12 Garnet Street, St. Catharines, ON
L2M 5E5
Listed September 9, 2026
About this property
Charming North-end bungalow! This 2 bedroom home is a perfect starter or for those looking to down size. Offering 2 generous sized main floor bedrooms this gem is sure to please. The kitchen had a face lift featuring all new cabinetry, flooring, granite counters, stainless steel appliances and done tastefully in white and grey and loaded with cabinets. The cabinetry continues into the dining room for extra storage.The bathroom also had a refresh and has new cabinetry, heated floors and double sinks. A home offering a great location and loaded with charm. Easy care laminate flooring throughout the main floor. The basement is partially finished and is a great space for either storage or kids to play. This home was not flooded in 2025 and remains dry. The side entrance leads up to the kitchen or down to the basement. 2 driveway spaces with a small yard keep it practical but quaint. The location is key, so close to schools, shopping, QEW and churches. This little gem is awaiting its new owner!
Features
Property Details
Listing
Property
Location
Taxes & Financials
Cost of Ownership Calculator
What it could cost each month to own 12 Garnet Street — mortgage, property taxes, fees, insurance, utilities and upkeep. Change any number to match your situation.
Your mortgage
$90,000 · Minimum $22,500
Use the rate your lender or broker quotes you.
Monthly costs
From the listing (2025 tax bill).
Leave at $0 if there isn't one.
Typical for this kind of home.
Hydro, heating, water and sewer.
About 1% of the price a year, set aside.
One-time costs
A typical estimate — your lawyer will confirm.
Estimated monthly cost of ownership
$3,051/mo
About $36,612 a year
- $1,991
- $230
- Home insurance$125
- Utilities$330
- Maintenance & repairs$375
Cash needed to close
- Down payment (20%)
- $90,000
- Ontario land transfer tax
- $5,475
- Legal fees, title insurance & inspectionEstimate
- $2,500
- Total
- $97,975
Estimates only — not a mortgage approval, quote or tax advice. Payments assume a fixed rate compounded semi-annually; minimum down payments, mortgage insurance and land transfer tax follow current CMHC and Ontario rules. Insurance, utilities and upkeep are typical figures for the area. Your lender, lawyer and insurer will confirm your exact costs.
Location & Walkability
12 Garnet Street, St. Catharines, ON
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Last Updated: September 9, 2026
Listing Office: REVEL Realty Inc., Brokerage
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