22 Elm Street, St. Catharines, ON
L2P 2B7
Listed October 22, 2026
Virtual Tour
About this property
Beautiful 2018-Built Semi-Detached Bungalow with a Finished Basement & Separate Side Entrance! Welcome to this beautifully maintained 2-bedroom semi-detached bungalow offering approximately 1,268 sq. ft. of living space in one of St. Catharines' most desirable neighbourhoods! Built in 2018, this home combines modern construction, functional design, and exceptional versatility, making it an ideal opportunity for first-time homebuyers, growing families, or savvy investors. The professionally finished basement features a separate side entrance and a 2-bedroom in-law/nanny suite, offering excellent potential for extended family living or additional income opportunities, subject to applicable municipal requirements. With its flexible layout and added living space, this property offers outstanding value and versatility. Whether you're looking to enter the real estate market, accommodate extended family, or expand your investment portfolio, this home presents an excellent opportunity in a sought-after St. Catharines location. Don't miss your chance to own this fantastic property with incredible potential! A must-see home offering comfort, flexibility, and investment appeal!
Features
Property Details
Listing
Property
Location
Taxes & Financials
Cost of Ownership Calculator
What it could cost each month to own 22 Elm Street — mortgage, property taxes, fees, insurance, utilities and upkeep. Change any number to match your situation.
Your mortgage
$109,800 · Minimum $29,900
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
$3,827/mo
About $45,924 a year
- $2,428
- $486
- Home insurance$125
- Utilities$330
- Maintenance & repairs$458
Cash needed to close
- Down payment (20%)
- $109,800
- Ontario land transfer tax
- $7,455
- Legal fees, title insurance & inspectionEstimate
- $2,500
- Total
- $119,755
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
22 Elm Street, St. Catharines, ON
Map data © GoogleOpen in Google Maps ↗
Similar Properties Nearby
View all →
For SaleVideo tourSt. Catharines
$550,000
23b Bloomfield Avenue
For SaleSt. Catharines
$545,000
23 Green Maple Drive
For SaleSt. Catharines
$553,900
47 Brackencrest Road
For SaleVirtual tourSt. Catharines
$560,000
41 Fox Trail Drive
For SaleVideo tourSt. Catharines
$565,000
38 Mccordick Drive
For SaleSt. Catharines
$565,000
37a Ormonde Avenue
Last Updated: October 22, 2026
Listing Office: RE/MAX REALTY SPECIALISTS INC.
This listing content is owned and licensed by REALTOR® members of The Canadian Real Estate Association. The trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by The Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. The trademarks MLS®, Multiple Listing Service®, and the associated logos are owned by CREA and identify the quality of services provided by real estate professionals who are members of CREA. Used under license.