663 Geneva Street, St. Catharines, ON

$625,000
MLS#:X13533934
2 beds
2 baths
700-1100 sqft
7.0 parking
Residential Freehold
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Property Highlights

Welcome to this remarkable Bungalow detached located in the coveted neighborhood of 437 - Lakeshore. Expertly crafted featuring premium vinyl siding construction, this residence presents an exceptional opportunity offered at $625,000 to acquire a beautiful home in a highly sought-after setting. Designed for both comfortable daily living and elegant entertaining, the layout maximizes natural light, functional flow, and lifestyle utility.

  • 2 Bedrooms and 2 Bathrooms
  • Generous living space spanning 700-1100 sqft on a premium 50 x 150 ft lot
  • Features a finished, full basement, adding superb versatility for recreation, a home gym, or extra storage
  • 7.0 total parking spaces available with a convenient attached configuration
  • Notable attributes: On Demand Water Heater
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

Life by the Lake! North of Lakeshore Road, this charming bungalow is the perfect starter home or downsizing opportunity, set on a spacious 50 x 150 ft. lot just moments from Lake Ontario. From the inviting front porch & beautiful curb appeal to the stunning 2024 renovation, this home has been thoughtfully redesigned with quality craftsmanship throughout. The bright open-concept main floor features contemporary flooring, recessed lighting & stylish finishes. The showpiece of the home is the custom $75K Artcraft kitchen, designed for both beauty & function. Highlights include quartz countertops, an oversized charcoal island with built-in power & pull-out storage, ceiling-height two-tone cabinetry, premium corner pull-outs, soft-close drawers & doors, integrated LED under-cabinet lighting, a banquette dining area with built-in storage, a custom hutch, hidden dishwasher, induction cooktop, stainless steel appliances & a built-in ice maker. The main level also offers a spacious primary bedroom, a 2nd bedroom & an updated bath complete with a relaxing jetted tub. The finished lower level, with its separate side entrance, provides exceptional flexibility with a large L-shaped recreation room, ideal for a 3rd bedroom, home office, or future in-law potential. A 2nd bath with a walk-in shower adds even more convenience. Outside, enjoy the attached garage with breezeway access, a freshly paved double driveway with parking for up to 6 vehicles & a private, fully fenced backyard featuring raised garden beds, a large storage shed & a dedicated hot tub pad with electrical hookup already in place. Located just minutes from Lake Ontario, waterfront trails, shopping, parks, schools & everyday amenities, this beautifully renovated home combines timeless character, premium finishes & an unbeatable North End location. Move right in, this is a wonderful opportunity to enjoy North End living at its finest!

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Key Features

Bedrooms
2
Bathrooms
2
Kitchens
1
Living Area
700-1100 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
Listed Date7/7/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural StyleBungalow
ConstructionVinyl Siding
BasementFinished, Full
Lot Size50 × 150 Feet
CountyNiagara
Annual Tax$4,163
Legal DescriptionPT LT 17 CON 1 GRANTHAM AS IN RO606664; ST. CATHARINES

Parking & Garage

Parking Spaces7.0
Garage Spaces6
Garage TypeAttached

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

Fenced Yard

Interior Features

On Demand Water Heater

Security Features

Community Features

Location

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663 Geneva Street, St. Catharines, ON
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Property History

No historical data available for this property.

This could be the first listing for this address.

Pricing & Value Insights

Data-driven valuation for 663 Geneva Street, St. Catharines, ON L2N 2J9

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

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Mortgage & Affordability Audit

Calculate your monthly payment, minimum downpayment, and land transfer taxes for this home in St. Catharines.

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Interest Rate5.25%
Down Payment$37,500 (6.0%)
* Minimum Canadian down payment required for this price is $37,500.
Amortization Period25 Years
Estimated Monthly Payment$3,501Based on a loan of $587,500 over 25 years.
Purchase Price$625,000
Loan Amount$587,500
Provincial Land Transfer Tax:$8,975
Total Estimated Closing Taxes:$8,975

About Purchasing a Home in St. Catharines, ON

For a property listed at $625,000 in St. Catharines, the legal minimum down payment is $37,500 under current Canadian banking regulations. This calculation applies a 5% requirement on the first $500,000, 10% on the next $499,999, and a flat 20% on any amount exceeding $1,000,000.

Additionally, buyers in Ontario must budget for the Provincial Land Transfer Tax, which is estimated at $8,975 for this transaction. As this listing is in St. Catharines (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $8,975.

Nearby Listings

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City & Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for St. Catharines.

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$706,124

People & Families

Age Distribution

Household Composition

One-person households
25%
Families with children
50%
Couples without children
24%
Other households
0%

Top Ethnic Origins

Chinese11%
English9%
Indian9%
Irish8%

Local Schools Guide

Elementary Schools

Immaculée-Conception
Public153 Church Street, St. Catharines, Ontario, L2R 3E2
6.3
St Nicholas
Public149 Church Street, St. Catharines, Ontario, L2R 3E2
4.4
Harriet Tubman
Public84 Henry Street, St. Catharines, Ontario, L2R 5V4
6.3
St Denis
Public175 Carlton Street, St. Catharines, Ontario, L2R 1S1
5.4
Connaught
Public28 Prince Street, St. Catharines, Ontario, L2R 3X7
8.5

Secondary Schools

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Homes & Housing

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied65%
Rented35%

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Notice: Market Insights are generated by analyzing real-time data and should be used for informational purposes only. Consult with a licensed professional for exact valuations.

Disclaimer: AI Insights are generated by an automated system and should be used for informational purposes only. While we strive for accuracy using current market data and deep-learning models, these assessments do not constitute professional real estate, legal, or financial advice. All property values, predictions, and scores are estimates. We strongly recommend verifying all property details and conducting independent due diligence with a licensed professional before making any purchase decisions.