 detached homes with 2 bedrooms for lease in St. Catharines right now. Cost of owning counts the mortgage and property tax.
Condition uses listing-record signals, not an inspection.
Key facts
- Tax
- $5,047 / 2026
- MLS® number
- X13844188
- Board
- TRREB MLS®
- Property Type
- Detached
- Days on market
- Size
- 1100-1500 sqft
- Lot Size
- 60 x 115 ft
- Listed on
- Parking
- None, 3 Parking
Listing history
Buy/sell history for 446 Geneva St, St. Catharines, Ontario
Sale history on this site covers the last 2 years, the window permitted under the TRREB MLS® VOW agreement.
| Date Start | Date End | List Price | Price | Event | Listing ID |
|---|---|---|---|---|---|
| Date StartN/A | N/A | $575,000 | N/A | For Sale | X13844188 |
Members see the full history. Prices are hidden from signed-out visitors.
Estimate
Estimated value requires sign in
Market estimates use sold comparables and are available after you sign in and accept MLS® VOW terms.
The estimate is an automated value built from public and MLS® data. It is not an appraisal; ask Michelle Lacroix for a full comparative market analysis.
Property details
Property
- Property Type
- Detached
- Style
- Bungalow
- Community
- Vine/Linwell
- Municipality
- St. Catharines
Building
- Size
- 1100-1500 sqft
- Construction
- Brick
Inside
- Bedrooms
- 2
- Bathrooms
- 2
- Bathroom Details
- 1 × 4pc Upper, 1 × 3pc Lower
- Basement Type
- Finished
- Kitchens
- 1
Parking
- Garage Type
- None
- Additional Parking
- 3
- Total Parking
- 3
Utilities
- Water
- Municipal
- Cooling
- Central Air
- Heating Type
- Forced Air
Land
- Sewer
- Sewers
- Frontage
- 60 ft
- Depth
- 115 ft
- Lot Size
- 60 x 115 ft
Additional
- Foundation
- Concrete, Unknown, Poured Concrete
- Roof
- Shingles
- Fireplace
- Yes
- Pool
- None
- Den
- Yes
- Family room
- Yes
- Extras
- All window Coverings, All Electric Light Fixtures, All Major Appliances (Refrigerator, Stove, Dishwasher, and Washer and Dryer), 2 Wood sheds at the backyard
Rooms
| Room | Size | Features | Level |
|---|---|---|---|
| Living | 4.3 × 6.71 m | Laminate, W/W Fireplace, Combined W/Dining | Main |
| Dining | 4.3 × 6.71 m | Laminate, Large Window, Combined W/Living | Main |
| Kitchen | 2.03 × 4.65 m | Laminate, Modern Kitchen, Custom Counter | Main |
| Br | 3.7 × 3.99 m | hardwood floor, Ceiling Fan, B/I Closet | Upper |
| 2nd Br | 3.17 × 3.75 m | hardwood floor, Ceiling Fan, B/I Closet | Upper |
| Family | 3.58 × 6.32 m | Laminate, Pantry, Sliding Doors | Lower |
| Exercise | 3.96 × 4.27 m | Laminate, Window | Lower |
| Laundry | 1.82 × 4.27 m | Porcelain Floor, Laundry Sink | Lower |
Map and tour
Detached homes for sale in Vine/Linwell right now
- For sale now
- 30
- Median asking price
- $650K
- New in 7 days
- 3
- Price cuts
- 13%
Middle half: $600K to $750K
18 in 28 days
4 listings
This home is asking 12% below the median, lower than three quarters of them.
See all homes in Vine/LinwellAsking prices and counts of the MLS® listings on this site as of today. Asking figures only, never sold or leased prices.
Land transfer tax on this home
- Ontario land transfer tax
- $7,975
- Total land transfer tax
- $7,975
- First-time buyer rebates (Ontario up to $4,000)
- −$4,000
- Total for first-time buyers
- $3,975
See how this is worked out
- 0.5% on the first $55,000
- $275
- 1.0% from $55,000 to $250,000
- $1,950
- 1.5% from $250,000 to $400,000
- $2,250
- 2.0% from $400,000 to $575,000
- $3,500
- Ontario total
- $7,975
An estimate at the asking price, for a home with one or two single-family residences. Your lawyer confirms the exact amount.
Land and environment
Public records about this location. Not part of the MLS® listing and not provided by the listing brokerage.
Water and conservation2
- No mapped wetland within 120 m120 m
- No water-supply well recorded within 250 m250 m
Province of Ontario open data
Planning and building activity2
- Outside the Greenbelt, Oak Ridges Moraine and Niagara Escarpment plan areasAt the address
- Nearest airport: 5.0 km5 km
Province of Ontario open data
Environmental records4
- No licensed pit or quarry within 2 km2 km
- No recorded oil, gas or salt well within 250 m250 m
- No facility within 1 km reports pollutant releases to Environment CanadaThe nearest is Regional Municipality of Niagara — Port Dalhousie Wastewater Treatment Plant, 1.9 km away. Only facilities above the inventory’s reporting thresholds are listed.1 km
- No federal contaminated site within 1 kmThe federal inventory covers federal land only; it says nothing about provincial or private sites.1 km
Province of Ontario open data · Government of Canada open data
Power and internet3
- Electricity is distributed here by Alectra Utilities CorporationAt the address
- Wired internet 50/10 Mbps or faster is listed at a household 30 m awayFixed wireless 50/10 Mbps or faster. LTE mobile coverage listed. ISED’s National Broadband Data at the nearest household point (30 m from the listing); 50/10 Mbps is its top category and includes faster plans. Confirm with a provider for this address.30 m
- Across the surrounding area: fibre to the home, cable, DSL internet listedFibre to the home: Bell, Cogeco Connexion, Niagara Regional Broadband Network. Cable: Cogeco Connexion. DSL: Bell. Fixed wireless: Bell, Last Mile Wireless Internet, NWIC, Rogers, Xplore. Mobile: Bell, Freedom Mobile, Rogers, Telus. Satellite: Xplore. ISED’s list for the surrounding ~25 km² area; check with a provider for this address.Area-wide
Ontario Energy Board · Innovation, Science and Economic Development Canada
Each record is placed at the distance its own line states. None of it is an inspection of the property. Confirm anything that matters to you with the municipality, Niagara Peninsula Conservation Authorityor the record’s publisher.
Contains information licensed under the Open Government Licence – Canada. Contains information licensed under the Open Government Licence – Ontario.
Schools nearby
| Elementary | Type | Distance | EQAO average 2024–25 |
|---|---|---|---|
| Parnall Public SchoolDSB Niagara | Public · grades JK–8 | 400 m | 86%Grade 6 average |
| Our Lady of Fatima Catholic Elementary SchoolNiagara CDSB | Catholic · grades JK–8 · French Immersion | 700 m | 91%Grade 6 average |
| Lincoln Centennial Public SchoolDSB Niagara | Public · grades JK–8 | 800 m | 82%Grade 6 average |
| École élémentaire L'HéritageConseil scolaire Viamonde | French-language public · grades JK–8 | 850 m | 85%Grade 6 average |
| Secondary | Type | Distance | Grade 9 math 2024–25 |
|---|---|---|---|
| Lifetime Learning Centre Secondary SchoolDSB Niagara | Public · grades 9–12 | 1 km | — |
| Eden High SchoolDSB Niagara | Public · grades 9–12 | 1 km | 73%Grade 9 math |
| Saint Francis Catholic Secondary SchoolNiagara CDSB | Catholic · grades 9–12 | 1 km | 71%Grade 9 math |
| Governor Simcoe Secondary SchoolDSB Niagara | Public · grades 9–12 · French Immersion | 1.4 km | 66%Grade 9 math |
EQAO: share of students at or above the provincial standard, 2024–25 (Ontario open data). These are the schools nearest this home, not the schools it is assigned to: boundaries change, and some schools take students by application. Confirm with the board before you buy. Contains information licensed under the Open Government Licence – Ontario.
Transit nearby
| Station | Lines | Distance |
|---|---|---|
| St. Catharines GO | GO Transit train: Lakeshore West | 5 km |
The nearest subway, light rail, train, bus rapid transit stations 5 km, as the crow flies. Source: GO Transit schedule data (GTFS) from Metrolinx under the Open Government Licence – Ontario – Metrolinx, downloaded October 18, 2026. Data used in this product or service is provided with the permission of Metrolinx. Metrolinx makes no representations or warranties of any kind, express or implied, with respect to the Data and assumes no responsibility for the accuracy or currency of the data used in this product or service. Contains information licensed under the Open Government Licence – Ontario – Metrolinx.
Lot
- Lot area
- 6,900 sq ft641 m²
- Street frontage
- 60 ft18.3 m
- Depth
- 115 ft35.1 m
The area is the frontage multiplied by the depth, so boundaries are approximate. Confirm with a survey before you buy.
Source: the MLS® listing record, measured by MPAC.
Comparable sales
Comparable sales require sign in
Closing prices and sold comps are available to registered visitors who accept MLS® VOW terms on this site.
Mortgage Calculator
Plan with the current asking price
CMHC insurance: not required at 20% down. Payments use Canadian semi-annual compounding.
Mortgage Details
4.8% · 5-year term · 25-year amortization · 20% down
- Total down payment
- $115,000
- Total mortgage amount
- $460,000
- Total interest payment
- $327,200
- Total purchase cost
- $902,200
- Mortgage payment
- $2,624/mo
Cash Flow Analysis
If you rented this home out at 20% down
Break-even down payment
61%Monthly carrying cost
$3,045- Rent $1,700
- Shortfall $1,345
Rental income opens at $1,700, the median asking rent of 23 comparable homes for lease in St. Catharines. Type over it with the rent you expect. This is a planning tool, not advice.
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Sold prices in Vine/Linwell are shown to signed-in members.