For SaleSemi-Detached · BungalowMLS® #X14108118 · TRREB MLS®
22 Elm St, St. Catharines, Ontario
Oakdale, St. Catharines, Ontario L2P 2B7
- Bedrooms
- 2+2
- Lot Size
- 29.29 x 132.05 ft
- Bathrooms
- 2
- Type
- Semi-Detached
- Basement
- Apartment
$549,000
Estimated market value
About 22 Elm St
22 Elm St is a 2+2-bedroom, 2-bathroom semi-detached house in Oakdale, St. Catharines, listed for sale at an asking price of $549,000 (MLS® X14108118).
Beautiful 2018-Built Semi-Detached Bungalow with a Finished Basement & Separate Side Entrance! Welcome to this beautifully maintained 2-bedroom semi-detached bungalow offering approximately 1,268 sq. ft. of living space in one of St. Catharines' most desirable neighbourhoods! Built in 2018, this home combines modern construction, functional design, and exceptional versatility, making it an ideal opportunity for first-time homebuyers, growing families, or savvy investors. The professionally finished basement features a separate side entrance and a 2-bedroom in-law/nanny suite, offering excellent potential for extended family living or additional income opportunities, subject to applicable municipal requirements. With its flexible layout and added living space, this property offers outstanding value and versatility. Whether you're looking to enter the real estate market, accommodate extended family, or expand your investment portfolio, this home presents an excellent opportunity in a sought-after St. Catharines location. Don't miss your chance to own this fantastic property with incredible potential! A must-see home offering comfort, flexibility, and investment appeal!
Insights
Condition Score
Good6 condition-related facts documented
Source: Listing age, structured features and disclosed update language; not an inspection.
Cashflow Quality
Covers costs+$9/mo against the cost of owning (20% down, 4.8%, 25 yrs)
Source: Median of 12 homes with 4 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
- $5,829 / 2025
- MLS® number
- X14108118
- Board
- TRREB MLS®
- Property Type
- Semi-Detached
- Building Age
- 6-15
- Days on market
- Size
- 1100-1500 sqft
- Lot Size
- 29.29 x 132.05 ft
- Listed on
- Parking
- 1 Built-In, 3 Parking
Listing history
Buy/sell history for 22 Elm 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 | $549,000 | N/A | For Sale | X14108118 |
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
- Semi-Detached
- Style
- Bungalow
- Community
- Oakdale
- Municipality
- St. Catharines
Building
- Size
- 1100-1500 sqft
- Building Age
- 6-15
- Construction
- Brick
Inside
- Bedrooms
- 2+2
- Bathrooms
- 2
- Bathroom Details
- 1 × 4pc Main, 1 × 4pc 2nd
- Basement Type
- Apartment
- Kitchens
- 1
Parking
- Driveway
- Available
- Garage Type
- Built-In
- Garage
- 1
- Additional Parking
- 2
- Total Parking
- 3
Utilities
- Water
- Municipal
- Cooling
- Central Air
- Heating Type
- Forced Air
Land
- Sewer
- Sewers
- Frontage
- 29.29 ft
- Depth
- 132.05 ft
- Lot Size
- 29.29 x 132.05 ft
Additional
- Roof
- Asphalt Rolled, Shingles
- Fireplace
- Yes
- Pool
- None
- Den
- Yes
- Family room
- Yes
- Extras
- All Electrical light fixtures , Gas Stove/S/S FRIDGE , BASEMENT APPLIANCES in AS IS WHERE IS CONDITIONS.
Rooms
| Room | Size | Features | Level |
|---|---|---|---|
| Family | 3.95 × 7.3 m | Combined W/Dining | Main |
| Dining | 3.14 × 4.53 m | Combined W/Kitchen | Main |
| Kitchen | 2.9 × 4.24 m | Stainless Steel Appl | Main |
| Primary | 4.1 × 5.28 m | W/I Closet | Main |
| 2nd Br | 3.04 × 4.06 m | Closet | Main |
| Family | 3.81 × 5.86 m | Vinyl Floor | Bsmt |
| Kitchen | 3.1 × 6.4 m | — | Bsmt |
| 3rd Br | 2.97 × 3.36 m | Vinyl Floor | Bsmt |
| 4th Br | 2.96 × 4.43 m | Vinyl Floor | Bsmt |
Map and tour
Land transfer tax on this home
- Ontario land transfer tax
- $7,455
- Total land transfer tax
- $7,455
- First-time buyer rebates (Ontario up to $4,000)
- −$4,000
- Total for first-time buyers
- $3,455
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 $549,000
- $2,980
- Ontario total
- $7,455
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 conservation3
- No mapped wetland within 120 m120 m
- No water-supply well recorded within 250 m9 test or monitoring holes also recorded.250 m
- Groundwater recorded about 4.4 m below ground nearbyThe middle water level in the well records within 500 m (40 records). It changes with the season and from spot to spot.500 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: 5.4 km5.4 km
Province of Ontario open data
Around the home2
- Nearest rail line: 90 m90 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 Interlake Acquisition Corporation Limited — Biorigin Specialty Products, 1.4 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 |
|---|---|---|---|
| St Theresa Catholic Elementary SchoolNiagara CDSB | Catholic · grades JK–8 | 650 m | 80%Grade 3 average |
| Ferndale Public SchoolDSB Niagara | Public · grades JK–8 | 1 km | 83%Grade 6 average |
| Burleigh Hill Public SchoolDSB Niagara | Public · grades JK–8 | 1 km | 96%Grade 6 average |
| ÉÉC Sainte-Marguerite-Bourgeoys-St.CathConseil scolaire catholique MonAvenir | French-language Catholic · grades JK–8 | 1 km | 47%Grade 6 average |
| Secondary | Type | Distance | Grade 9 math 2024–25 |
|---|---|---|---|
| Sir Winston Churchill Secondary SchoolDSB Niagara | Public · grades 9–12 · French Immersion | 1.3 km | 71%Grade 9 math |
| Denis Morris Catholic High SchoolNiagara CDSB | Catholic · grades 9–12 | 1.8 km | 50%Grade 9 math |
| Pope Francis Catholic Secondary SchoolNiagara CDSB | Catholic · grades 9–12 | 1.9 km | — |
| Thorold Secondary SchoolDSB Niagara | Public · grades 9–12 | 2 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 | 3.3 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
- Street frontage
- 29.29 ft8.9 m
- Depth
- 132.05 ft40.2 m
The record marks this lot irregular, so its area is not the frontage multiplied by the depth. It is not given here. Confirm with a survey before you buy.
Source: the MLS® listing record.
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
- $109,800
- Total mortgage amount
- $439,200
- Total interest payment
- $312,300
- Total purchase cost
- $861,300
- Mortgage payment
- $2,505/mo
Cash Flow Analysis
If you rented this home out at 20% down
Break-even down payment
20%Monthly carrying cost
$2,991- Carrying cost $2,991
- Surplus $9
Rental income opens at $3,000, the median asking rent of 12 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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