5 Bruce Street, St. Catharines, ON

$589,900
MLS#:X13565748
3 beds
2 baths
1500-2000 sqft
3.0 parking
Residential Freehold
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Property Highlights

Welcome to this remarkable 2-Storey detached located in the coveted neighborhood of 451 - Downtown. Expertly crafted featuring premium vinyl siding construction, this residence presents an exceptional opportunity offered at $589,900 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.

  • 3 Bedrooms and 2 Bathrooms
  • Generous living space spanning 1500-2000 sqft on a premium 35 x 120 ft lot
  • Features a development potential, unfinished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 3.0 total parking spaces available with a convenient attached configuration
  • Notable attributes: Primary Bedroom - Main Floor, Sump Pump, On Demand Water Heater
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

Welcome to 5 Bruce Street, St. Catharines-a beautifully maintained two-story home, built in 2013, offering modern comfort, thoughtful updates, and exceptional future potential.This inviting home features 3 bedrooms and 2 full bathrooms, with a bright open-concept kitchen, dining, and living area designed for effortless everyday living and entertaining. The main floor offers a spacious bedroom and den, each featuring its own French doors leading to the rear deck and fully fenced backyard, creating a seamless connection to the outdoor living space.Recent improvements enhance both style and curb appeal, including new designer siding across the entire front of the home, new aluminum capping, soffit, gable vent, and a new garage man door with matching capping. Inside, select areas have been refreshed with new paint, casing, and baseboards.Upstairs, you'll find two generously sized bedrooms and a full bathroom. The 1,027 sq. ft. unfinished basement features insulated walls and offers outstanding potential to expand your living space to suit your needs. Additional highlights include the efficiency and convenience of on demand hot water.Ideally located close to scenic ravines, shopping, public transit, the vibrant downtown core, parks, schools, and more, this home offers the perfect balance of comfort and convenience.Don't miss your opportunity to own this exceptional property. Book your private viewing today and discover all that 5 Bruce Street has to offer.

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Property Summary

This detached home located at 5 Bruce Street, St. Catharines is currently for sale and has been available on SousaSells for 2 days. This property is listed at $589,900 with an estimated mortgage of $1,964* per month. It has 3 beds, 2 bathrooms, and is 1500-2000 square feet. 5 Bruce Street, St. Catharines is in the 451 - Downtown neighborhood.

* Estimated mortgage assumes a 30% down payment, 4.00% interest rate, and 30-year amortization.

Key Features

Bedrooms
3
Bathrooms
2
Kitchens
1
Living Area
1500-2000 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
Listed Date7/15/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural Style2-Storey
ConstructionVinyl Siding
BasementDevelopment Potential, Unfinished
Lot Size35 × 120 Feet
CountyNiagara
Annual Tax$5,858.15
Legal DescriptionLT 62, CY PL 101 GRANTHAM CITY OF ST. CATHARINES

Parking & Garage

Parking Spaces3.0
Garage Spaces2
Garage TypeAttached

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

Fenced Yard, Place Of Worship, School, Public Transit

Interior Features

Primary Bedroom - Main Floor, Sump Pump, On Demand Water Heater

Security Features

Carbon Monoxide Detectors, Smoke Detector

Community Features

Location

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5 Bruce 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 5 Bruce Street, St. Catharines, ON L2R 5S7

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.

Configure Loan Settings

Interest Rate4.00%
Down Payment$176,970 (30.0%)
* Minimum Canadian down payment required for this price is $33,990.
Amortization Period30 Years
Estimated Monthly Payment$1,964Based on a loan of $412,930 over 30 years.
Purchase Price$589,900
Loan Amount$412,930
Provincial Land Transfer Tax:$8,273
Total Estimated Closing Taxes:$8,273

About Purchasing a Home in St. Catharines, ON

For a property listed at $589,900 in St. Catharines, the legal minimum down payment is $33,990 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 $8,273 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 $8,273.

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City & Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for 451 - Downtown, St. Catharines.

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$626,437

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

Harriet Tubman
Public84 Henry Street, St. Catharines, Ontario, L2R 5V4
6.3
St Nicholas
Public149 Church Street, St. Catharines, Ontario, L2R 3E2
4.4
Immaculée-Conception
Public153 Church Street, St. Catharines, Ontario, L2R 3E2
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.