For SaleDetached · Sidesplit 4MLS® #X14113496 · TRREB MLS®
490 Niagara St, St. Catharines, Ontario
Vine/Linwell, St. Catharines, Ontario L2M 3P5
- Bedrooms
- 3+1
- Lot Size
- 87 x 115.7 ft
- Bathrooms
- 2
- Type
- Detached
- Basement
- Full
$599,900
Estimated market value
About 490 Niagara St
490 Niagara St is a 3+1-bedroom, 2-bathroom detached house in Vine/Linwell, St. Catharines, listed for sale at an asking price of $599,900 (MLS® X14113496).
Incredible family home in North End St Catharines. Sitting on a good size irregular shaped lot (87ft x 150ft), this solid brick sidesplit boasts nearly 2,400sqft of living space including all four levels, plus a 3-season sunroom in the rear, and a double attached garage. Main floor is a functional design. Front facing living room with huge windows, formal dining leading into the kitchen. Overabundance of storage in the new kitchen cabinets, lots of counter space with quality quartz countertops. Upper level holds 3 good size bedrooms, each with large closets and windows. 3-piece bathroom with accessible shower. Lower level has a workshop room with an ensuite 3-piece bathroom. Another large room - which could be a 4th bedroom, family room or office. Basement has a rec room with wood burning fireplace, and a utility/laundry room. The lower level has separate entrance through a walk-up into the rear sunroom. This could be a functional space for in-law suite or separate unit. Amazing house layout provides some excellent potential for future usages/conversions or flexible living arrangements. 100AMP breakers. Sump pump. Forced air gas furnace & AC. HWT-Gas. Water Filtration System. Gutter leaf guards on eaves. Fully rear fenced yard. Harvest your own vegetables in the garden, and enjoy fresh fruit from 2 cherry trees in the front, and a mature apple tree in the rear yard.
Insights
Condition Score
Good1 documented update signal
Source: Listing age, structured features and disclosed update language; not an inspection.
Cashflow Quality
Covers costs+$317/mo against the cost of owning (20% down, 4.8%, 25 yrs)
Source: Median of 7 detached 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
- $5,352 / 2025
- MLS® number
- X14113496
- Board
- TRREB MLS®
- Property Type
- Detached
- Building Age
- 51-99
- Days on market
- Size
- 1100-1500 sqft
- Lot Size
- 87 x 115.7 ft
- Listed on
- Parking
- 2 Attached, 6 Parking
Listing history
Buy/sell history for 490 Niagara 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 | $599,900 | N/A | Pc | X14113496 |
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
- Sidesplit 4
- Community
- Vine/Linwell
- Municipality
- St. Catharines
Building
- Size
- 1100-1500 sqft
- Building Age
- 51-99
- Construction
- Brick
Inside
- Bedrooms
- 3+1
- Bathrooms
- 2
- Bathroom Details
- 1 × 3pc Upper, 1 × 3pc Lower
- Basement Type
- Full
- Kitchens
- 1
Parking
- Driveway
- Pvt Double
- Garage Type
- Attached
- Garage
- 2
- Additional Parking
- 4
- Total Parking
- 6
Utilities
- Water
- Municipal
- Cooling
- Central Air
- Heating Type
- Forced Air
Land
- Sewer
- Sewers
- Frontage
- 87 ft
- Depth
- 115.7 ft
- Lot Size
- 87 x 115.7 ft
Additional
- Foundation
- Concrete Block
- Roof
- Asphalt Shingle
- Fireplace
- Yes
- Pool
- None
- Den
- Yes
- Family room
- Yes
- Extras
- APPLIANCES, WINDOW COVERINGS, NEGOTIABLE
Rooms
| Room | Size | Features | Level |
|---|---|---|---|
| Kitchen | 2.8 × 4.0 m | — | Main |
| Dining | 2.1 × 3.6 m | — | Main |
| Living | 5.0 × 3.5 m | — | Main |
| Br | 2.8 × 5.1 m | — | Upper |
| 2nd Br | 2.9 × 3.1 m | — | Upper |
| 3rd Br | 2.8 × 3.1 m | — | Upper |
| Bathroom | 2.0 × 1.8 m | 3 Pc Bath | Upper |
| Sunroom | 3.4 × 6.2 m | — | Main |
| Workshop | 5.8 × 3.9 m | — | Lower |
| Bathroom | 1.3 × 2.2 m | 3 Pc Bath | Lower |
| 4th Br | 5.0 × 3.9 m | — | Lower |
| Rec | 5.0 × 3.9 m | — | Bsmt |
| Laundry | 6.1 × 3.3 m | — | Bsmt |
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 8% below the median.
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
- $8,473
- Total land transfer tax
- $8,473
- First-time buyer rebates (Ontario up to $4,000)
- −$4,000
- Total for first-time buyers
- $4,473
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 $599,900
- $3,998
- Ontario total
- $8,473
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 m2 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: 3.7 km3.7 km
Province of Ontario open data
Around the home1
- 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 Elmwood Kitchens, 2.5 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 |
|---|---|---|---|
| Our Lady of Fatima Catholic Elementary SchoolNiagara CDSB | Catholic · grades JK–8 · French Immersion | 650 m | 91%Grade 6 average |
| Canadian Martyrs Catholic Elementary SchoolNiagara CDSB | Catholic · grades JK–8 | 850 m | 88%Grade 6 average |
| Lincoln Centennial Public SchoolDSB Niagara | Public · grades JK–8 | 1 km | 82%Grade 6 average |
| École élémentaire L'HéritageConseil scolaire Viamonde | French-language public · grades JK–8 | 1.9 km | 85%Grade 6 average |
| Secondary | Type | Distance | Grade 9 math 2024–25 |
|---|---|---|---|
| Laura Secord Secondary SchoolDSB Niagara | Public · grades 9–12 | 1.1 km | 63%Grade 9 math |
| Holy Cross Catholic Secondary SchoolNiagara CDSB | Catholic · grades 9–12 · French Immersion | 1.1 km | 55%Grade 9 math |
| Governor Simcoe Secondary SchoolDSB Niagara | Public · grades 9–12 · French Immersion | 1.2 km | 66%Grade 9 math |
| Lifetime Learning Centre Secondary SchoolDSB Niagara | Public · grades 9–12 | 2.2 km | — |
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.
Lot
- Street frontage
- 87 ft26.5 m
- Depth
- 115.7 ft35.3 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, 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
- $119,980
- Total mortgage amount
- $479,920
- Total interest payment
- $341,180
- Total purchase cost
- $941,080
- Mortgage payment
- $2,737/mo
Cash Flow Analysis
If you rented this home out at 20% down
Break-even down payment
11%Monthly carrying cost
$3,183- Carrying cost $3,183
- Surplus $317
Rental income opens at $3,500, the median asking rent of 7 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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