For SaleDetached · 2-StoreyMLS® #X14117472 · TRREB MLS®
3 Victoria St, St. Catharines, Ontario
Ridley, St. Catharines, Ontario L2S 2K8
- Bedrooms
- 3
- Lot Size
- 30.31 x 127 ft
- Bathrooms
- 2
- Type
- Detached
- Basement
- Partly Finished
$524,900
Estimated market value
About 3 Victoria St
3 Victoria St is a 3-bedroom, 2-bathroom detached house in Ridley, St. Catharines, listed for sale at an asking price of $524,900 (MLS® X14117472).
PRICED TO SELL! This large two storey home is perfect for those wanting to get into the housing market at a great price point. Clean, bright and ready for occupancy, this home boasts three bedrooms, 2 bathrooms and a large attic flex space that could be a rec room, an office, a play room for the kids or make it a large fourth bedroom. This home has been lovingly cared for, with a cozy feel and it is located in the beautiful Ridley area of St. Catharines. It is also centrally located, close to the Downtown core, Ridley College and the GO station. Around the corner is the popular Martindale and Fourth Avenue area which has numerous restaurants and shopping options. DRY partially finished basement offers a two piece bathroom and laundry area. Added space should you wish to finish it! Step out back and enjoy the fully fenced yard and cozy deck area. The detached garage has hydro and could also be used as an office space or workshop for the handyman enthusiast. Opportunities are endless in this beautiful home.
Insights
Condition Score
FairListing notes possible renovation needs
Source: Listing age, structured features and disclosed update language; not an inspection.
Cashflow Quality
Shortfall−$419/mo against the cost of owning (20% down, 4.8%, 25 yrs)
Source: Median of 26 detached homes with 3 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
- $3,886 / 2025
- MLS® number
- X14117472
- Board
- TRREB MLS®
- Property Type
- Detached
- Days on market
- Size
- 1500-2000 sqft
- Lot Size
- 30.31 x 127 ft
- Listed on
- Parking
- Detached, 3 Parking
Listing history
Buy/sell history for 3 Victoria 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 | $524,900 | N/A | For Sale | X14117472 |
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
- 2-Storey
- Community
- Ridley
- Municipality
- St. Catharines
Building
- Size
- 1500-2000 sqft
- Construction
- Vinyl Siding
Inside
- Bedrooms
- 3
- Bathrooms
- 2
- Bathroom Details
- 1 × 2pc Bsmt, 1 × 4pc 2nd
- Basement Type
- Partly Finished
- Kitchens
- 1
Parking
- Driveway
- Private
- Garage Type
- Detached
- Additional Parking
- 3
- Total Parking
- 3
Utilities
- Water
- Municipal
- Cooling
- Central Air
- Heating Type
- Forced Air
Land
- Sewer
- Sewers
- Frontage
- 30.31 ft
- Depth
- 127 ft
- Lot Size
- 30.31 x 127 ft
Additional
- Foundation
- Concrete Block
- Roof
- Asphalt Shingle
- Fireplace
- No
- Pool
- None
- Den
- Yes
- Family room
- Yes
- Extras
- Appliances as is: dishwasher, fridge, stove, microwave. Basement: freezer, washer and dryer. BBQ on patio. Moveable cabinet/island in living room.
Rooms
| Room | Size | Features | Level |
|---|---|---|---|
| Living | 5.46 × 7.73 m | Combined W/Dining | Main |
| Dining | 5.46 × 7.73 m | Combined W/Living | Main |
| Kitchen | 2.34 × 3.92 m | — | Main |
| Primary | 3.41 × 3.55 m | — | 2nd |
| 2nd Br | 4.62 × 2.82 m | — | 2nd |
| 3rd Br | 2.83 × 3.68 m | — | 2nd |
| Bathroom | 1.16 × 1.88 m | — | 2nd |
| Loft | 10.19 × 2.93 m | — | 3rd |
| Bathroom | 2.05 × 1.98 m | — | Bsmt |
| Other | 7.33 × 5.46 m | — | Bsmt |
Map and tour
Land transfer tax on this home
- Ontario land transfer tax
- $6,973
- Total land transfer tax
- $6,973
- First-time buyer rebates (Ontario up to $4,000)
- −$4,000
- Total for first-time buyers
- $2,973
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 $524,900
- $2,498
- Ontario total
- $6,973
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 m15 test or monitoring holes also recorded.250 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: 7.1 km7.1 km
Province of Ontario open data
Around the home2
- Nearest rail line: 170 m170 m
- A trail on the Ontario trail network within 1 km1 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 Con Cast Pipe Inc. — Hy-Grade Precast Concrete, 2.4 km away. Only facilities above the inventory’s reporting thresholds are listed.1 km
- 1 federal contaminated site within 1 kmAll of them are closed. The federal inventory covers federal land only, not 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 this locationFixed wireless 50/10 Mbps or faster. LTE mobile coverage listed. ISED’s National Broadband Data at the nearest household point (10 m from the listing); 50/10 Mbps is its top category and includes faster plans. Confirm with a provider for this address.At the address
- 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 |
|---|---|---|---|
| Edith Cavell Public SchoolDSB Niagara | Public · grades JK–8 | 400 m | 76%Grade 6 average |
| St Anthony Catholic Elementary SchoolNiagara CDSB | Catholic · grades JK–8 | 1 km | 80%Grade 6 average |
| Westdale Public SchoolDSB Niagara | Public · grades JK–8 | 1.2 km | 84%Grade 6 average |
| ÉÉC Immaculée-ConceptionConseil scolaire catholique MonAvenir | French-language Catholic · grades JK–8 | 2 km | 51%Grade 6 average |
| Secondary | Type | Distance | Grade 9 math 2024–25 |
|---|---|---|---|
| DSBN AcademyDSB Niagara | Public · grades 9–12 | 1.2 km | 71%Grade 9 math |
| Denis Morris Catholic High SchoolNiagara CDSB | Catholic · grades 9–12 | 1.8 km | 50%Grade 9 math |
| Sir Winston Churchill Secondary SchoolDSB Niagara | Public · grades 9–12 · French Immersion | 2.1 km | 71%Grade 9 math |
| St Catharines Collegiate Institute and Vocational SchoolDSB Niagara | Public · grades 9–12 | 2.1 km | 74%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 | 150 m |
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
- 3,849 sq ft358 m²
- Street frontage
- 30.31 ft9.2 m
- Depth
- 127 ft38.7 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
- $104,980
- Total mortgage amount
- $419,920
- Total interest payment
- $298,580
- Total purchase cost
- $823,480
- Mortgage payment
- $2,395/mo
Cash Flow Analysis
If you rented this home out at 20% down
Break-even down payment
34%Monthly carrying cost
$2,719- Rent $2,300
- Shortfall $419
Rental income opens at $2,300, the median asking rent of 26 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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