40 Main Street, St. Catharines, ON

$849,000
MLS#:X12771308
3 beds
2 baths
1100-1500 sqft
2.0 parking
Residential Freehold
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Property Highlights

Welcome to this remarkable 2-Storey detached located in the coveted neighborhood of 438 - Port Dalhousie. Expertly crafted featuring premium brick and board & batten construction, this residence presents an exceptional opportunity offered at $849,000 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.

  • 3 Bedrooms and 2 Bathrooms
  • Generous living space spanning 1100-1500 sqft on a premium 32.16 x 164.69 ft lot
  • Features a separate entrance, unfinished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 2.0 total parking spaces available
  • Notable attributes: Built-In Oven, Carpet Free
  • equipped with central air central cooling and highly efficient radiant heating via gas

Description

Welcome to 40 Main St. in the heart of Port Dalhousie. This beautifully restored 3-bedroom historic home blends timeless charm with thoughtful modern updates, set on a generous landscaped lot just steps to shops, restaurants, marina, and the beach.A classic front porch welcomes you and sets the tone for village living. Inside, the open-concept living and dining rooms are filled with natural light and showcase gleaming hardwood floors, lovingly restored period wood trim, high ceilings, and a striking original staircase that anchors the space with historic character. The fully renovated kitchen is designed for both everyday living and entertaining, featuring stone countertops, stainless steel appliances, ample cabinetry, and a large island that serves as a natural gathering place. Step out from the kitchen to a rear porch overlooking a private backyard with mature landscaping-perfect for relaxing or hosting guests. Upstairs, the spacious primary bedroom features a large picture window and 2 generous closets. Two additional well-proportioned bedrooms offer flexibility for family, guests, or home office. The updated main bathroom blends modern finishes with classic appeal. The lower level offers high ceilings and a separate entrance, providing excellent potential for future living space. Enjoy the unmatched Port Dalhousie lifestyle with walkability, beach, marina, cafés, community events, and quick highway access. A rare opportunity in one of Niagara's most sought-after neighbourhoods.

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Key Features

Bedrooms
3
Bathrooms
2
Kitchens
1
Living Area
1100-1500 sqft
Property Type
Residential Freehold

Additional Details

StatusPrice Change
Listed Date2/9/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural Style2-Storey
ConstructionBrick, Board & Batten
BasementSeparate Entrance, Unfinished
Lot Size32.16 × 164.69 Feet
CountyNiagara
Annual Tax$4,650.19
Legal DescriptionPT LT 35 RCP 698 GRANTHAM, PTS 1 & 2 30R13045 SUBJECT TO AN EASEMENT OVER PT 2 30R13045 IN FAVOUR OF PTS 3 & 4 30R13045 AS IN NR250453 TOGETHER WITH AN EASEMENT OVER PT 4 30R13045 AS IN NR250453 CITY OF ST. CATHARINES

Parking & Garage

Parking Spaces2.0
Garage Spaces2
Garage TypeNone

Heating & Cooling

Heat SourceGas
Heat TypeRadiant
CoolingCentral Air

Features

Property Features

Beach, Clear View, Fenced Yard, Library, Park, School

Interior Features

Built-In Oven, Carpet Free

Security Features

Community Features

Location

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40 Main 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 40 Main Street, St. Catharines, ON L2N 4T7

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

Market Speed
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Properties in this area are selling at a steady pace.

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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$59,900 (7.1%)
* Minimum Canadian down payment required for this price is $59,900.
Amortization Period25 Years
Estimated Monthly Payment$4,702Based on a loan of $789,100 over 25 years.
Purchase Price$849,000
Loan Amount$789,100
Provincial Land Transfer Tax:$13,455
Total Estimated Closing Taxes:$13,455

About Purchasing a Home in St. Catharines, ON

For a property listed at $849,000 in St. Catharines, the legal minimum down payment is $59,900 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 $13,455 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 $13,455.

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$705,639

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.