3 Victoria Street, St. Catharines, ON
L2S 2K8
Listed October 26, 2026
Property Tour
About this property
PRICED TO SELL! This large two storey home is perfect for those wanting to get into the housing market at a great price point. Clean, bright and ready for occupancy, this home boasts three bedrooms, 2 bathrooms and a large attic flex space that could be a rec room, an office, a play room for the kids or make it a large fourth bedroom. This home has been lovingly cared for, with a cozy feel and it is located in the beautiful Ridley area of St. Catharines. It is also centrally located, close to the Downtown core, Ridley College and the GO station. Around the corner is the popular Martindale and Fourth Avenue area which has numerous restaurants and shopping options. DRY partially finished basement offers a two piece bathroom and laundry area. Added space should you wish to finish it! Step out back and enjoy the fully fenced yard and cozy deck area. The detached garage has hydro and could also be used as an office space or workshop for the handyman enthusiast. Opportunities are endless in this beautiful home.
Features
Property Details
Listing
Property
Location
Taxes & Financials
Cost of Ownership Calculator
What it could cost each month to own 3 Victoria Street — mortgage, property taxes, fees, insurance, utilities and upkeep. Change any number to match your situation.
Your mortgage
$104,980 · Minimum $27,490
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
$3,538/mo
About $42,456 a year
- $2,322
- $324
- Home insurance$125
- Utilities$330
- Maintenance & repairs$437
Cash needed to close
- Down payment (20%)
- $104,980
- Ontario land transfer tax
- $6,973
- Legal fees, title insurance & inspectionEstimate
- $2,500
- Total
- $114,453
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
3 Victoria Street, St. Catharines, ON
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Last Updated: October 26, 2026
Listing Office: REVEL Realty Inc., Brokerage
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