




476 Vine Street, St. Catharines, ON
L2M 3T1
Listed September 10, 2026
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About this property
Opportunity is Knocking for the person who is looking for a single family home or a multi-purpose dwelling. The possibilities are endless. This well-maintained brick bungalow offers exceptional space, flexibility and functionality on a generous 70' x 158' corner lot. The main floor features 3 bedrooms, an inviting living/dining room with bay window and hardwood floors, and an updated eat-in kitchen showcasing white cabinetry & corner windows over a double sink. Two renovated bathrooms feature stylish glass shower doors, while the convenient entry/mudroom adds valuable everyday storage and function. The lower level offers excellent additional living space with a spacious bedroom, family room with gas fireplace, office with cut-glass French door, vinyl plank flooring and a side-door entrance providing potential for a future secondary living arrangement, subject to applicable approvals. High-efficiency gas furnace and central air provide year-round comfort. A standout feature is the impressive 2.5-car attached garage, measuring approximately 24' x 35'6", accessed from the low traffic side street. This deep garage is equipped with radiant tube heating, air compressor, its own electrical panel and attic storage, offering tremendous versatility for the hobbyist, tradesperson or those needing exceptional workspace and storage. The garage may also offer potential for future additional living space, subject to permits/approvals. Enjoy the outdoors with a large fenced side yard, privacy hedge, concrete patio and gazebo conveniently located near the kitchen which is ideal for easy outdoor dining and entertaining. An attached shed provides additional storage. Conveniently located close to numerous amenities, this property offers a rare combination of a substantial lot, versatile living space and an exceptional garage.
Features
Property Details
Listing
Property
Location
Taxes & Financials
Cost of Ownership Calculator
What it could cost each month to own 476 Vine Street — mortgage, property taxes, fees, insurance, utilities and upkeep. Change any number to match your situation.
Your mortgage
$149,980 · Minimum $49,990
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
$4,783/mo
About $57,396 a year
- $3,317
- $386
- Home insurance$125
- Utilities$330
- Maintenance & repairs$625
Cash needed to close
- Down payment (20%)
- $149,980
- Ontario land transfer tax
- $11,473
- Legal fees, title insurance & inspectionEstimate
- $2,500
- Total
- $163,953
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
476 Vine Street, St. Catharines, ON
Map data © GoogleOpen in Google Maps ↗
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Last Updated: September 10, 2026
Listing Office: ROYAL LEPAGE NRC REALTY
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