405 Merritt Street, Unit 3, St. Catharines, ON

$359,000
MLS#:X13652122
2 beds
1 baths
800-899 sqft
1.0 parking
Residential Condo & Other
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Property Highlights

Welcome to this remarkable Apartment condo apartment located in the coveted neighborhood of 456 - Oakdale. Expertly crafted featuring premium brick construction, this residence presents an exceptional opportunity offered at $359,000 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 1 Bathroom
  • Generous living space spanning 800-899 sqft
  • 1.0 total parking spaces available
  • Notable attributes: Primary Bedroom - Main Floor
  • equipped with central air central cooling and highly efficient heat pump heating via electric

Description

Welcome to Unit 3 at 405 Merritt Street-a truly one-of-a-kind residence nestled within a beautifully converted church. Soaring 13-foot ceilings, west-facing windows and thoughtfully curated designer finishes create a space that is both warm and striking. Flooded with natural light throughout the afternoon, this home seamlessly blends historic character with modern industrial design.The custom kitchen is the heart of the home, featuring upgraded quartz countertops, beautifully crafted soft-close cabinetry, a stunning handcrafted raw-edge wood island that doubles as a high-top dining table, a custom brick-inspired backsplash, stainless steel appliances, and designer lighting sourced from Chicago. Every finish was carefully selected by the original owner during construction to create a cohesive and timeless aesthetic.The spacious primary bedroom offers two large closets, while the versatile den is ideal as a home office, reading room or guest space. A beautifully finished 4-piece bathroom, textured laminate flooring throughout, an LG smart thermostat with heat pump system, and the added privacy of having no neighbours above complete this exceptional home. As an added bonus, this unit also includes one of only five exclusive storage lockers in the entire building-a rare and highly sought-after feature. Located just minutes from shopping, restaurants, parks, hospitals, highways and Brock University, this is a rare opportunity to own a piece of St. Catharines history without compromising modern comfort. Whether you're a first-time buyer, professional, downsizer or investor, Unit 3 offers a lifestyle unlike anything else on the market.

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Property Summary

This condo apartment located at 405 Merritt Street, St. Catharines is currently for sale and has been available on SousaSells for 2 days. This property is listed at $359,000 with an estimated mortgage of $1,195* per month. It has 2 beds, 1 bathroom, and is 800-899 square feet. 405 Merritt Street, St. Catharines is in the 456 - Oakdale neighborhood.

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* Estimated mortgage assumes a 30% down payment, 4.00% interest rate, and 30-year amortization.
Is this a Good Home for Families?

Ideal for small families, couples, or individuals seeking a manageable and comfortable living layout in 456 - Oakdale, St. Catharines.

Great for Small Household / Couples
What We Love About This Home
  • 2 spacious bedroom layout offering versatile living space
  • 1 well-appointed bathroom
  • 800-899 sqft of generous functional square footage
Standout Features & Layout
Who Should Buy This Home?

Urban professionals, first-time buyers, or investors looking for low-maintenance living in St. Catharines.

Target Buyer Match

Key Features

Bedrooms
2
Bathrooms
1
Kitchens
1
Living Area
800-899 sqft
Property Type
Residential Condo & Other

Additional Details

StatusActive
Listed Date8/7/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeCondo Apartment
Architectural StyleApartment
ConstructionBrick
BasementNone
CountyNiagara
Annual Tax$3,094.88

Parking & Garage

Parking Total1.0
Parking Space1
Garage TypeNone

Heating & Cooling

Heat SourceElectric
Heat TypeHeat Pump
CoolingCentral Air

Features

Property Features

None listed

Interior Features

  • Primary Bedroom - Main Floor

Security Features

None listed

Community Features

None listed

Frequently Asked Questions about 405 Merritt Street, Unit 3, St. Catharines, ON

Q.What is the asking price for 405 Merritt Street, Unit 3, St. Catharines, ON ?

The current listing price for 405 Merritt Street, Unit 3, St. Catharines, ON in 456 - Oakdale, St. Catharines is $359,000.

Q.How many bedrooms and bathrooms does this property have?

This property features 2 bedrooms and 1 bathroom across approximately 800-899 sqft.

Q.What property type and architectural style is 405 Merritt Street, Unit 3, St. Catharines, ON ?

405 Merritt Street, Unit 3, St. Catharines, ON is a Condo Apartment (Apartment) featuring a None basement.

Q.What interior features are included in this home?

Interior highlights include: Primary Bedroom - Main Floor.

Q.Is parking available at this property?

Yes, this property offers parking space for 1.0 vehicle (None).

Q.What heating and cooling systems are installed?

Heating is provided via Electric and cooling via Central Air.

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Location

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405 Merritt Street, Unit 3, 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 405 Merritt Street 3, St. Catharines, ON L2P 1P5

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 Rate4.00%
Down Payment$107,700 (30.0%)
* Minimum Canadian down payment required for this price is $17,950.
Amortization Period30 Years
Estimated Monthly Payment$1,195Based on a loan of $251,300 over 30 years.
Purchase Price$359,000
Loan Amount$251,300
Provincial Land Transfer Tax:$3,860
Total Estimated Closing Taxes:$3,860

About Purchasing a Home in St. Catharines, ON

For a property listed at $359,000 in St. Catharines, the legal minimum down payment is $17,950 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 $3,860 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 $3,860.

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456 - Oakdale, St. Catharines Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for 456 - Oakdale, St. Catharines.

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$553,841

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%

Best Schools in 456 - Oakdale, St. Catharines

Elementary Schools

Ferndale
PublicFerndale Avenue, St. Catharines, Ontario, L2P 1V8
8.7
Jeanne Sauve
Public91 Bunting Road, St. Catharines, Ontario, L2P 3G8
7.6
Connaught
Public28 Prince Street, St. Catharines, Ontario, L2R 3X7
8.5
St Christopher
Public33 Woodrow Street, St. Catharines, Ontario, L2P 2A1
2.7
Applewood
Public130 Woodrow Street, St. Catharines, Ontario, L2P 3T7
10.0

Secondary Schools

No secondary schools data loaded.

456 - Oakdale, St. Catharines Demographic Home information

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.