10 Montrose Street, St. Catharines, ON

$949,900
MLS#:X12426953
4 beds
2 baths
1100-1500 sqft
4.0 parking
Residential Freehold
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Property Highlights

Welcome to this remarkable Backsplit 4 detached located in the coveted neighborhood of 462 - Rykert/Vansickle. Expertly crafted featuring premium brick front and vinyl siding construction, this residence presents an exceptional opportunity offered at $949,900 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.

  • 4 Bedrooms and 2 Bathrooms
  • Generous living space spanning 1100-1500 sqft on a premium 46.32 x 114.83 ft lot
  • Features a finished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 4.0 total parking spaces available with a convenient attached configuration
  • Notable attributes: Auto Garage Door Remote, Central Vacuum, Solar Owned
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

Welcome to 10 Montrose St! Built as a model home by the unparalleled team at Rinaldi Homes, this updated 3+1, 2 bathroom backsplit is the ultimate family home. From the moment you step through the front door you will appreciate the soaring vaulted ceilings and the open floor plan filled with gorgeous natural light. The main floor of the home offers a spacious family room adorned with hardwood floors, a massive eat-in kitchen complete with stainless steel appliances & granite counters and direct access to the home's private enclosed 3 season sunroom that houses the hot tub that is the perfect place to end the day. Travel upstairs to find a large primary bedroom with a large walk-in closet, 2 additional spacious bedrooms (all bedrooms feature california shutters) and a spa-like 4 piece bathroom that includes a jetted bathtub. The lower level offers a huge rec room complete with a natural gas fireplace surrounded by luxurious stone, california shutters on the large windows and a full 3 piece bathroom. Down just a few steps you will find the basement level that offers a large workshop/gym area, a large laundry room, the home's 4th bedroom and a cold cellar. 10 Montrose's backyard is the place to be during the summer months! Featuring a large patio area, well placed low maintenance landscaping and a solar-heated, in-ground salt water pool (new liner in 2024) - your family and friends may never want to leave! Only a short drive away from 4th Avenue shopping, amazing dining, all other major amenities, The Marotta Family Hospital the 406 and QEW, award winning wineries and all the very best St. Catharines has to offer.

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Key Features

Bedrooms
4
Bathrooms
2
Kitchens
1
Living Area
1100-1500 sqft
Property Type
Residential Freehold

Additional Details

StatusExtension
Listed Date9/24/2025
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural StyleBacksplit 4
ConstructionBrick Front, Vinyl Siding
BasementFinished
Lot Size46.32 × 114.83 Feet
CountyNiagara
Annual Tax$6,620
Legal DescriptionLot 32, Plan 30M291, St. Catharines

Parking & Garage

Parking Spaces4.0
Garage Spaces2
Garage TypeAttached

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

Interior Features

Auto Garage Door Remote, Central Vacuum, Solar Owned

Security Features

Community Features

Location

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10 Montrose 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 10 Montrose Street, St. Catharines, ON L2S 4A7

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

Market Speed
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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$69,990 (7.4%)
* Minimum Canadian down payment required for this price is $69,990.
Amortization Period25 Years
Estimated Monthly Payment$5,244Based on a loan of $879,910 over 25 years.
Purchase Price$949,900
Loan Amount$879,910
Provincial Land Transfer Tax:$15,473
Total Estimated Closing Taxes:$15,473

About Purchasing a Home in St. Catharines, ON

For a property listed at $949,900 in St. Catharines, the legal minimum down payment is $69,990 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 $15,473 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 $15,473.

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$705,253

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.